Sebastian T. Ratcliffe is an experienced business leader with a strong background in product and business development. Currently serving as the Head of Business at riskine since January 2020, Ratcliffe has previously held key roles such as Product Manager and Co-Founder at H12E.ai, where the focus was on developing AI-powered predictive engines. Experience includes a Project Leader position at Evolution Partners Management Consulting, leading digital transformation and integration projects in various industries, and a managerial role at The Mind Company, overseeing project delivery and client relations. Early career stages included consultancy roles for Fortune 500 companies and internships in public sector consulting and business advisory. Sebastian T. Ratcliffe holds a Master of Science from Nanyang Technological University and a Master of Arts from the University of Warwick, among other academic qualifications.