Mary Ann Miller has been pioneering the use of artificial intelligence and machine learning in financial services for over 25 years. She is currently the Head of Fraud Strategy at Varo, which combines mobile technology with a social mission to provide access to no-cost premium bank accounts and automated savings tools. Prior to joining Varo, Miller was a senior director and fraud executive at Nice Actimize and has held directorships and executive roles in fraud strategy at USAA, eBay/PayPal, and Lloyds Banking Group.