Mary Ann Miller is VP of Client Experience at Prove and a well-respected expert in the fraud and identity space. Mary Ann was most recently Head of Fraud Strategy at Varo Bank where she led the fraud strategy process for transitioning the fintech to a nationally chartered challenger bank. By leading fraud management programs and applying advanced analytics, machine learning, and channel security defenses Mary Ann has helped financial institutions globally lower exposure to fraud in an increasingly digital environment. Mary Ann’s previous directorships and executive roles in well-known organizations like USAA, PayPal, Lloyds Banking Group, and other technology firms provide a strategic business perspective of fraud challenges. Mary Ann has previously served on the US Federal Reserve Secure Payments Task Force and has built a high visibility reputation as a thought leader and global authority on digital fraud through media coverage on BBC news, NPR, American Banker, USA Today, Forbes, Bloomberg, and others.