Miss Ann Moore Ward was born in Calderhead, Lanarkshire, Scotland in 1874. She was the daughter of Hugh Ward and Ann Dennis and one of four children.

The family emmigrated and settled in Pennsylvania in or around 1880.  Records of her father are lost in the mists of time but her mother remarried in 1890, to an Irishman, John H. Craig.

Annie was employed by the very wealthy Cardeza family as the personal maid to widow Charlotte Drake Cardeza. Mrs. Cardeza and her son, Thomas Cardeza, travelled to Europe and Africa in late 1911 and into 1912. The Cardezas enjoyed big game hunting. The party boarded the Titanic at Cherbourg, with Thomas's valet Gustave Lesueur to return to the USA.

On the night of the disaster she did not take the time to dress properly and threw a fur coat over her nightgown. She grabbed some items from the table to cram in her pockets, including salt and pepper cellars and some jewellery. The Cardeza party were all rescued on lifeboat 3. 

When Annie told Mrs. Cardeza she had rescued the few items in her pocket, her employer told her she could keep them.

Annie worked for Mrs. Cardeza until her death in 1939. After that Annie continued to work in Philadelphia as a housekeeper. She was married to William S. Moynahan, a native of Pennsylvania born to Irish parents. The couple had no children and William died in 1936.

Annie passed away in 1955. She was remembered as an eccentric lady and the jewellery and salt and pepper cellars were still in her posession at her death.