Michael Toth is a Senior Vice President and Digital Platform Leader at U.S. Bank, where he leads the bank's authentication and identity platforms supporting millions of customer interactions each year. He is responsible for driving strategy, modernization, and innovation across digital trust capabilities, helping deliver secure, seamless customer experiences while balancing fraud prevention and operational efficiency. Throughout his career, Michael has led large-scale digital transformation initiatives focused on authentication, identity verification, customer onboarding, and digital experience optimization. He collaborates with industry leaders to advance the future of trusted digital experiences in financial services.