Recently named Founder of the Year by Benzinga, Ramya Joseph is a former banker that combined her knowledge of investment management and machine learning, to create Pefin, the world’s first AI financial advisor. Pefin, which won the People's Choice Award at SXSW in the interactive innovation category, is a neural network which starts with the user’s current finances and projects how they will change over time with market conditions, inflation, taxes, government rules, and the user’s plans. I caught up with Ramya at her company's HQ in New York, where we spoke about the future of algorithmic financial advice, and also what kinds of people AI-first organizations need to hire in order to succeed.