Nicole Murray

Nicole Murray is a seasoned risk management professional currently serving as the Head of Enterprise and Operational Risk Management at Varo Bank since December 2022. Prior to this role, Nicole held multiple positions at USAA over nearly seven years, culminating as Executive Director of Business Risk and Controls, and served as an Associate Director at Protiviti for eight months. Nicole's experience includes significant contributions to enterprise risk management, having led initiatives with senior leaders to assess and prioritize organizational risks and developed comprehensive risk frameworks, appetite statements, and reports. Nicole began a career in risk and financial analysis, including roles at CSAA Insurance Group and as a financial analyst, where foundational skills in compliance and control testing were established. Nicole earned a Bachelor of Science in Accounting from the University of Tennessee and a Master of Accounting from Auburn University.