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, where she helped banks develop digital strategies to prepare for the global wave of faster payments and combat financial crime. During this time, she has also served on the Federal Reserve Bank's Secure Payments Task Force, which involved working with the federal government to advance the safety, security, and resiliency of the U.S. payments system. In addition, Miller has held directorships and executive roles in fraud strategy at USAA, eBay/PayPal, and Lloyds Banking Group.