Nick re-joined FICO in June 2019 as Principal Consultant focusing on customer lifecycle solutions and the FICO Decision Management Suite. With over 20 years’ experience in Banking and Financial Services, Nick has a passion for using data, analytics and technology to enhance customer experience, automate processes and improve management of risk. Nick has held key roles in Risk Management for UK financial institutions, has worked on a number of major banking and digital transformation programmes, and has provided thought leadership and expert help and advice to organisations globally as a consultant for FICO Advisors, Capgemini and Callcredit / TransUnion.