Ram has 30+ years of experience in the capital markets, having previously worked for Citigroup, Merrill Lynch, and Allstate. He was responsible for ALM and derivatives strategy at Allstate Insurance in Northbrook, Illinois, and a managing director in the capital markets and derivatives group at Merrill Lynch in New York. He started his career in the capital markets at Citigroup, where he was a managing director in the structured finance and derivatives areas in New York and London.