In his role as Chief Risk Officer, Nick Brown manages all aspects of Tricolor’s credit risk processes. Over the last five years, Brown served as the Chief Risk Officer at OnDeck Capital. Previously, he held various leadership roles in risk and general management over a five year tenure at the Commonwealth Bank of Australia, and his twelve years with Discover Financial Services, MBNA and CapitalOne. Brown earned his B.S. and M.S. in Industrial and Labor Relations, and Ph.D. in Statistics and Organizational Behavior from Cornell University.