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Ulla-Maria Ketola has a strong background in finance and auditing. Ulla-Maria started their career as an Auditor at KPMG Oy Ab in 1995 and worked there until 2004. Ulla-Maria then joined KPMG Advisory as an Internal Auditor until 2006. From 2007 to 2007, they worked at Ernst & Young as an Internal Audit Manager. Ulla-Maria then moved on to Stockmann Oyj Abp as an Internal Auditor from 2007 to 2009. Since 2009, they have been with Finavia, where they started as an Internal Auditor and later became a Business Controller. Currently, they hold the role of Head of Airport Network Business Control at Finavia.

Ulla-Maria Ketola completed their education from 1985 to 1988 at Kuopion Musiikkilukio. However, no degree or field of study is mentioned for this period. From 1990 to 1995, they attended Helsingin kauppakorkeakoulu and obtained a Master of Science (MSc.) degree in Accounting. In addition to their formal education, Ulla-Maria Ketola received the Certified Internal Auditor (CIA) certification from The Institute of Internal Auditors Inc. in May 2006.