John D. Graham is the Founder of ZERO INC, a seasoned entrepreneur, and an expert in financial services, security, compliance, and technology. Over the years, he has built two award-winning, eight-figure consulting practices from scratch with BSG and KPMG, focusing on large, challenging projects. With extensive experience leading high-profile ventures, he successfully managed an $8.5 billion bank and collaborated with top regulators such as FinCEN, SEC, and the IRS. His leadership has extended to advising several heads of state and designing eight industry exchanges.

His career spans across a wide range of industries, including AI, cybersecurity, and cryptocurrency. He pioneered the development of a cryptocurrency for central banks, worked on blockchain identity management, and advised on groundbreaking homomorphic encryption for cybersecurity. Additionally, he is a prolific author, having published two well-reviewed books and numerous articles on technology and innovation. He has also spoken at prestigious venues such as the US Congress, Brookings Institution, and the UN, sharing his insights on topics like data-driven drug discovery, security, and regulatory compliance. With five granted patents (one with over 360 citations) and two patents pending, he has made significant contributions to the technology sector.