Ramya is the founder of Pefin. Before founding Pefin, she managed multi-billion dollar portfolios on Wall Street – first at Morgan Stanley and later, as Vice President of Proprietary Trading at Goldman Sachs.

Ramya holds a bachelor’s degree in Computer Science from the University of Maryland, Baltimore County and concurrently earned two master’s degrees from Columbia University- one in Artificial Intelligence (AI) / Machine Learning and the other in Financial Engineering. She co-filed her first patent at the age of 23 in the area of software architecture.

As a daughter, wife, and mother, Ramya relates closely to the financial challenges each of us face in planning for the future. Her motivation for founding Pefin occurred when her father lost his job during the 2008 financial crisis, jeopardizing his retirement plans. She spent weeks helping him navigate his financial situation, and realized that millions of others were in similar situations without the ability to access the truly unbiased financial advice they needed. Leaving her extremely successful career on Wall Street, she leveraged her background in technology, AI and financial services, and founded Pefin.

Today, Pefin’s proprietary and patent-pending technology offers world-class, fiduciary financial advice. Most importantly, Ramya has built Pefin to embody the very attributes that she believes financial services needs today – being fiduciary, being transparent, and being affordable for all.