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Nicole H. has a diverse work experience spanning over 24 years. Their most recent position is as the SVP of Payments Risk and Compliance at Swivel, a role they started in 2022. Prior to that, they worked as the Head of Consumer Bank & Shared Services Risk Oversight at Citizens Bank from 2020 to 2021. Before that, they served as the Head of Compliance & Fraud Risk at Kabbage, Inc from 2019 to 2020. Nicole also held the position of SVP of Fraud Strategy and Authentication at BBVA in the USA from 2017 to 2019. From 2015 to 2017, they worked as the VP of Operational Risk at Synchrony. Prior to that, Nicole held roles at GE Capital, including Senior Operational Risk Program Manager from 2014 to 2015 and Senior Credit Risk Reviewer from 2011 to 2014. Before joining GE Capital, they worked as a VP of Credit Risk Analyst III at Wells Fargo from 2007 to 2011. Nicole's earlier experience includes a role as a VP of Business Banking Relationship Manager at SunTrust from 2003 to 2007 and a role as a Senior Branch Manager at TCF Bank from 1998 to 2003.

Nicole H. completed their education in a chronological order. Nicole first attended Robert Morris University - Illinois from 2000 to 2001, where they obtained an Associate of Arts (AA) degree with a field of study in Legal Assistant/Paralegal. Subsequently, they pursued a Bachelor of Business Administration (BBA) degree in Accounting and Business/Management at the same institution from 2000 to 2004.

Later on, Nicole H. enrolled at Keller Graduate School of Management of DeVry University from 2009 to 2011. During this period, they earned a Master of Business Administration (MBA) degree with a field of study in Accounting and Finance.

In addition to their formal education, Nicole H. achieved the Accredited Payments Risk Professional (APRP) certification from Nacha in August 2022.