Baron Gracias is a Senior Data Scientist at Apple, where he drives AI and analytics transformation, developing data-driven decision systems and agentic workflows for Apple Pay Business Development, Strategy and Operations. He previously held successive data science roles at Mastercard across Financial Crime, Open Banking and Economics. He holds a Master’s in AI and Machine Learning from the University of Cambridge, where he specialised in deep learning, computer vision and multi-agent systems. His work sits at the intersection of AI and business transformation, moving beyond experimentation towards scalable, explainable and measurable impact.