Nick Kulik Email & Phone Number

Randolph Afb, Tx, Us

- Achieved a sophisticated understanding of the UCMJ Articles 77–134, focusing on the complexities of criminal intent (Articles 77–80), crimes against property (Articles 108–121), and crimes against persons (Articles 118–120b), with an emphasis on their enforcement in high-stakes operational environments.- Mastered the procedural intricacies of Article 32 Investigations, analyzing how evidentiary thresholds, witness testimony, and defense rights influence pretrial determinations in serious criminal cases.- Conducted in-depth studies of Title 10, U.S. Code, focusing on the statutory authorities governing the armed forces, including the interplay between military justice, operational law, and administrative separations.- Explored advanced topics in the Law of Armed Conflict (LOAC), such as targeting compliance under Rules of Engagement (ROE) and detention operations governed by Geneva Conventions Articles 3 and 4, emphasizing legal and ethical constraints during combat missions.- Studied the Air Force Negotiated Agreement Guide and its role in enforcing military contracts and upholding compliance with Federal Acquisition Regulations (FAR), particularly during international operations.- Gained expertise in appellate law by analyzing landmark decisions from the U.S. Court of Appeals for the Armed Forces (CAAF) and their long-term implications for interpreting and applying military justice.- Contributed to a deeper understanding of emerging legal challenges, such as cyber law and the implications of the DoD Cybersecurity Framework on operational readiness, privacy, and lawful surveillance activities.

Randolph Afb, Tx, Us

- Advanced the study of the rules of evidence under the Military Rules of Evidence (MRE), specifically focusing on MRE 301–317, which govern self-incrimination, search and seizure, and the admissibility of evidence in military courts.- Gained detailed knowledge of Article 92 (Failure to Obey Orders or Regulations), its critical role in addressing operational discipline, and its implications for Air Force readiness and accountability.- Conducted comparative analyses of international military law, including Status of Forces Agreements (SOFAs) and their role in defining the legal status of U.S. forces stationed abroad, ensuring compliance with host-nation laws.- Explored AFI 51-401 (Training and Reporting to Ensure Compliance with the Law of Armed Conflict), delving into the ethical and legal obligations of Airmen during wartime operations.- Studied the procedural nuances of Article 60 (Action by the Convening Authority) and its post-trial implications, particularly in the context of clemency and appellate reviews.

Randolph Afb, Tx, Us

- Deepened understanding of the Non-Judicial Punishment Process (Article 15), studying its procedural framework, rights of accused service members, and its use as a tool for maintaining discipline at the unit level.- Studied the intricacies of Articles 31–32, focusing on service members' rights against self-incrimination and the pretrial investigation process, which ensures fairness and transparency before a court-martial.- Examined the intersection of military justice with federal laws such as the Servicemembers Civil Relief Act (SCRA), exploring its provisions to protect the rights of Airmen facing legal or financial challenges during active duty.- Conducted an analytical review of case law stemming from U.S. Court of Appeals for the Armed Forces (CAAF) rulings, highlighting the evolving interpretation of military justice and its impact on policy.- Enhanced knowledge of AFI 51-202 (Nonjudicial Punishment) and AFI 51-201 (Administration of Military Justice), focusing on their procedural applications in maintaining compliance and legal integrity.

Randolph Afb, Tx, Us

- Began foundational studies of the Uniform Code of Military Justice (UCMJ) and its integral role in establishing the legal framework for good order and discipline in the Air Force. Focused on Articles 77–134, with emphasis on general punitive articles such as Article 86 (AWOL) and Article 91 (Insubordinate Conduct).- Studied the Manual for Courts-Martial (MCM) to understand the hierarchy of military justice, including its procedural safeguards, evidentiary requirements, and the roles of convening authorities.- Introduced to Department of Defense Directives (DoDDs) and Air Force Instructions (AFIs), such as AFI 36-3206 (Administrative Discharge Procedures), to gain insight into personnel accountability and administrative law.- Explored the Law of Armed Conflict (LOAC) and its interplay with international humanitarian law, focusing on the principles of distinction, proportionality, and necessity during armed conflict.

North Miami Beach, Florida, Us

- Developed an advanced understanding of subscription-based real estate models, with a focus on innovative financial structures and access to the lowest interest rates tailored to the needs of military personnel and veterans.- Directed the creation and implementation of Living+’s intellectual property portfolio, encompassing architectural design principles, community engagement strategies, and the integration of unique amenities within a network of private clubhouses.- Mastered the complexities of Real Estate Investment Trusts (REITs), overseeing the development of a groundbreaking investment model that enables ownership opportunities with low initial capital, democratizing real estate investments for a broader audience.- Explored strategic methodologies for integrating coworking and living spaces, ensuring optimal functionality, aesthetic appeal, and productivity within Living+, designed to foster collaborative and vibrant communities.- Conducted in-depth studies of customer engagement models, creating tailored solutions that address active-duty military and veteran families' unique challenges in navigating homeownership and investment opportunities.- Designed scalable systems for managing Living+ operations, focusing on streamlining real estate transactions, optimizing customer experiences, and ensuring seamless integration of innovative subscription-based services.- Evaluated and implemented strategies for brand development and market expansion, ensuring Living+ maintains a leadership position in military-focused real estate solutions while expanding its presence in untapped regions.- Gained expertise in fostering public-private partnerships to support Living+ initiatives, advancing the company’s mission of delivering accessible, community-driven real estate and investment solutions.

North Miami Beach, Florida, Us

- Skilled in originating and structuring diverse mortgage solutions, including Conventional, FHA, VA, USDA, and Jumbo loans, with a focus on aligning financial strategies to clients' unique needs and long-term goals.- Proficient in performing comprehensive financial assessments, including credit analysis, income documentation, and debt-to-income evaluations, ensuring efficient and accurate loan processing and approval timelines.- In-depth expertise in federal and state mortgage regulations, including RESPA, TILA, TRID, and ECOA, guaranteeing compliance and risk mitigation across all loan transactions.- Adept at cultivating client relationships through effective communication, tailored financial guidance, and a commitment to delivering exceptional service throughout the mortgage journey.- Experienced in leveraging CRM platforms and loan origination systems (LOS) to streamline the mortgage process, maintain pipeline efficiency, and support seamless client experiences.

North Miami Beach, Florida, Us

- Extensive experience in assisting veterans, active-duty military members, and their families with navigating the VA loan process, ensuring a clear understanding of eligibility, benefits, and available options under the VA loan program.- Specialized in performing detailed financial assessments tailored to VA loans, including credit analysis, income validation, debt-to-income ratios, and entitlement calculations, to facilitate seamless loan approvals and compliance with VA guidelines.- Deep knowledge of VA loan regulations and requirements, including VA funding fee structures, occupancy rules, and residual income standards, ensuring all transactions adhere to program standards.- Skilled in delivering personalized service, educating clients on the advantages of VA loans such as zero down payment and competitive interest rates, and aligning financial strategies with their unique needs.- Experienced in leveraging technology and loan origination systems to streamline the VA loan process, providing timely updates and maintaining transparency for veterans and their families throughout the loan lifecycle.

New York, New York, Us

- Ensured strict compliance with a broad range of regulatory frameworks, including the Truth in Lending Act (TILA), Truth in Savings Act (Regulation DD), Regulation E, Regulation CC, Regulation Z, Expedited Funds Availability Act, CAN-SPAM Act, Telephone Consumer Protection Act (TCPA), and Servicemembers Civil Relief Act (SCRA).- Applied expertise in operational risk management and fraud prevention, ensuring the seamless delivery of customer services while adhering to Citi’s zero-tolerance policy for internal fraud.- Promoted accessibility and inclusivity in alignment with U.S. Title III ADA regulations, maintaining a focus on customer-centric solutions.- Demonstrated adherence to the Community Reinvestment Act (CRA), Equal Credit Opportunity Act, Fair Housing Act, and the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), ensuring compliance across financial operations.- Fostered ethical decision-making and upheld Citi’s Global Conduct Risk Management standards, promoting best practices for risk mitigation and customer advocacy.- Conducted in-depth research on regulatory compliance frameworks, including the California Consumer Privacy Act (CCPA), Gramm-Leach-Bliley Act (GLBA), and Fair Credit Reporting Act (FCRA), enhancing risk management awareness.- Supported the evaluation and risk assessment of Citi’s End User Computing (EUC) tools and IT-enabled Smart Solutions (ITeSS), focusing on control implementation and risk mitigation strategies.- Gained a comprehensive understanding of Citi’s Enterprise Risk Management (ERM) framework, including Continuity of Business (CoB), Operational Resilience, and escalation procedures.- Assisted in maintaining compliance with Global AML, Sanctions, Anti-Bribery, and Corruption policies, ensuring alignment with corporate governance standards.- Provided support for cross-border compliance activities, adhering to Citi’s Country Conduct Rules and franchise risk policies.

- Developed and executed a holistic digital marketing strategy aimed at optimizing brand presence, lead generation, and customer acquisition across multiple channels. Utilized advanced data analytics, market segmentation, and consumer insights to tailor targeted campaigns, ensuring maximum engagement and ROI across SEO, PPC, content marketing, and social media platforms.- Oversaw the agency’s financial operations, including budgeting, revenue forecasting, and financial analysis. Applied cost-per-lead (CPL) and customer acquisition cost (CAC) metrics to assess campaign effectiveness and optimize resource allocation, ensuring profitable campaign execution while maintaining fiscal discipline and financial transparency.- Cultivated strong client relationships through personalized consultation and campaign strategy development. Managed the end-to-end proposal process, from needs analysis and digital audits to crafting tailored marketing funnels, cost estimates, and performance projections that aligned with client goals, KPIs, and overall business objectives. Delivered ongoing strategic insights to enhance client satisfaction and retention.- Managed and optimized the agency’s digital assets, including websites, landing pages, and social media platforms, ensuring alignment with UX/UI best practices and SEO strategies. Led A/B testing and conversion rate optimization (CRO) initiatives to improve user experience and drive higher engagement rates, ultimately maximizing conversion potential and client satisfaction.

Miami, Fl, Us

- Achieved exceptional portfolio performance, with a YTD performance of +40.27%, outpacing key benchmarks, including the S&P 500® Index (+34.12%), Dow Jones U.S. Total Stock Market Index (+33.44%), and MSCI ACWI ex USA (Net MA Tax) (+27.05%). This performance reflects a strategic, disciplined approach to asset allocation and time-weighted rate of return (TWRR) tracking.- Outperformed major bond indices, such as the Bloomberg U.S. Aggregate Bond Index (+11.45%) and the Bloomberg Municipal Bond Index (+10.86%), demonstrating the firm’s ability to generate alpha while maintaining a balanced risk profile.- Ensured strict compliance with comprehensive financial regulations, including the Securities Act of 1933, Investment Advisers Act of 1940, Dodd-Frank Act, and Regulation S-P (Privacy of Consumer Financial Information). This ensured adherence to SEC, FINRA, and other regulatory standards, reinforcing the firm’s operational integrity.- Applied risk management and portfolio optimization expertise, employing a disciplined approach to asset allocation and risk-adjusted returns. Focused on strategic diversification while ensuring compliance with both regulatory standards and the firm’s risk tolerance.- Promoted sustainable investing, incorporating Environmental, Social, and Governance (ESG) principles into the firm’s strategy. Aligned with global Sustainability Reporting Standards to drive long-term growth while balancing social impact and financial returns.- Adhered to leading compliance frameworks, including Global Reporting Initiative (GRI) and Sustainability Accounting Standards Board (SASB), ensuring investments met ethical, legal, and environmental standards and created value for stakeholders.- Fostered ethical decision-making and risk mitigation, upholding best practices in corporate governance, transparency, and compliance. Cultivated a culture of accountability, promoting the firm’s commitment to trust and high professional conduct.

New York, Ny, Us

- Spearheaded the development and promotion of a podcast platform, curating engaging content and leveraging it as a strategic communication tool to expand audience reach and foster deeper connections with stakeholders.- Designed and managed the organization’s internal and external product lines, ensuring alignment with brand identity and market trends while maintaining high functionality and aesthetic appeal standards.- Developed and executed multi-channel marketing strategies, utilizing the podcast app as a core component alongside social media, online platforms, and traditional marketing methods to maximize visibility and engagement.- Authored compelling content for the podcast app and broader communication initiatives, including articles, blog posts, and social media updates, to reinforce the organization's positive image and drive user engagement.- Cultivated strategic partnerships with influencers, industry experts, and media outlets to promote the podcast app and product lines, ensuring broader reach and credibility in target markets.- Ensured consistent branding across the podcast platform, product lines, and all communication materials, establishing a cohesive and recognizable brand presence.- Developed crisis communication protocols tailored to the product lines, ensuring timely and effective responses to safeguard the organization’s reputation in the event of sensitive issues.- Directed the integration of innovative design principles into the product line, enhancing user experience and market appeal for both internal and external stakeholders.- Monitored performance metrics for the apps and product lines, providing data-driven insights to refine marketing strategies and optimize product offerings for maximum impact.- Led training sessions and workshops for teams involved in the apps and product development, ensuring alignment with organizational goals and fostering innovation in content and product design.

New York, Ny, Us

- Supervised a team of over 10 marketing specialists, directing campaigns and strategies to enhance the company’s market presence and drive property sales.- Secured strategic partnerships and new contracts with high-end Miami developers, expanding the company’s portfolio and establishing strong industry relationships.- Achieved exceptional growth by acquiring over 200 new listings, significantly increasing the company’s inventory and market share in competitive real estate sectors.- Led collaborative efforts between the marketing and sales teams to develop targeted promotional strategies, ensuring optimized visibility and engagement for high-value properties.- Implemented data-driven marketing approaches to maximize ROI, leveraging analytics to refine campaigns and prioritize high-potential opportunities.- Fostered professional development within the marketing team, providing mentorship and training to align team performance with organizational objectives.- Played a critical role in positioning the company as a leading player in the luxury real estate market by curating and managing a diverse portfolio of premium properties.- Ensured seamless communication and collaboration with developers and stakeholders, promoting long-term partnerships and sustained business growth.

- Managed client databases with precision, overseeing email marketing campaigns and executing outreach strategies, including cold calls, to enhance customer engagement and retention.- Created and maintained brand guidelines while managing internal and external communications, strengthening the company’s online presence with digital resources and presentation products.- Designed and implemented proprietary internal software for quality assessment, personnel management, and team communication, improving operational workflows and efficiency.- Provided comprehensive training and conducted briefings to equip staff with the knowledge and skills to manage and utilize software effectively, ensuring productivity and adherence to best practices.- Led efforts to protect and enhance the brand's reputation by employing strategic reputation management techniques to mitigate negative references and reinforce a positive digital presence.- Streamlined business operations through the integration of innovative technologies and user-centered design, ensuring seamless alignment with organizational objectives and client needs.

- Led the development and consistent maintenance of the company’s brand identity, including the creation of the logo, website, promotional materials, and merchandising, ensuring alignment with organizational values and market positioning.- Oversaw recruitment processes, conducted training programs, and managed team performance to build a highly skilled and motivated workforce aligned with company objectives.- Negotiated and established new partnerships, fostering business growth while maintaining active engagement and support for existing clients to enhance loyalty and retention.- Collaborated with the CEO to develop and implement strategic initiatives to expand market reach and improve operational efficiency.- Monitored brand performance across digital and physical platforms, ensuring cohesive messaging and a positive perception among target audiences.- Designed and executed employee development programs to enhance team capabilities and ensure alignment with the company’s goals and vision.- Strengthened customer relationships by implementing loyalty programs and personalized support strategies, promoting long-term satisfaction and repeat business.

- Provided strategic thought leadership, establishing the foundation’s primary goals and fostering the development of innovative initiatives aligned with its mission.- Cultivated relationships with key stakeholders in both the private and public sectors, leveraging partnerships to strengthen the foundation’s programs and expand its reach.- Oversaw the management and allocation of the foundation’s investment portfolio, ensuring sound financial stewardship and preparing comprehensive documentation for legal and accounting teams.- Directed the design, content creation, and continuous enhancement of the foundation’s digital presence, including its website and social media platforms, to engage stakeholders and promote transparency.- Collaborated with board members and advisory teams to align the foundation’s strategies with evolving societal needs and emerging opportunities.- Monitored the performance and impact of fund programs, implementing data-driven improvements to maximize efficiency and achieve long-term objectives.- Represented the foundation at conferences, events, and public forums, advocating for its mission and driving awareness of its initiatives.

- Led the management and creation of innovative projects, new directions, and strategic goals for the Ukrainian Virologist Association, ensuring alignment with the organization’s mission and the advancement of virology research and development.- Established and structured the organization’s operations, overseeing the formation of teams, defining roles, and ensuring optimal performance across all functional areas.- Directed recruitment efforts, conducting interviews and hiring qualified personnel to support the organization’s growth and drive initiatives forward.- Managed the financial aspects of the association, including budgeting, financial planning, and resource allocation, ensuring sustainability and the effective use of funds for research and organizational growth.- Organized and coordinated international scientific conferences and exhibitions, providing platforms for knowledge exchange, collaboration, and the presentation of cutting-edge virology research.- Facilitated regular meetings and presentations for association members, delivering updates on ongoing projects, research findings, and organizational achievements.- Led efforts to expand the association’s membership base by identifying and attracting new members while fostering strong communication channels with current members and esteemed professionals in the field.- Maintained ongoing communication with professors, researchers, and members, disseminating key information, updates, and opportunities within the association through mailings and direct outreach.- Supported the association’s public relations strategy by promoting its initiatives and successes, reinforcing its leadership in the virology community.

- Contributed to the planning and executing of military operations within the Air Force Command of the Ukrainian Armed Forces, supporting national defense goals.- Participated in training programs to enhance operational readiness, tactical skills, and overall mission effectiveness.- Assisted in managing logistics and resources to support air operations, ensuring efficient use of equipment and personnel.- Supported internal communication efforts, ensuring that operational information was shared accurately and promptly.- Helped maintain morale and cohesion among personnel, fostering a disciplined and focused environment.- Represented the Air Force Command in meetings, providing insights on operational needs and challenges.

Diploma Of Specialization, Accounting And Finance

Master Of Finance (Mfin), Finance

Financial Accounting

Sustainable Investing

Alternative Investments

Professional Graduate-Level Diploma, Leading In A Remote Environment

Professional Graduate-Level Diploma, Happiness In Leadership: Driving Team Success

Dod Cyber Workforce Framework (Dcwf), Cybersecurity

Professional Graduate-Level Diploma, Leadership And Communication

Xseries Program, U.S. Government

Professional Graduate-Level Diploma, Corporate Finance

Four-Course Professional Graduate-Level Diploma, Marketing Management And Digital Strategy

Associate Degree, Criminal Justice

One-Course Professional Graduate-Level Diploma, Biochemistry And Molecular Biology

One-Course Professional Graduate-Level Diploma, Pharmacology And Toxicology

One-Course Professional Graduate-Level Diploma, Molecular Genetics

One-Course Professional Graduate-Level Diploma, Microbiology And Immunology

One-Course Professional Graduate-Level Diploma, Physiology, General

Bachelor Of Science - Bs, Virology/Immunology & Computer And Information Sciences

Microbachelors Degree, Information Literacy

Professional Graduate-Level Diploma, Digital Marketing

Professional Graduate-Level Diploma, Chinese Language And Literature

Professional Graduate-Level Certificate, Classical Works

Continuing Professional Education (Cpe), Mergers & Acquisitions (M&A)

Continuing Professional Education (Cpe), Financial Accounting

Continuing Professional Education (Cpe), Capital Markets

Continuing Professional Education (Cpe), Corporate Finance And Valuation Methods

Continuing Professional Education (Cpe), Credit And Credit Risk Analysis

Continuing Professional Education (Cpe), Investments And Securities

Continuing Professional Education (Cpe), Stock Trading

Harvard Managementor Program, Business Administration, Management And Operations

Professional Graduate-Level Diploma, Financial Decision-Making

Professional Graduate-Level Diploma, Fundamentals Of Financial Analysis

Professional Graduate-Level Diploma, Executive Leadership

Professional Graduate-Level Diploma, Entrepreneurial Mindset And Leadership

Professional Graduate-Level Diploma, Ai And Data Analytics

Professional Graduate-Level Diploma, Marketing Strategy

Professional Graduate-Level Diploma, Public Finance