Trailblazing Techie: Kalyani Ramadurgam’s Journey from Apple’s Anti-Terror Work to Fintech Innovation

 Ramadurgam’s early role at Apple involved ensuring that individuals on terrorism watchlists could not exploit digital payment systems. Shocked by the manual, paper-heavy compliance processes even at a tech giant, she envisioned a smarter, automated approach. In 2023, she launched Kobalt Labs, which has since attracted Y Combinator backing and millions in funding. Her startup focuses on streamlining partner vetting and financial compliance, areas critical for global banking operations.  

Notable updates  
• At Apple, Ramadurgam worked on preventing terrorism-linked individuals from accessing Apple Pay  
• Frustrated by outdated compliance methods, she sought to modernize the process with AI tools  
• Founded Kobalt Labs in 2023, now backed by Y Combinator and $13M in funding  
• Recognized in Forbes 30 Under 30 for her innovation in financial compliance  
• Kobalt Labs aims to transform partner vetting and regulatory adherence for banks worldwide  

Major takeaway  
Kalyani Ramadurgam’s journey reflects the power of innovation born from frustration, turning complex compliance challenges into opportunities for fintech transformation.  

Sources: Times of India, Forbes, One News Page