Ravi Sandepudi is the Co-founder and CEO of Effectiv, a fraud & risk management platform designed for credit unions. Before starting Effectiv, Ravi was the Director of Product Development at PayPal, leading their efforts to build cutting-edge fraud protection services for hundreds of thousands of merchants. Ravi joined PayPal via the acquisition of Simility, a pioneer in fraud detection software, where he was the first employee and led their offices in India and the UK. Before Simility & PayPal, he worked at Google in their Risk, Trust & Safety group, building systems that detected fraud, malware, and abuse across products like Google Search, Ads & Google Pay.