Retirement in the United States used to feel more achievable. Today, the road to living comfortably once you stop working is much more complicated, and many of us are wondering if we will ever be able to retire at all. Thasunda Brown Duckett, the president and CEO of TIAA, wants to make retirement a given again.

After rising through JPMorgan Chase, she got tapped in 2021 to lead a Fortune 100 company, TIAA. Today, she’s leading the company through a period of massive change, expanding beyond TIAA’s traditional markets and advocating for something she calls “lifetime income” that she hopes can redefine retirement for the next generation, while also increasing TIAA’s bottom line.

In a new episode of Fortune 500: Titans and Disruptors of Industry, Fortune’s Editor-in-Chief Alyson Shontell sat down with Brown Duckett to discuss why so many Americans are in danger of running out of cash, the non-scary ways she’s using AI to fight fraud, and the leadership philosophies that have guided her rise from a Fannie Mae intern in Texas to one of the most powerful executives in the world.

Here’s some of what they discussed during their interview:

On the state of U.S. retirement