For over a decade, Teddy Flo has served as a trusted legal advisor to consumer financial services companies including international banks, credit card issuers, mortgage lenders, student loan servicers, and small-dollar lenders. Throughout his career, he has focused on providing practical legal advice that helps clients achieve their business objectives. He has litigated scores of cases, helped companies navigate high-stakes government investigations, and advised his clients on key regulatory issues. As Zest’s chief legal officer, he works closely with its legal, executive, engineering, data science, sales, and marketing teams to execute on Zest’s strategic decisions and ensure that the legal aspects of the company’s operations run smoothly, including compliance, litigation, contracting, and intellectual property. Flo graduated summa cum laude from the University of Maryland with degrees in finance and economics and received his law degree with honors from The George Washington University Law School.