Nicola Harding

Harm is not abstract. It's the pensioner who lost her savings to a voice she trusted. The teenager groomed through a platform no one was monitoring. The founder whose company quietly bled credibility until the pipeline dried up and nobody could explain why.

I've spent over a decade working on prevention - before the harm lands, not after. As a Criminologist, as a Specialist Advisor to the UK Home Office, and as a CEO who grew revenue tenfold in under two years in one of the most sceptical, relationship-driven markets in the world.

That work now runs across everything I do.

I founded The Financial Crime Lab, a community interest company focused on education, prevention and awareness. I work with organisations, policymakers and the public to close the knowledge gaps that fraudsters exploit.

TutelIQ is a behavioural risk detection company I co-founded to operationalise harm prevention at scale. Our API helps platforms identify grooming, financial exploitation, radicalisation and fraud before damage is done, not after.

The thread connecting all of it is the same: harm is preventable. Most of the time, it just isn't prioritised until it's too late.