Kalyani Ramadurgam, an Indian-origin tech professional, co-founded Kobalt Labs, an AI-driven compliance startup, after leaving a role at Apple where she worked to prevent terrorist misuse of Apple Pay. Her startup, which has raised $13 million, uses machine learning to help financial institutions automate and accelerate compliance reviews, addressing the slow, manual processes she observed. Ramadurgam was recognized on the Forbes 30 Under 30 United States 2026 list for her work in finance.