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Home Source documents Declaration of Pamela Joseph — In re Bank of America California Unemployment Benefits Litigation

Declaration of Pamela Joseph — In re Bank of America California Unemployment Benefits Litigation

Date
2025-10-17

Summary

DX 12, filed October 17, 2025 as Document 591-19 in In re: Bank of America California Unemployment Benefits Litigation, Case No. 3:21-md-02992-GPC-MSB, in the U.S. District Court for the Southern District of California. It is the declaration of Pamela Joseph, an expert retained by Bank of America, N.A., in support of the bank's Motion for Partial Summary Judgment, set for hearing April 17, 2026 before Judge Gonzalo P. Curiel. The declarant states that, if called as a witness, the declarant would testify to the opinions in the March 4, 2025 and April 4, 2025 Expert Reports, attached to another declaration as Exhibits 12-A and 12-B. It states the reports rest on the declarant's education, research and experience in the electronic payments industry and on materials made available in the action. The caption notes exhibits filed provisionally under seal under a stipulated protective order.

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Full text

Case 3:21-md-02992-GPC-MSB   Document 591-19   Filed 10/17/25   PageID.41098
                               Page 1 of 3




                             DX 12
                 Case 3:21-md-02992-GPC-MSB           Document 591-19   Filed 10/17/25   PageID.41099
                                                        Page 2 of 3


                      1   JAMES W. MCGARRY (pro hac vice)
                          JMcGarry@goodwinlaw.com
                      2   GOODWIN PROCTER LLP
                          100 Northern Avenue
                      3   Boston, MA 02210
                          Tel. +1 617 570 1000
                      4   Fax: +1 617 523 1231
                      5   SABRINA M. ROSE-SMITH (pro hac vice)
                          SRoseSmith@goodwinlaw.com
                      6   MATTHEW L. RIFFEE (pro hac vice)
                          MRiffee@goodwinlaw.com
                      7   GOODWIN PROCTER LLP
                          1900 N Street, NW
                      8   Washington, DC 20036
                          Tel.: +1 202 346 4000
                      9   Fax: +1 202 346 4444
                  10      Attorneys for Defendant
                          BANK OF AMERICA, N.A.
                  11
                  12
                                               UNITED STATES DISTRICT COURT
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                                      FOR THE SOUTHERN DISTRICT OF CALIFORNIA
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                                                       SAN DIEGO DIVISION
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                  16      IN RE: BANK OF AMERICA                   Case No. 21-MD-02992-GPC-MSB
                          CALIFORNIA UNEMPLOYMENT
                  17      BENEFITS LITIGATION                      DECLARATION OF PAMELA
                                                                   JOSEPH IN SUPPORT OF
                  18                                               DEFENDANT BANK OF
                                                                   AMERICA, N.A.’S MOTION FOR
                  19                                               PARTIAL SUMMARY
                  20                                               JUDGMENT

                  21                                               Date:      April 17, 2026
                                                                   Time:      1:30 p.m.
                  22                                               Ctrm:      12A – 12th Floor
                                                                   Judge:     Hon. Gonzalo P. Curiel
                  23
                                                                   EXHIBITS FILED PROVISIONALLY UNDER
                  24                                               SEAL PURSUANT TO STIPULATED
                                                                   PROTECTIVE ORDER
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GOODWIN PROCTER LLP
   ATTORNEYS AT LAW

                          JOSEPH DECL. ISO MOT. FOR PARTIAL SJ               CASE NO. 21-MD-02992-GPC-MSB
                 Case 3:21-md-02992-GPC-MSB               Document 591-19     Filed 10/17/25       PageID.41100
                                                            Page 3 of 3


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                                  I, Pamela Joseph, declare and state as follows:
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                                  1. I am over 18 years of age and am competent to testify in this matter. I
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                           make this declaration in support of Bank of America, N.A. 's (BANA) Motion for
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                           Partial Summary Judgment.
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                                  2. I have been retained by BANA to serve as an expert in this case.
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                                  3. If called as a witness at trial, I would testify to each and all of the
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                           opinions and statements contained in my March 4, 2025 Expert Report and my
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                           April 4, 2025 Expert Report submitted in this matter (Expert Reports), true and
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                           correct copies of which are attached to the Declaration of Laura G. Brys as Exhibits
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                           12-A and 12-B respectively.
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                                  4 .. The contents of my Expert Reports are based on my personal knowledge,
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                           education, training, academic research, and professional industry experience in the
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                           electronic payments industry, as well as the information and documents made
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                           available to me in this action, as listed in the report itself.
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                                  I, Pamela Joseph, declare under penalty of perjury that the foregoing is true
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                           and correct. Executed on this 11 1 " day of October 2025.
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GOODWIN PROCTER LLP
   ATTORNEYS AT LAW
                                                                      -2-
                           JOSEPH DECL. ISO OF BANA'S PARTIAL MSJ                            CASE NO. 21-MD-029929-GPC-MSR


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