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David Nichols
Co-founder and General Counsel (former CRO) at Xinja Bank


David is passionate about secure, smooth and simply brilliant innovation to help customers bank better - at Xinja David is striving to achieve this. David believes banking is all about dealing in units of trust and that we have a responsibility to protect our customers and their hard earned money.

David is a savvy Corporate Governance, Risk Management, Compliance and Legal professional with extensive experience in financial services reporting to the CEO.

With diverse exposure to a broad spectrum of customers (from retail, to business, institutional and government), across an array of financial products & services (including lending, deposits, cards, advice, securities, Managed Investment Schemes and everything in between), via a smorgasbord of material risk categories (credit, operational & compliance, legal, strategy, technology related, capital & liquidity focused) and having worked in a variety of organisations (from the biggest bank in the country, the mutual banking sector, starting a fintech company and commencing his career in corporate law firms) - David prides himself on being a strategic business enabler with razor sharp commercial acumen and genuine customer centricity.

David obtained an Economics (and Social Sciences) Degree, Law Degree from the University of Sydney and Masters of Risk Management from UNSW. Also a Justice of the Peace (JP) and ad hoc guest lecturer / conference presenter.

David Nichols's Network

Agenda Sessions

  • Challenger bank insight: Are Neo-banks the future for banking?

  • Opportunities for risk management and banking: What new tech can we embrace?