AI in Action Bringing smarter, accessible wealth management through agentic AI
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Dec 2, 2025 Ramona Ortega, Founder and CEO of WealthBuild AI, aims to democratize personalized financial advice using AI. She discusses the evolution of AI in wealth management and how transitioning from chatbots to agentic workflows can enhance scalability. Ramona highlights partnerships with community banks to bridge gaps in access to financial services for underserved populations. She also addresses the challenges of messy data and emphasizes the importance of governance in implementing AI solutions.
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Founding From Education To Enterprise
- Ramona Ortega started WealthBuild after a prior financial-education company and built a small, adaptive technical team.
- She recruited a co-founder CTO from her network to handle enterprise infrastructure while she led product and vision.
From Generative To Agentic Workflows
- WealthBuild moved from basic generative models to RAG and now to agentic workflows to deliver compliant, personalized financial guidance.
- Agentic workflows combine enterprise data, policies, and multi-step automation to make AI practically useful in finance.
Build With Governance First
- Prioritize governance and compliance when building financial AI and choose partners that support enterprise controls.
- Ramona chose IBM for Watson governance to ensure the system met regulatory and enterprise requirements.