Fiona Ma received a bachelor's degree in accounting at Rochester Institute of Technology, a master's degree in taxation from Golden Gate University, and an MBA from Pepperdine University.
She is a CPA In 1993 she worked at Ernst and Young - one of the "big six" accounting firms at the time.
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Born and raised in New York, she attended Baker Elementary School before graduating from Great Neck North Middle and High Schools.
Growing up, she was known as a tomboy, interested in sports, Girl Scouts, and academics. William Ma, was a civil engineer who later specialized in construction claims and litigation before he retired.