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Kristi Gardner has a diverse work experience spanning over 16 years. Kristi began their career at Wells Fargo Auto Finance in 2004, working in Loss Prevention for five years. In 2009, they joined Goldman Sachs as a Technical Specialist and remained there until 2012. Kristi then worked at the Royal Bank of Scotland as a Team Lead and later as the Head of Confirmations for FX, FXO, IRD, and Money Market Confirmations. In 2014, they joined Orbital ATK as a Program Administrator for a year. In 2015, Kristi took on the role of Assistant Vice President of Wealth Management & Trust Operations at Bank of Utah. Kristi then transitioned to HealthEquity, where they held the position of Director of Operations for three years and currently holds the title of Vice President of Financial & Processing Operations.

Kristi Gardner has a Bachelor's degree in Finance, General from the University of Utah - David Eccles School of Business. Kristi also holds a Master of Business Administration (MBA) degree in Business from the same institution.