Dev from Delhi went to USA for study 21 years ago and after doing his undergraduate from Columbia University in New York city being a high ranker he secured a ‘Summa Cum Laude’ and he continued living there for last about 17 years having been selected by the City bank in the in campus recruitment programme, later on he changed jobs on three or four occasions. He is now fully settled having gained a US citizenship. He is working in a big bulge bracket Investment bank in Manhattan and have to tour outside Manhattan area once a while, except when