Ram Ahluwalia
Ram Ahluwalia is the Co-Founder, CEO, and Co-CIO of Lumida Wealth Management, a crypto-native investment advisor specializing in digital assets and alternatives. In his roles, Ram oversees Lumida’s management team and directs the firm’s mission and operating principles. Ram is a fintech pioneer with over 20 years of experience across the consumer banking and buy-side sectors, best known for his background in statistical arbitrage and consumer credit. Prior to co-launching Lumida, he was the Founder and CEO of PeerIQ, a leading provider of institutional credit risk analytics for owners and operators of consumer credit risk. He was the Founder of Cross River Crypto after PeerIQ was acquired by Cross River in 2021. Previously, he was an operating executive at Bank of America and Merrill Lynch. He also served as 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.
Ram Ahluwalia Professional Experience / Academic History
Professional Experience
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Co-Founder, CEO, and Co-CIO
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Head of Crypto & Digital Assets
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Senior Vice President
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Vice President of Global Bank Group
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Defense and National Security Analyst
Academic History
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B.A., Economics and Philosophy
EXPERTISE
He is a thought leader in the digital asset space and is passionate about helping investors understand and invest in this emerging asset class.
He has developed a proprietary investment model for digital assets that takes into account a variety of factors, including technical analysis, fundamental analysis, and on-chain data.
He has a deep understanding of the different types of digital assets, including cryptocurrencies, security tokens, and NFTs.
EARLY CAREER
As Head of Crypto & Digital Assets at Cross River, he oversaw the development and execution of the firm's crypto strategy, sales, and development.
He was a Principal and Portfolio Manager at Winged Foot Capital, where he was involved in risk modeling, quant strategy, behavioral finance, and machine learning.
He was a Senior VP at Bank of America-Merrill Lynch and member of the Cards & Deposits executive management team responsible for $120B US.
He was VP of Global Bank Group at Merrill, where he developed and marketed mass-affluent and ultra-affluent value propositions for proprietary payments.
As a management consultant at Inductis, he advised Fortune 50 financial firms on statistical decision-making frameworks for acquisition and risk modeling.
MEDIA & APPEARANCES
Ram has appeared in various financial media outlets and publications.
He is a frequent speaker and writer on the topic of digital assets and blockchain technology.
He has also appeared as a guest on Real Vision.