Ram Ballesteros is an underwriting product innovation lead at Haven Life, an online life insurance agency that’s backed and wholly owned by MassMutual. Ram is responsible for the development of a cloud-based enterprise solution for underwriting with the goal of bridging AI-driven and human-led decision making logic for MassMutual-issued products. Prior to joining Haven Life, Ram worked at Columbia University and the University of Notre Dame in implementation of student information systems with a focus on faculty and staff adoption. Ram brings energy, passion, dedication, and a bit of flare to all his projects. He has a keen talent for streamlining processes and executing change effectively.