David Nichols

Chief Risk Officer (CRO) 🔷 Chief Compliance Officer (CCO) 🔷 General Counsel (GC) 🔷 Cofounder Stables Money

David Nichols is a client-centric Chief Risk Officer (CRO) with a strong background in risk management, compliance, corporate governance, and legal matters in the financial services industry.

With a focus on embedding risk management practices for a competitive advantage globally, David has worked across various sectors including payments, digital assets, banking, lending, licensing, data, and technology.

He is well-versed in risk and compliance principles, having engaged with a diverse range of customers and financial products and services, spanning areas like enterprise risk management, operational risk, financial crimes, AML CTF, cyber risk, data management, and compliance monitoring.

David's experience includes roles in major banks, professional services firms, funds, mutual banking, FinTech companies, and corporate law firms, showcasing his adaptability and commercial acumen.

Education wise, David holds four degrees, including an Executive MBA, a Masters of Risk Management, degrees in Economics and Law, along with certifications like the Australian Institute of Company Directors (AICD) Director’s Course and ASIC RG 146.

He is also a Justice of the Peace (JP) and an ad hoc guest lecturer and international conference presenter, addressing topics like digital transformation, neobanks, risk management standards, intelligent automation, artificial intelligence, data security, and compliance.

Outside the professional realm, David is passionate about FinTech, RegTech, PropTech, and social impact initiatives, focusing on purpose-driven projects and technological innovation.

David's organizational experience includes roles such as Chief Risk Officer at Stables, Vice President of Risk Consulting at Genpact, Co-founder and General Counsel at Xinja, Chief Risk Officer at Qudos Bank and Qantas Credit Union, and various risk management positions at institutions like Commonwealth Bank and TEYS.

David's background showcases a comprehensive skillset in risk management, compliance, corporate governance, and legal affairs, making him a valuable asset in the financial industry.