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Nicole Encalade Joyce is an experienced banking professional currently serving as SVP - Director of Business Delivery and Enablement at Encore Bank since October 2023. Prior to this role, Nicole held the position of Vice President - Treasury Management Manager at Stellar Bank from February 2023 to October 2023. Nicole's extensive banking career began at CommunityBank of Texas N.A., where Nicole progressed through various roles, including Vice President - Treasury Services Project Manager and Assistant Vice President - Treasury Services Product Manager, contributing to product development, pricing strategies, and market analysis. Nicole also gained valuable experience as a Treasury Services Associate and previously worked at Texas A&M University as a Director's Office Senior Student Worker. Nicole holds a Bachelor of Science in Kinesiology with a minor in Business Administration from Texas A&M University, graduating in 2016.