Mari-Anne Bayliss focuses on understanding the impact of PSD2 SCA regulation, developing solutions to support compliance and optimize customer experience. Prior to joining Cybersource in 2017, she spent 18 years with a large UK retailer as the Head of Fraud and Risk, responsible for both eCommerce fraud prevention and internal risk management. During this time, she experienced significant changes to the risk and payment landscapes. She brings unique insight into today’s digital payment environment.