Mohamed Aly is a Backend Engineer at Monzo Bank since January 2023 and serves as the Founder of Arvo Financial, where the focus is on building a digital interest-free US bank. Previously, Mohamed worked as a Software Engineer at Perpay Inc. from June 2021 to December 2022, contributing to financial products aimed at improving borrowing behaviors and outcomes. Prior internship experiences include a summer position at Atento Capital in June 2020 and research roles at the University of Oklahoma and Argonne National Laboratory. Educational credentials include a Bachelor of Science in Computer and Information Science and Organizational Behavior from the Jerome Fisher M&T Program, The Wharton School, and Penn Engineering, along with studies at Qalam Seminary.