Pham attended San Jose State University studied Finance and Economics.  An active student, Kevin was Vice President of Operations at The Banking and Investment Association of San Jose State.  He graduated in 2011 and self-financed his education. 
From 2008-2010, Pham worked at Wells Fargo, first as a teller and then as a banker.  Pham's first job out of college was as a Credit Analyst for Venture Capital Group where he learned about how credit worked through being formally trained in Comerica's Credit Training Program.  He was promoted to Senior Credit Analyst where he gained experience in traditional cash flow and asset-based lending.  Pham left to pursue an opportunity to become a Senior Credit Analyst in Technology & Venture Capital Banking where he was their sole underwriter for the first year.  He was promoted to Assistant Vice President a year later.  Pham left in April 2015. 
Hold Wells Fargo Accountable
In September of 2016, Pham took a picture outside of the Wells Fargo headquarters with a sign the stated "CLOSE YOUR ACCOUNT #holdwf accountable" and authored a Facebook post articulating the overaggressive sales culture at the organization.  It was a response to CEO John Stumpf's attempt to pin the blame on 5,300 fired low-level employees for Wells Fargo being fined by the Consumer Financial Protection Bureau for creating sham accounts to meet sales goals.  The post received over 50,000 shares and Pham began to appear in Forbes and on CNN on behalf of the Hold Wells Fargo Accountable Movement. 
It was revealed that before Pham took action against Wells Fargo that he took a short position on the company, saying “if Wells Fargo is going to make money by lying, deceiving and exploiting, why shouldn’t I do the same by telling the truth?”  Although he ended up losing a small amount on his positions, Pham promised to donate half the money he made on the positions to charity. 
As a result, Stumpf resigned from his position as CEO and Pham secured an affiliate partnership with Aspiration.com, a venture-backed socially conscious financial firm in order to provide alternative banking option for victims and supporters looking to move their banking. 
Pham began investing in Bitcoin in 2013 and Ethereum in 2014.  He joined Twitter in March 2014 and in 2017 became an outspoken advocate for Bitcoin Maximalism.  A number of his tweets are critical of Ethereum and Coinbase.  Pham states that he hates Ethereum.