Julian Kaljuvee is an accomplished AI/ML Engineer and Data Scientist with extensive experience in quantitative analysis and risk management across major financial institutions. Currently at Predictive Labs Ltd since March 2020, Julian has worked on advanced enterprise projects with clients like Microsoft and Opticonomy. Prior roles include Senior Quantitative Analyst positions at Morningstar DBRS, UBS, HSBC, Standard Chartered, and LSEG, focusing on credit ratings, market risk platforms, and regulatory compliance. Julian also co-founded several innovative financial platforms, including EstateGuru and Investly, driving significant growth and funding in the property and invoice finance sectors. Educationally, Julian holds a Bachelor's degree in Economics and Applied Mathematics from Harvard University, a Master's in Statistics and Probability Theory from Columbia University, and additional studies in Computer Science at Wesleyan University.