Karine Mellata
Co-founder of Variance, a startup building AI agents for risk and compliance. Previously worked in fraud engineering at Apple and now helps large enterprises automate fraud detection, content review, and identity verification.
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Mar 31, 2026 • 31min
This Startup Secretly Detects Fraud For Fortune 500s
Karine Mellata, Variance co-founder and former Apple fraud engineer, talks about building AI agents that quietly help Fortune 500s fight fraud, review content, and verify identities. She gets into why secrecy matters, how messy enterprise data becomes usable, how state-backed abuse rings are uncovered, and the near-fatal accident that almost stopped the company.
