SVP, General Counsel and Chief Privacy Officer
InComm Payments
Nicole Ibbotson is General Counsel & Chief Privacy Officer at InComm Financial Services, Inc. ("InComm"). InComm is a FinTech company known for prepaid, gift and payment solutions in various sectors like Financial Services, Retail and Healthcare with over 525,000 points of retail distribution in 32 countries generating over $50 billion in transactions annually. Ms. Ibbotson oversees legal, regulatory and government affairs for all financial services programs offered by InComm and manages InComm's global privacy program. She has 20 years expertise with legal, compliance and government affairs relating to financial services, payments, financial technology, cybersecurity and data privacy. She was named 2024 Top 50 Women Leaders in Financial Technology, 2022 Top 50 Women in Finance, WWA's 2021 Top 100 Leaders in Finance, ACI's 2017 Top Ten Women Leaders in Financial Services and Paybefore's 2015 Top Ten Women in Payments. She serves on Money Services Business Association (MSBA) Board, TAG FinTech Board, Atlanta Women in Cybersecurity Roundtable, and Electronic Transactions Association (ETA) Prepaid Working Group. Ms. Ibbotson is a frequent speaker at conferences, including Money 20/20, IAPP Global Privacy Summit, Card Forum, ACI legal conferences, and Women Leaders in Financial Services Law & Compliance.
The tidal wave of fintech innovation that is transforming financial services shows no signs of retreating, as open banking, emerging technologies and customer expectations continue to evolve the industry at an accelerated pace. Bank-fintech partnerships have been instrumental in shaping the future of global digital finance, delivering seamless, mobile-first solutions, but operational risks and regulatory compliance must be managed and met by models that foster collaboration and ensure safety and soundness. Industry participants and experts weigh in on how these innovation-based partnerships are expanding access to banking services, optimizing the customer experience, speeding product development, and increasing operational efficiency—all with an eye on establishing a framework for bank-fintech partnership that manages risks and compliance without compromising innovation.