Dr Michelle He: Co-founder and COO of Abound. Michelle has a long and accomplished background in finance and analytics. Prior to Abound she was a Director at accountancy firm Ernst & Young (EY), based in London. At EY she served major banks and financial institutions on lending, credit analytics, and driving complex banking transformations. Michelle holds a Ph.D in machine learning, and has been a trusted advisor for fast-growing global Fintech firms.