Raphael Palone, CFA, CAIA, FRM, holds a double bachelor’s degree in business management and economic sciences and two master’s degrees, in Economics and in Data Science. He works for 14 years as a corporate and investment banking professional at some of the largest banks in Brazil. Palone is a CFA charterholder®, a CAIA charterholder®, a Certified FRM®, and a CFP professional®. He helps prepare candidates for the CFA Exam® for 16 years. Palone's research primarily focuses on business cycles, capital market expectations, and AI applications to the Financial Markets.