Nicole Cluff

Nicole Cluff's work experience begins with their current position as VP, Head of Product Strategy at Constant, which they started in May 2020.

Before joining Constant, they worked at TD where they held various roles. From February 2019 to May 2020, they served as VP, Senior Manager, Business Management & Governance. In this role, they were responsible for evaluating and overseeing Loan Servicing & Collections processes, ensuring adherence to regulatory requirements and process standards, and identifying improvement opportunities.

Prior to that, from November 2012 to February 2019, they were Vice President, Business Process Manager II at TD. Here, they evaluated and oversaw Loan Servicing & Collections processes, ensuring alignment across segments and identifying risk areas and breakdowns.

From May 2011 to November 2012, they worked as Assistant Vice President, Unit Manager at TD. In this role, they managed the Workout Unit and processes, including FDIC loan transition, and led front line staff.

Starting in September 2005 until May 2011, Nicole served as Unit Supervisor, Collections and Recovery at TD. In this role, they supervised a team responsible for collection efforts and compliance monitoring.

Their earliest position was as a Dialer / Early Default Collections Representative at TD, which they held from June 2004 to September 2005.

Nicole Cluff obtained a Bachelor of Arts (B.A.) degree in Sociology from the University of Southern Maine. In addition to their undergraduate education, they also achieved the Agile Certified Product Manager and Product Owner Credential (ACPM) from AIPMM The Association of International Product Marketing and Management in February 2022. Nicole also received the Certified Product Manager (CPM) certification from the same institution in the same month and year.