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Kristal Nichols has extensive work experience in the financial industry, specifically in roles related to financial crimes prevention and compliance. Kristal began their career at MB Financial Bank in 2006 as a Loss Prevention Associate and later held various positions including CTR Coordinator and BSA AML Specialist II. In 2015, they became the CTR Supervisor and in 2018, they were promoted to FCRM Operations Supervisor. Kristal joined Fifth Third Bank in 2019 as a Senior Compliance Analyst and worked there until 2022. In the same year, they joined First Busey Corporation as a Senior Financial Crimes Specialist. Kristal is currently working at Busey in the same role.

Kristal Nichols' education history includes studying Business Administration at Triton College. The years of enrollment and the attainment of a degree are not specified.