AI, Fraud, and the Future of Finance with Gina Nichols of Nimbus
Gina Nichols serves as Chief Information Security Officer at Nymbus, a company redefining core banking services through cloud-native technology and modular integration. Her career spans from the help desk trenches to leading cybersecurity strategy at a fintech innovator. With deep roots in infrastructure, divestiture planning, and disaster recovery, Gina brings a unique blend of technical fluency and business insight. Her early career in support and her experience managing security for financial institutions have shaped her calm, precise approach to building resilient systems and guiding banks through modernization with confidence. At Nymbus, she works at the intersection of fraud prevention, compliance, and product development—ensuring security is built into the platform from the ground up.
Here’s a glimpse of what you’ll learn:
- How Nymbus offers modular core banking platforms to credit unions and regional banks
- Why calm leadership matters in high-stakes financial cybersecurity
- Gina’s journey from Tier 1 help desk to CISO of a fintech company
- How AI is transforming fraud prevention at the transaction level
- The risks and promise of modernizing legacy financial infrastructure
- Why mentorship and real-time collaboration are critical in remote-first environments
- Gina’s view on credit card disruption and potential blockchain adoption
- How Nymbus partners with best-in-class AI vendors to support clients
In this episode…
Gina Nichols discusses the unique position Nymbus holds as a core banking provider for regional banks and credit unions, offering a full-service modern platform or modular “sidecar” systems. She describes how the company enables financial institutions to test new digital experiences without disrupting their legacy systems—giving them a competitive edge in a conservative market.
As CISO, Gina outlines the layered responsibility of securing both the company and its clients, noting that Nymbus must meet the expectations of regulators, auditors, and customers simultaneously. Her leadership style—calm, structured, and collaborative—stems from decades of hands-on work in stressful environments. She emphasizes the importance of designing strong foundations and integrating security early in the software development lifecycle.
Gina also shares her unconventional career path, starting at the help desk and evolving through roles in NOC operations, divestiture planning, disaster recovery, and consulting. Her ability to “speak geek” and business made her an ideal bridge between tech and leadership, even starting at Nymbus in a sales engineer role before growing into the CISO position. Mentorship and team learning, she says, played pivotal roles in her growth.
The episode concludes with a forward-looking discussion on fraud prevention and AI. Gina explains how Nymbus is leveraging behavioral biometrics and LLMs (large language models) for fraud detection, as well as their partnership with DataVisor to combat emerging threats. She also offers insight into the long road ahead for financial system modernization—predicting slow but steady progress in areas like ACH, wire fraud detection, and even blockchain’s future in regulated environments.
Resources mentioned in this episode:
Matthew Connor on LinkedInCyberLynx
Gina Nichols on LinkedIn
Nymbus Website
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