Kristen Larson

Of Counsel

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.


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, Recent Legal and Regulatory Updates, Credit Card Bank Compliance Association CLE, 2023

Presenter, "Deposit Account Overdrafts," San Francisco Bank Attorneys Association CLE, 2022

Presenter, “eSignature and Banking: Laws and Tools of the Trade,” MN Banking Law Institute CLE, 2021

Board Memberships & Community Service

Minnesota Women Lawyers, Board of Directors, 2023-present

LegalCORPS, Board of Directors, 2015-present

MSBA Corporate Counsel Section, Councilmember, 2012-2022


Note, Cast Your Fulfill Your Civic Duty Over the Internet, 27 Wm. Mitchell L. Rev. 1797 (2001)



William Mitchell College of Law (J.D. 2002)
William Mitchell Law Review

College of St. Benedict (B.A. 1997)



U.S. District Court for the District of Minnesota