Leadership Team

Andrea Moss brings over 28 years of financial services and banking experience to her role as President and CEO of Nelnet Bank. Andrea is responsible for the strategic direction and execution of all facets of the bank. Ms. Moss has also served as President of Comenity Capital Bank and American Express Centurion Bank and held other senior executive positions at Zions Bank. Ms. Moss has been recognized by the American Banker Association as one of the Top 25 Most Powerful Women in Finance, and named by Utah Business Magazine as one of the 30 Women to Watch in Business. Ms. Moss currently serves on the board of the Utah Association of Financial Services, Utah Bankers Association, Governor’s Office of Economic Development, Talent Ready Utah, Salt Lake Valley Intermountain Health Care, and as a member of the National Advisory Council at Brigham Young University.

As the bank’s Chief Operations Officer, Julie Buchholz leads the Nelnet Bank launch phased project plan, oversees services and operations provided by Firstmark and Nelnet, and is responsible for the customer servicing experience for the bank as it launches its retail deposit program. As CRA Officer, Ms. Buchholz ensures compliance with the bank’s CRA program, leveraging a decade of experience in that role for Comenity Capital Bank, as well as for GE Capital Bank. Prior to Comenity, Ms. Buchholz spent 24 years in operational and leadership roles with General Electric and the NBC media properties. She brings to Nelnet Bank proven business acumen and experience fostering collaborative relationships with regulators, community stakeholders, and nonprofit and industry organizations. Ms. Buchholz serves on the Utah Community Action Board of Trustees.

Cindy Fulton-Serrano is a seasoned finance executive with over 17 years of experience, most recently serving as Senior Vice President of Finance and Accounting for Cabela’s/World’s Foremost Bank. She provides oversight and leadership for Nelnet Bank’s financial planning and reporting, capital management, asset/liability management, liquidity management and reporting, interest rate risk, stress testing, allowance for loan loss reserves, and internal controls over financial and regulatory reporting. She is the primary contact for external auditors. Ms. Fulton-Serrano resides in Nebraska.

Lauren Whicker is the Chief Compliance Officer and Chief Privacy Officer for Nelnet Bank. A native of Salt Lake City, Lauren joined Nelnet in October 2019 to begin the formation of Nelnet Bank. In her current position, Lauren is responsible for overseeing the Bank’s Compliance Management System and the Bank’s privacy program for deposit and loan products. Prior to joining Nelnet Bank, Lauren was the Chief Compliance Officer at Comenity Capital Bank. Lauren received her bachelor’s degree from the University of Utah and maintains her Certified Regulatory Compliance Manager (CRCM) and Certified Anti-Money Laundering Specialist (CAMS) designations.

Serving as Chief Technology Officer, Heath Roehr is responsible for delivering value-added technology that creates a unique and differentiated product experience for customers and a scalable, modern operational system for Nelnet Bank. As Chief Information Security Officer, Mr. Roehr is responsible for the security of Nelnet Bank systems, associates, and customers. Prior to joining the Bank, Mr. Roehr served as Senior Vice President of Solutions for PaymentSpring, a subsidiary of Nelnet. Previously, Mr. Roehr served in a number of leadership roles in the entrepreneurial community. Operating both a successful consulting firm and technology business, he has delivered numerous products to market, participated in venture fundraising and deal structure, served on multiple boards, and built teams of talented engineers and business professionals. Mr. Roehr began his career in the aerospace and defense industry, having worked for Johns Hopkins Applied Physics Laboratory, NASA, and Textron.

Rob Pedersen has 27 years of banking experience. He joins Nelnet Bank from Sallie Mae Bank where, as Chief Credit Officer, he led credit risk management functions and launched personal loans and credit card products. Mr. Pedersen is responsible for the credit strategy, policy, and analysis of the bank’s loan portfolio, as well as data analytics, fraud prevention, and ensuring best practices within the consumer loan portfolio. Mr. Pedersen serves on community organizations associated with economic development, low-income housing tax credit properties, education, and financial literacy. Mr. Pedersen resides in Utah.

Jennifer Mackintosh’s 20 years of financial services experience includes building and maintaining the Bank Secrecy Act/Anti-Money Laundering (BSA/AML) and sanctions compliance programs for consumer and commercial banking organizations as well as leading compliance, internal audit, and community development programs. Most recently she served as Senior Director of Audits, Exams, and Regulatory Relations at PayPal. Prior to joining PayPal, Ms. Mackintosh was responsible for the BSA/AML programs for two banks owned by American Express. Earlier in her career she worked for various financial institutions, including GE Capital Financial, Lehman Brothers Commercial Bank, and First Security Bank. Ms. Mackintosh has established risk governance principles and a risk management framework and policy that keeps Nelnet Bank’s risk-taking activities in line with its strategic objectives and risk appetite. She lead the bank’s second line of defense activities in addition to the Bank’s BSA/AML Program. Ms. Mackintosh resides in Utah.