Frances Harkins

About Frances Harkins


Frances Harkins joined North Capital, Inc. in 2013 as the Managing Director for the Benicia branch. Ms. Harkins is a Certified Financial Planner® who has helped Bay Area families, individuals, and business owners understand and solve their financial concerns since 2000. Ms. Harkins establishes long-term planning relationships with clients whose professions span many fields. She has a special interest in helping women gain greater confidence in minding money matters so that they can effectively manage their financial resources.

She started her career in banking during a masters level internship at Banca Serfin in Mexico City. Ms. Harkins learned lending and bank operations through Bank of America’s officer training program. She spent the majority of her tenure at the Bank’s Customized Financial Services Group assisting high net worth clients with their banking needs. After working at Bank of America, Ms. Harkins worked for the US Treasury’s Office of Thrift Supervision (OTS), the federal regulator of savings and loan institutions. In addition to examining a broad range of thrifts’ management, financial practices, and regulatory compliance, Ms. Harkins helped develop the OTS’ Criminal Referral Unit (CRU). The CRU served as the OTS liaison between US Attorney’s Offices, the FBI and the Secret Service to provide knowledge supporting the prosecution of bank fraud and provide training on financial crimes.

Ms. Harkins holds a MA in Economics and a BA in Business Economics from the University of California, Santa Barbara.