Ralitsa Miteva is the manager of digital identity and mobile security at OneSpan, where she advises financial institutions and other organizations about the evolving fraud landscape and helps them overcome emerging security challenges during their digital transformation. She has more than 14 years of experience in tech and anti-fraud, where she’s been focused on researching fraud patterns and new trends, managing fraud rules and policies, and helping both the business and end-users. Ralitsa is also immersed in machine learning and how it impacts fraud detection and analysis. Ralitsa holds a master’s degree in economics from the University of National and World Economy in Sofia, Bulgaria. She is a certified anti-fraud professional and a member of the Association of Certified Fraud Examiners.