KAREN GARRETT, a frequent speaker, is a partner at Stinson Leonard Street LLP and co-leader of Stinson’s FinTech practice group.  She advises financial services businesses on payments, third party risk management, regulatory and operations matters, product development, compliance, M&A and other legal issues.  Karen represents financial companies in connection with licensing applications and enforcement orders.  She has provided legal support for cash management services, electronic transfer transactions, online services, mobile banking, prepaid, debit and credit cards and alternative lending and payments products.