Marina Gracias
General Counsel and Corporate Secretary
Varo Money


Marina Gracias is General Counsel / Corporate Secretary of Varo Money, Inc. Varo’s mission is to help people improve their financial lives by providing them with a suite of digital first financial tools. Marina led the effort for Varo to obtain the first digital only OCC national bank charter, deposit insurance from the FDIC and also approval for a bank holding company from the Federal Reserve. Before joining Varo, Marina was Managing Director at Accenture, where she was responsible for deal structuring and negotiations in financial services. Prior to this, Marina was the Chief Procurement Officer for Visa, where she led procurement of goods and services for Visa globally. Marina also served as Senior Vice President / Associate General Counsel for Providian Financial and prior to that, she was in private practice at major law firms. Marina received her J.D. from University of California, Berkeley and her M.B.A. and B.S. from the Haas School of Business, University of California, Berkeley. Ms. Gracias serves on the UC Berkeley Executive Education Board and Bizworld Advisory Board.

Building the Digital Bank: New Technologies and Key Challenges