Allen Cates is a financial strategist and operator with more than two decades of experience in institutional finance, capital strategy, and business leadership. After earning his MBA from Manchester Business School in the UK, Allen held senior roles at Bank of America and PNC Bank, where he led complex pricing, trading, and strategy initiatives across multi-billion-dollar portfolios. His work integrated analytics, risk management, and business planning at scale. Following his corporate career, Allen acquired and operated a multi-location accessibility franchise, applying his institutional experience to frontline execution in operations, finance, and customer strategy. As Co-Founder and CEO of Kilo Reserve, Allen leads vision, operations, and the investor experience. He brings institutional discipline to a platform built for long-term, real asset ownership.