Karine Mellata

About me:

Karine Mellata is the co-founder and CEO of Variance, which is building AI agents for risk, fraud, and compliance. Prior to co-founding Variance, she worked on fraud engineering and risk systems at Apple, focusing on detecting and mitigating complex, large-scale abuse.

Variance powers purpose-built AI agents that automate investigations across fraud detection, identity verification, and AML compliance. The platform enables large enterprises to conduct investigations at scale with fully auditable, evidence-based outputs, improving consistency, reducing manual effort, and scaling a team's best analyst 100x.