Ram has 20+ years of experience in banking and asset management. Ram is the CEO and Co-Founder of Lumida – a Private Wealth Advisory firm focused on Alternatives & Digital Assets. Ram was the founder of Cross River Crypto. Ram was the CEO & Founder of PeerIQ (sold to Cross River Bank) which is the leading provider of data & analytics for the FinTech sector. Prior to founding PeerIQ, Ram was the CIO of Winged Foot Capital an investment advisor responsible for managing an alternatives portfolio via investments in hedge funds, real estate, and late-stage venture capital.Previously, Ram was a Senior Vice President at Bank of America-Merrill Lynch and member of the Cards & Deposits executive management team responsible for investment decisioning a $120 Bn credit portfolio. Prior to this role, Ram was a Vice President at the Merrill Lynch Global Bank Group. As a management consultant at Inductis, Ram advised Fortune 50 financial firms on statistical decision-making frameworks for acquisition and risk modeling. Ram received a B.A. in Economics-Philosophy from Columbia University and is a CFA charterholder.