Ralph Chammas founded RIC Consulting in September 2009. RIC Consulting is a German regulated financial services company, that specializes in the field of asset-management. We develop fund- concepts, provide fund-advisory services and offer the preparation and implementation of the necessary market-entry criteria for placing new products in Central Europe. Prior, from June 2006 until April 2009, Ralph Chammas was the CMO and deputy CEO of a central-bank owned asset- management company in Luxembourg. The company had the role of carrying all AM related issues for the parent bank, totaling AuM of 3.5 Billion EUR after only three years since its inception. Ralph was responsible for marketing and sales, business-development, advisory and controlling.

From 1999 to 2006, Ralph headed the international sales division of the “HypoVereinsbank Asset Management Gruppe Activest”, which was taken over by Pioneer in 2006. Activest was one of the leading investment companies in Germany with assets under management totaling 130 billion euros. During this time, Ralph was responsible for all relevant tasks related to the production of asset management solutions with a focus on product placement on the group's international marketplaces.

Ralph Chammas started his career in the financial industry with Merrill Lynch in 1995 as a financial consultant. Throughout the last 30 years in the industry he was involved in marketing, sales, product- development and management, as well as in advisory and portfolio management for large German central-banks and well-known asset managers. Managing sales activities and strategies with focus on the asset & investment management industry, product development and advisory have been Ralph’s main skills for the past 30 years.