Nick Sweeney

Nick Sweeney is SVP of Embedded Banking & Payments at California Bank & Trust, a division of Zions Bancorporation, where he leads the strategy, buildout, commercialization, and growth of the bank’s embedded banking, payments, and fintech business. His work is focused on building scalable enterprise financial infrastructure and compliance frameworks, such as APIs, instant payments, digital assets, and virtual account structures, that enable commercial clients to power scalable money movement across their platforms.

Over the past decade, Nick has led fintech strategies across large financial institutions, community and digital-first banks, and fintechs, including U.S. Bank, BankProv, Radius Bank, and LendingClub. He brings a practical operator’s perspective on how banks can innovate, partner, and scale within the evolving financial services landscape.

His experience includes helping scale U.S. Bank’s institutional embedded payments business across commercial, corporate, and fintech clients, as well as serving as a first mover in providing regulated banking infrastructure to digital asset companies at BankProv, where he helped pioneer some of the industry’s earliest tokenization, digital asset-backed lending, and stablecoin-related use cases. Earlier, at Radius Bank, he helped build one of the industry’s most successful digital-only banks, banking-as-a-service platforms, and fintech partnership strategies, which was later acquired by LendingClub in one of the industry’s first fintech acquisitions of a regulated bank.