Raluca Filip, CFA, PRM, is a decision-making coach and trainer who works with leaders and institutions to sharpen critical thinking and align decisions with long-term goals. As the founder of By Choice Consultancy, she specializes in helping individuals and organizations overcome decision-making challenges by integrating behavioral insights, financial expertise, risk management, and strategic thinking. She has a background in investments of more than 15 years that includes roles such as risk management, equity analyst, and fund manager.