fix crash when creating initials for user without first and last name #20904

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Run time

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Job	Run time
Jira	9s
Setup	3m 9s
Lint	1m 28s
Test (unit)	2m 49s
Test (build)	3m 9s
ABL Schema Tests	1s
Selenium	1s
Scan	1s
	10m 47s