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Nicole Frayn is an accomplished professional in risk management and underwriting with extensive experience in the payments industry. As the Director of Underwriting at Electronic Merchant Systems since December 2024, Nicole leads underwriting initiatives. Previously served as Global Payments Risk Manager and Risk Manager at Revel Systems, contributing to risk management strategies. Nicole's tenure at Certegy Payment Solutions as a Senior Risk Analyst involved managing an $18B check cashing portfolio for Walmart. Earlier roles include Senior Credit Risk Analyst and Senior Risk and Underwriting Analyst at Paysafe Group, where responsibilities encompassed credit analysis, financial performance monitoring, and fraud risk assessments. Nicole holds a Bachelor of Science in Sociology and Business from the University of Oregon.