Ratul is a Financial Services trust, safety and product innovation champion with 15 years of experience across Banking, Advisory and Fintech. He spent the first 7 years of his career in India, working for global financial institutions based out of the UK, US, Germany, Australia, Philippines and Egypt and then moved to the US. While in the US, he transitioned from working for systemically important financial institutions to mature and eventually to emerging start-ups. During the last 5 years in Fintech, he led risk strategies to support small business payments, lending, banking and advised start-ups on their product roadmaps & prioritization. Ratul holds a B.B.A. in Financial Management, is a qualified ACCA (UK) and FRM (GARP).