Gavin Michael

Dr. Gavin Michael is a Chief Executive Officer at Varo Bank, NA, a Chief Executive Officer & Director at Varo Money, Inc. and a Chief Executive Officer at Bakkt Opco Holdings, LLC.
He is on the Board of Directors at Varo Money, Inc. Dr. Michael was previously employed as a Managing Director-Research & Development by Accenture Ltd., a Chief Technology Innovation Officer by Accenture LLP, a President, Chief Executive Officer & Director by Bakkt Holdings, Inc., a Head-Technology by Citigroup, Inc., an Information Technology Director-Retail Banking by Lloyds Banking Group Plc, a Head-Strategy & Architecture by National Australia Bank Ltd., and a Chief Executive Officer by VPC Impact Acquisition Holdings.
He also served on the board at Avanade, Inc. He received his undergraduate degree from The University of Western Australia and a doctorate degree from The Australian National University.