Varo Bank is America’s first branchless consumer bank and its Chief Risk Officer explains what Varo does that allows her to sleep well at night, as she stays confident it’s risk management program meets or exceeds the standards for traditional banks. In part two of a two-part series, StoneTurn Partner Xavier Oustalniol sits down with Philippa Girling, Chief Risk Officer at Varo Bank, to discuss her team’s proactive approach to risk.