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The transfer of heat energy from a swimmer to the water molecules in contact with his skin is best described as conduction.

Conduction

Conduction is the method through which heat is transmitted from a cooler to a hotter end of an object.

From a hotter to a cooler body, heat will flow naturally. For instance, heat is transferred from an electric stove's hotplate to a pan's bottom when the two are in touch. Temperature disparities within a body or between bodies that don't have an opposing external driving energy source gradually decrease when thermal equilibrium is approached, the temperature becoming more uniform.

In conduction, heat is transferred both inside and outside of the body. In contrast, heat is frequently transferred between bodies that may be physically apart when it comes to thermal radiation.

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