Colin Walsh is the CEO and co-founder of Varo Money, the first consumer fintech to be granted a bank charter in US history. Colin founded Varo with a specific vision: to help millions of people improve their financial lives. Colin is uniquely positioned to lead the digital bank revolution and has more than 25 years of experience in consumer banking at large global financial institutions. He led Europe’s largest credit and charge card business as an Executive Vice President at American Express. Colin also led the UK’s largest mortgage and savings businesses at Lloyds Banking Group, and served as Managing Director for the firm’s retail bancassurance, credit, debit and merchant acquiring businesses. Varo is a new kind of digital bank, one that's wholly designed around consumers looking for a better way to bank and a partner in their financial health. From No Fee Overdraft, the first-ever service of its kind to remove fees on overdrafts, to instant peer to peer payments, a high yield savings account, and amazing Utah-based customer service - Varo is a better alternative to traditional brick and mortar banks. As a digitally native chartered bank, Varo's more efficient, tech-driven model offers premium banking services that put real money back in the hands of everyday consumers and their communities. In the future, there will be banks and there will be Varo.