Kristen Larson is an experienced financial services attorney who is passionate about offering innovative solutions and working with clients to meet their business objectives, focusing on delivering practical, thoughtful, and creative resolutions. Learning the banking business as in-house counsel at large and mid-sized national banks for nearly two decades has enabled Kristen to serve as a trusted business and legal adviser, helping her clients execute their strategies and achieve their objectives within their risk tolerance. Her in-house experience focused on consumer, small business, and treasury management deposit, loan, and payment products and services; digital banking; emerging payment systems; innovative technology; information security; privacy; operations; compliance; enterprise risk management; marketing; sponsorships; customer experience; servicing; and complex service contracts.
Experience
Representative Matters
- Advised bank clients on due diligence for two successful legal mergers and system integrations during a three-year period
- In-house counsel for CFPB litigation and OCC regulatory enforcement action related to Regulation E overdraft services and UDAAP/UDAP claims
- Led overdraft services consent order remediation and restitution plan execution, resulting in successful termination of OCC overdraft consent order and CFPB approval after first examination
Professional Highlights
Pro Bono Experience
LegalCORPS, 2006-present
Volunteer Lawyers Network, 2006-present
Wills for Heroes, 2007-present
Judicial Clerkships
Hon. Charles A. Flinn, Jr., Second Judicial District of Minnesota, 1998
Professional Activities
Minnesota Women Lawyers: St. Croix Valley Chapter
American Bar Association: Business Law Section & Consumer Financial Services Committee
Minnesota State Bar Association (MSBA): Business Law Section & Corporate Counsel Section
Education Finance Council
Adjunct Professor for Business Law Practicum Course at William Mitchell College of Law, 2008-2010
Recognition & Accomplishments
MSBA North Star Attorney (50+ pro bono hours), 2015-2023
LEAN change management certified project leader and corporate trainer, 2017-2019
Speaking Engagements
Presenter, "Handling Fraudulent Checks," America's Credit Union Conference, 2024
Presenter, "Legal & Regulatory Update," Credit Card Bank Compliance Association CLE, 2024
Presenter, "Overdraft & NSF Fees—New Rules and Recent Litigation," MN Banking Law Institute CLE, 2024
Board Memberships & Community Service
Minnesota Women Lawyers, Board of Directors, 2023-present
LegalCORPS, Board of Directors, 2015-2024; Emeritus Director, 2024-present
MSBA Corporate Counsel Section, Councilmember, 2012-2022
Publications
Note, Cast Your Ballot.com: Fulfill Your Civic Duty Over the Internet, 27 Wm. Mitchell L. Rev. 1797 (2001)
Credentials
Education
William Mitchell College of Law (J.D. 2002)
William Mitchell Law Review
College of St. Benedict (B.A. 1997)
Admissions
Minnesota
U.S. District Court for the District of Minnesota