Speaker Biographies

Rohit Acharya is the Chief Data Scientist at First Access, a data analytics company that combines financial and mobile data to reliably predict credit risk for borrowers in informal markets and make financial products more affordable. His group builds and implements credit models, develops data- driven insights about banking operations, and advises financial institutions on both business strategy and product development. Prior to joining First Access,Mr Acharya worked at Bridgewater Associates, the world’s largest hedge fund in terms of assets under management, where he was responsible for portfolio assessment, trade oversight, and risk management. Prior to Bridgewater, he worked as a consultant at Oliver Wyman specializing in the financial sector. At Oliver Wyman Financial Services, he advised retail banks and insurance companies on engagements focusing on loan origination and underwriting, mortgage delinquency, and new financial product development. Mr Acharya holds a BA in Applied Mathematics and Economics from Harvard University and is a Chartered Financial Analyst.

Professor Sule Alan is a full time faculty member at the University of Essex in the UK. Her field of expertise falls in areas of microeconomics and household finance. She has published articles on consumption and saving decisions, subprime credit markets and household portfolio allocation in top international journals. Her research to date has been supported by SSHRC (Canada), TUBITAK (Turkey), ESRC (UK) and British Academy (UK). She is currently working on policy­relevant issues surrounding financial decision­making and education. Prof Alan received a doctoral degree from McMaster University, Canada in 2002. She completed postdoctoral study at the University of Copenhagen before joining York University in Toronto. In 2006, she joined the Faculty of Economics at the University of Cambridge as an Assistant Professor. In 2011 she moved to Koc University Turkey. She moved back to the UK in 2013. During her tenure in Cambridge, Prof Alan founded and led the household finance sector at the Center for Financial Analysis and Policy (CFAP).


Khadija Ali oversees the social responsibility portfolio at Pakistan Microfinance Network, including the Social Performance, Client Protection and Financial Education Initiatives. She works on strategy development for these initiatives and also manages day­-to­-day activities. As part of her work as a Social Responsibility Analyst, Ms Ali has undertaken projects to promote stronger monitoring of microfinance providers against international client protection benchmarks. She has also provided financial literacy support to microfinance and other sectors. She has experience in microfinance research, publishing as part of various research and design teams on topics such as financial inclusion and education via G2P payment programs, issues around female microfinance clients, social policy mapping, and outreach mapping and analysis. Ms Ali holds a Master’s in Development Studies from the School of Oriental and African Studies (SOAS), University of London.

Weselina Angelow is the World Savings and Retail Banking Institute (WSBI)’s Programme Manager for its global programme on making small scale savings work for poor people. In recent years her focus has been on understanding what makes the poor and unbanked use accounts when these are offered through a variety of network channels set up by WSBI member banks. Ms Angelow holds a diploma in Economics from Bonn University and an Executive Master’s in Responsible Banking from IEB, LSE and WSBI.

Bob Annibale leads Citi’s partnerships with global, national and local organizations to support inclusive finance and community development through economic empowerment, focusing on responsible and accessible finance; financial coaching and asset building; neighborhood preservation and revitalization; access to college education; and small business and micro-enterprise development. He also leads Citi’s commercial relationships with microfinance financial institutions, corporations, investors and municipalities, working across Citi’s businesses and geographies to expand access to financial services in underserved communities. Since joining Citi in 1982, Mr Annibale has held a number of senior regional and global treasury, risk and corporate positions in Athens, Bahrain, Nairobi, London and New York City. He is a member of the Policy Committee of the Centre for the Study of African Economies at the University of Oxford and represents Citi on the boards of the Microfinance Information Exchange, the Center for Financial Services Innovation, the US FDIC Advisory Committee on Economic Inclusion, and the Citi Foundation. In 2014, Mr Annibale was honored as a White House Champion of Change for his work leading Citi’s programs promoting immigrant integration and citizenship in the US. Also in 2014, he was named by the Financial Times as one of the OUTStanding Top 100 LGBT Business Leaders. Mr Annibale holds a BA in History and Political Science from Vassar College, New York, and an MA in African Studies (History) from the University of London’s School of Oriental and African Studies.

Celine Awuor has been a Project Officer at Consumer Information Network (CIN) since 2009, working on consumer protection in financial services, education and sustainable consumption. CIN is a national consumers’ organisation registered in Kenya in 1994 with the aim of protecting consumer rights and promoting consumer responsibility through policy lobbying and advocacy on consumer issues as well as consumer education and awareness. CIN is a member of Consumers International (CI); the world federation of consumer rights groups. Ms Awuor also participates as an expert in an ISO Working Group developing international standards on mobile payments. These standards promote consumer protection mechanisms such as fair contract terms, quality of services, transparency of charges, clarification of liability, complaints mechanisms and dispute resolution, across the whole area of mobile payments, including P2P, P2B, mobile apps, and other products and services.

Maha Bahou is Executive Manager of Payment Systems and Domestic Banking Operations at the Central Bank of Jordan. She has worked at the Central Bank in various roles for 27 years, with most of her experience in the Treasury Department. Before assuming her current position in 2011, she spent a year as a Senior Consultant for Philadelphia Consulting in Libya. She has also provided training in cooperation with Philadelphia Consulting, the Institute of Banking Studies, the Central Bank of Jordan, and Injaz, an NGO. Ms Bahou has also lectured at the University of Jordan.

Hemant Baijal is a Senior Business Leader, Global Public Policy at MasterCard. In this role he provides support to MasterCard regions and product groups on key policy issues related to national payment systems and financial inclusion. Previously he was a Senior Payments Specialist at the World Bank where he was responsible for leading the efforts to develop international guidelines for government payments as well as development payment policy frameworks for retail payments and mobile money services.

In her current role as Director of the Smart Campaign, Isabelle Barrès leads global efforts to keep clients first in microfinance. She is a member of the Center for Financial Inclusion’s management committee and comes to the Smart Campaign with 20 years experience in microfinance and the formal banking sector. From 2007 to 2010, she managed Kiva’s microfinance operations and developed its global strategy to maximize social impact. She helped to create the MIX in 2002, and led its strategic initiatives until 2007. Ms Barrès has been a key contributor to best practice publications on standards and financial performance monitoring, and is a founding member of Women Advancing Microfinance, the only organization for female professionals in microfinance. She holds a bachelor’s degree in Economics from the University of Montréal in Canada, an MBA from McGill University in Canada, and a Postgraduate degree in Development Economics from the Sorbonne University in France.

Kamal Bhattacharya is an IBM Distinguished Engineer and Vice President of IBM Research ­Africa, IBM’s research presence in Africa located in Nairobi and Johannesburg. Researchers at the lab address key challenges of the African continent through commercially viable innovation that impacts people’s lives. The lab is focused on solutions for financial inclusion, education, water, energy, digital urban renewal, healthcare and other topics. Since joining IBM in 1999 Dr Bhattacharya has been working on innovations in the services industry. He has held various technical and management leadership position with a focus on business transformation and IBM’s global outsourcing business. Previously he was the Senior Manager at IBM Research ­ India and before that he lead a team at IBM Watson Research in New York, exploring new ideas in the area of IT Optimization with a focus on data center consolidation and application migration. He started his career at IBM Research working on model­driven business transformation, having previously joined the company as an IT architect at IBM Global Services in Germany. Dr Bhattacharya has received three IBM Outstanding Technical Achievement awards and several IBM Research Division awards for his work. He is an elected member of the IBM Academy of Technology. He holds a PhD in Theoretical Physics from Goettingen University, Germany.

Marike Komen Brady is an independent consultant with over 10 years’ experience in insurance, focusing on financial inclusion. She strives to motivate the insurance industry to serve the unserved and underserved, as well as support institutions and jurisdictions on the design and implementation of regulatory frameworks that enhance inclusion. Until recently, Ms Brady was Executive Director of the Access to Insurance Initiative (A2ii), assisting insurance supervisors with the implementation of global standards and strategies enhancing broader access to insurance products for the poor. She gained five years of insurance industry experience at the American Council of Life Insurance (ACLI) in Washington DC, as a senior director assisting global companies with international trade and regulatory issues. Ms Brady started her career at the Netherlands Central Bank (DNB), as a policy advisor for pensions and insurance, focusing on international and cross­sectoral topics. She also served as Deputy Head of Public Diplomacy and Press at the Netherlands Embassy in Washington DC, where she was responsible for activities related to managing the reputation of the Netherlands in the US. Ms Brady is a lawyer by training, specialized in European public law and international human rights.

Tillman Bruett has 20 years of experience in commercial banking, microfinance, and financial inclusion. He is currently the Programme Manager of Mobile Money for the Poor at UNCDF, an initiative to make mobile and branchless financial services available to low income and rural households in the LDCs. He joined the UNCDF in 2008 to start the Pacific Financial Inclusion Programme. Mr Bruett co­founded Alternative Credit Technologies in 2000, a consulting company specializing in building inclusive financial systems. He also facilitated SEEP’s financial services working group for four years, taught regularly at Georgetown University and was an adjunct professor at Johns Hopkins SAIS. Earlier in his career Mr Bruett was a banker, working as a credit analyst and client manager with Chemical Bank’s international division in New York in the 1990s. In 1996 he joined FINCA International where he helped to start, monitor and assess FINCA’s microfinance institutions. While he was there he also managed a global credit and guarantee facility.

mercyMercy Buku is currently practising as an AML/CFT (anti­money laundering/combating the financing of terrorism) Legal Consultant in the mobile payments and banking sector, and is also a Consultant with CGAP in Digital Financial Services. Ms Buku has over 25 years’ experience as a legal and compliance practitioner in the financial services sector. She has previously worked as Head of Legal and Compliance in various banks in Kenya, and more recently as Senior Manager, Money Laundering Reporting Office at Safaricom Ltd, the leading mobile telephone network and mobile money service provider, where she was responsible for overseeing the Anti­Money Laundering Function for M­pesa and related financial services. Ms Buku has extensive experience as a trainer and consultant in Compliance and Anti­Money Laundering in the mobile payments and banking sector. She has contributed articles to the University of Washington Law Journal and the the Association of Certified Anti­Money Laundering Specialists magazine. She has also undertaken consultancy work in financial inclusion projects for CGAP, Financial Services Volunteer Corps (FSVC), and the GSMA. Ms Buku is an Advocate of the High Court of Kenya, and Commissioner for Oaths and Notary Public, admitted to the Kenyan Bar in 1989. In addition to being a Certified Anti­Money Laundering Specialist, she is also an Associate of the Chartered Institute of Bankers (UK) and is currently pursuing a Master’s degree in Financial Law at the University of London.

Camille Busette joined CGAP in August 2014 as Lead Financial Sector Specialist. Previously, she worked with the Consumer Financial Protection Bureau (CFPB), a US Government financial services regulator, where she served as the agency’s inaugural head of the Office of Financial Education. Prior to her tenure at the CFPB, Ms Busette held executive positions in the private and NGO sector. She served as a Senior Economics Policy Fellow at the Center for American Progress, a Washington DC- based think tank, where she focused on financial opportunities for low­-income populations. Prior to that, she was Vice President of EARN, a leading provider of micro savings services to low­-income families in the US. Ms Busette has also advised the Bank of Jamaica on inclusive mobile banking regulation. Her private sector experience includes roles as the Deputy Director of Government Relations for PayPal, where she managed PayPal’s regulatory advocacy globally; the Head of the Consumer Data Privacy function at Intuit; and the Director of the Consumer and Market Research division at NextCard. Ms Busette is a former Ford Foundation Postdoctoral Research Fellow, and holds a PhD in Political Science from the University of Chicago.

costaArjuna Costa is an Investment Partner at Omidyar Network, where he focuses on the firm’s investments in emerging markets financial services. He leads Omidyar Network’s investments (and has a board role) in a number of innovative financial services companies, including Cignifi, Lenddo, MicroEnsure, Pagatech, RUMA, Segovia Technology and Zoona. He also leads its engagement with several policy and research initiatives, such as AFI Global, GSMA’s Mobile Money for the Unbanked program, and the Better Than Cash Alliance. Before joining Omidyar Network, Mr Costa consulted with Bankable Frontier Associates to the Gates Foundation, analyzing the economics of delivering savings products. Prior to that role, he was a member of the special situations investment practice at The Rohatyn Group, a multi­-billion dollar emerging markets investment firm. In 2003, Mr Costa co- founded Africa International Financial Holdings LLC, a US$115­million private equity fund focused on the turnaround of distressed commercial banks. The fund grew out of advising African governments on the restructuring and privatization of their banking sectors. Mr Costa began his career at Lehman Brothers, where he spent five years in the power and transportation groups. He earned an MBA from Harvard Business School and a BA in Computer Science from Columbia University.

daviesKeith Davies is Chief Financial Officer and a partner at Zoona, a mobile payments business focused on Africa. He currently manages the Finance, Risk, Legal, Compliance and Data Analytics functions at the company. With almost 10 years’ experience in Corporate and Investment Banking and Enterprise System development prior to joining Zoona, his skill­-set and network combine well with the technology­-finance niche the business has created. He holds a strong passion for building data­-driven business solutions. Mr Davies holds an MBA from Oxford University.

dixonJonathan Dixon is Deputy Executive Officer for Insurance at the Financial Services Board (FSB), South Africa. He was appointed to this position by the Minister of Finance in 2008. Prior to joining the FSB, he was Chief Director: Financial Sector Policy at the National Treasury of South Africa. Mr Dixon is an Executive Committee member of the International Association of Insurance Supervisors (IAIS) and the IAIS Regional Co­ordinator for the Sub­Saharan Africa region. He is Chairman of the IAIS Implementation Committee. He also serves as Chairman of the Governing Body of the Access to Insurance Initiative (A2II), a joint initiative of the IAIS and the Microinsurance Network aimed at strengthening insurance supervision in emerging and developing markets. Mr Dixon is a Chartered Financial Analyst (CFA). He holds an MSc in Economics from the London School of Economics and a BBusSci, Economics Honours, from the University of Cape Town.

Susanne Dorasil is Head of the Economic Policy, Financial Sector Division at the German Federal Ministry for Economic Cooperation and Development (BMZ). She is currently serving as German co-facilitator of Sub–group on SME Finance of the G20 Global Partnership for Financial Inclusion (GPFI) and is a member of the G20 Inclusive Business Steering Committee. Ms Dorasil was formerly Deputy Head of the Central Africa, West Africa II, Madagascar Division at the BMZ; Senior Advisor to the German Executive Director at the World Bank Group; Private Secretary to the Permanent State Secretary of the BMZ; and Deputy Head of the Legal Division. She studied Law at the Free University of Berlin and holds a Master of Laws degree from King’s College London. She passed her bar examination in Berlin.

DufloAnnie Duflo is responsible for overseeing day­-to­-day operations and the implementation of Innovations for Poverty Actions (IPA)’s strategic plan. Previously, she served as IPA’s Research Director where she managed IPA’s research network, staff capacity­-building, and new project development. She also played a key role in the scaling up of successful programs, with a particular focus on education. Ms Duflo has a wealth of experience implementing and managing randomized experiments in the field. Prior to joining IPA, she was Executive Director of the Centre for Microfinance (CMF) at the Institute for Financial Management and Research (IFMR) in Chennai, India, which she joined at its creation. She has also served as a Consultant for the World Bank and the Government of India on the role of NGOs and MFIs in implementing a new health insurance scheme for poor households. Ms Duflo holds a Master of Public Administration and International Development degree from Harvard University’s Kennedy School of Government, a Diplôme d’études approfondies (Master) in Social Sciences from EHESS (Ecole des Hautes Etudes en Sciences Sociales)/ ENS (Ecole Normale Supérieure) in Paris, as well two BA degrees, one in German Studies and one in Philosophy from University Paris X.

Ian Estrada provides vision and leadership to BPI Globe BanKO’s Consumer Lending Business. He and his team are responsible for building a profitable, financially inclusive consumer loan portfolio at scale over the next five years. His work involves over US$9 million in capital expenditure, four new business units, the transformation of customer experience across all major units over the next three years, and executive decisions that support management’s aggressive five­year growth roadmap. He believes that the combination of telecommunications (mobile, broadband, network, distribution, etc), data science and advanced analytics, technology, and a strong partner ecosystem provides an advantage to solving the digital credit puzzle. Previously, Mr Estrada was a senior member of Globe Telecom’s corporate strategy team.

Véronique Faber is Executive Director of the Microinsurance Network, the only global platform for microinsurance experts and from related fields; Vice President of the Inclusive Finance Network Luxembourg (InFiNe.lu); and member of the Board of Cercle.lu, a platform for non­profits and NGOs in Luxembourg. Before being appointed as Executive Director of the Microinsurance Network, Ms Faber worked as Programme Manager at Luxembourg­based NGO ADA. During her nine years at ADA, she coordinated the Microinsurance Network for four years while ADA held the secretariat, and also coordinated partnerships and set up the activities of the Microfact Performance Management initiative. Ms Faber has a MPhi. in Social Anthropology and African Studies and worked for many years as a manager in the software industry.

forionoAlexandra Fiorillo is a financial inclusion specialist who uses behavioral science and human­ centered design approaches to conduct research and design, develop and market products and services for the Base of the Pyramid. She currently consults for CGAP on a range of consumer protection and client centric initiatives and is also Founder and CEO of GRID Impact, a collective of independent consultants committed to social innovation and impact in the international development space. Ms Fiorillo has spent her career working with social enterprises, financial institutions, policymakers and governments in emerging markets to improve access and quality of services for low­ income populations. Prior to GRID Impact, she served as Vice President at ideas42, leading behavioral design and economic development projects for nonprofit, social enterprise and public sector clients globally, and as the COO of MicroFinance Transparency. She was a Fulbright Scholar in Ecuador and co­-founder of Pockets of Change, a nonprofit focused on literacy and library services in East Africa. Ms Fiorillo earned her Master’s in Development Economics from Columbia University and holds a Bachelor’s in Economics and Latin American studies from Connecticut College.

Greg Fischer is a Lecturer at the London School of Economics and co­director for the Firms Programme at the International Growth Centre with a focus on entrepreneurship. Much of his research is coordinated through Innovations for Poverty Action, the Abdul Latif Jameel Poverty Action Lab, or the International Growth Centre, three organizations working to reduce poverty and encourage growth by ensuring that policy is based on scientific evidence. Dr Fischer’s research focuses on combining economic theory, field experiments, and more traditional empirical analysis to understand how economic development works and how it can work better. Most of his work is in less developed countries and centers on entrepreneurship, access to finance and how firms function.

gattiGigi Gatti is Grameen Foundation USA’s Director for Asia and concurrently the Country Director for the Philippines. She leads Digital Financial Services initiatives in Asia, facilitates strategic partnerships for program implementation and provides oversight on program deliverables. Ms Gatti has over 20 years experience in the IT, banking, insurance and microfinance industries. Previous positions include Vice President at BPI Globe BanKO, Technical Program Officer at Grameen Foundation USA, National Officer at the Asian Development Bank, and Professor at the Graduate School of Business of De La Salle University in Manila. She holds an MBA and a BS in Computer Science from the De La Salle University, and a Certified Microfinance Expert certificate from the Frankfurt School of Finance and Management, Germany. She is also a Certified Information Systems Auditor with ISACA, Illinois, USA.

ghoshSamit Ghosh is Founder and Managing Director of Ujjivan Financial Services, the fifth largest microfinance institution in India. Established in 2005, Ujjivan provides financial services through a network of 461 branches to more than 2.6 million urban, semi­-urban and rural customers across 22 states and two union territories ­­ India’s widest MFI footprint. Ujjivan was recognized as the Best Large Microfinance Institution in India in 2011, and ranked among the top 10 companies to work for in India by the Great Place to Work Institute in 2013 and 2014. Mr Ghosh is a former President of the Microfinance Institutions Network (MFIN), the leading association of microfinance institutions in India and recently granted Self­-Regulatory Organization status by the Reserve Bank of India. He is currently a board member at Women’s World Banking, New York and is also Chairman of the Association of Karnataka Microfinance Institutions. Before establishing Ujjivan, Mr Ghosh was an international banker for 30 years. He spent the bulk of his career with Citibank, which he joined in 1975. He has also worked at Arab Bank, Bank Muscat, Standard Chartered Bank and HDFC Bank. Mr Ghosh has an MBA from Wharton Business School, University of Pennsylvania.

giffordKaren Gifford is Special Advisor for Global Regulatory Affairs at Ripple Labs. Previously, Ms Gifford worked as an attorney in the private sector and at the Federal Reserve Bank of New York, where she was Counsel and Officer in the Litigation and Enforcement Group. Her work at the New York Fed included the successful defense of a claim by the Central Bank of Iran arising out of the hostage crisis for over US$1 billion, and co-­heading an investigation into misconduct in the sales and trading of complex leveraged derivatives at Bankers Trust. Later, she was a Senior Director at Promontory Financial Group, where she advised global banks and financial companies on regulatory issues and conducted investigations. She holds a JD from Yale Law School and an AB from Vassar College.

Anna Gincherman is responsible for the identification and roll­out of innovative microfinance products tailored to the needs of low income women. She leads Women’s World Banking’s thought leadership on the delivery of gender­sensitive financial products and has extensive experience in individual and rural lending; adult and youth savings; health insurance; and financial education. Before this Ms Gincherman led the institution’s formalization practice. She has in­depth knowledge of key issues in microfinance and banking regulation in countries across the world. Additionally, she led the organization’s expansion in the Middle East and North Africa, and Eastern Europe, and served as the Relationship Manager for these regions. Prior to joining Women’s World Banking, Ms Gincherman worked for the Council on Economic Priorities and the United Nations, focusing on defense  conversion programs in Eastern Europe. She holds a Bachelor’s degree in International Politics and Economics from Middlebury College and a Master’s in Public Affairs from the University of Pennsylvania.

Xavier Gine is a Lead Economist in the Finance and Private Sector Development Team of the Development Research Group at the World Bank. Since joining the World Bank, his research has focused on access to financial services and rural financial markets. In recent papers he investigated the impact of microfinance services such as business training and financial literacy; microinsurance; microsavings; and the impact of financial disclosure regulation. Prior to joining the World Bank, Mr. Gine was a postdoctoral fellow and lecturer at the Economic Growth Center at Yale University. He holds a BA in Economics from Universitat Pompeu Fabra in Spain, and an MA and PhD in Economics from the University of Chicago.

Jessica Goldberg is an Assistant Professor of Economics at the University of Maryland. Her research focuses on the ways that people in developing countries earn, spend, and save money. She is particularly interested in how financial market imperfections, behavioural factors, and other obstacles to borrowing and saving may distort decisions about working and consuming. Currently, she is working on field experiments about labour supply, time preferences, and savings decisions in Malawi; the effect of social pressure on consumption and savings in Malawi and Uganda; and the role of incentives in outreach to treat communicable disease in India. Dr Goldberg holds a PhD in Economics and Public Policy from the University of Michigan, an MPA from Princeton University, and a BA in Economics and Political Science from Stanford University.

Jorge Torres Góngora has worked as a consultant on public finance, public administration and institutional relations for 15 years. He has served as an advisor to the Chamber of Deputies of H. Congress, local governments and private companies such as PwC. Recently he was a financial advisor to the Director General of the Federal Electricity Commission. He has also served as a lecturer in financial and administrative issues in various academic, political and social forums. He holds a Bachelor’s degree in Economics and a Master’s degree in Public Policy and Administration. He completed his academic training with a Diploma in Communication Policy and Economic Regulation.

gradyRos Grady is a Senior Financial Specialist in the World Bank’s Responsible Financial Access team, part of the Finance & Markets Global Practice. She has over 30 years of deep private and public sector experience in international financial sector legal and regulatory systems and related product design and policy reform initiatives, with a particular focus on financial consumer protection issues and financial inclusion strategies and programs. She has led projects in a diverse range of emerging and developing economies including Indonesia, Rwanda, Vietnam, Mozambique, Zimbabwe and South Africa. Ms Grady’s professional experience has been gained as a banking and finance regulatory partner and a member of the senior management team at the global law firm King & Wood Mallesons, as a commercial law policy specialist with the Australian Government, as an independent senior legal consultant in developing countries, and as the Conjoint Professor and CEO of the Centre for International Finance and Regulation. She has also held the position of Adjunct Professor of Law at Sydney University. Ms Grady has qualifications in Law and Economics as well as a Master of Public Administration degree from Harvard University.

Mete Guney is General Manager for South Eastern Europe at MasterCard. Before this he was an account manager and contributed to the growth of MasterCard across the region.He joined MasterCard in 2005 as a product sales specialist, supporting customers in Southern Europe to develop new consumer credit products and improve performance of existing portfolios. Prior to MasterCard, Mr Guney worked as a management consultant in various parts of the world and accumulated six years of experience in strategic planning and customer relations in a wide range of industries covering financial services, pharmaceuticals and telecommunication. Mr Guney holds a double major degree in Industrial and Civil Engineering from Boğaziçi University. He continued his education at INSEAD, France to study for a MBA where his focus was on marketing, particularly marketing of pharmaceutical products.

Cheryl Harrison has been the Head of the Innovations team since its inception in World Food Program Kenya in 2010. The Innovations team has introduced key cost­effectiveness initiatives in Kenya, such as biometric ID checks during food distribution in the refugee camps, cash for assets, emergency cash transfers, cash transfers to schools, and a centralized beneficiary helpline to improve accountability to affected populations. The team’s 2015 work plan includes cash vouchers in the refugee camps, and strategic alignment of WFP’s programmes with the national safety net system. Ms Harrison came to Kenya to launch WFP’s market access programme for small holder farmers in 2008. Prior to that, she worked in the Results Based Management Division and the Gender Service in WFP’s headquarters in Rome. Before joining WFP in 2003, Ms Harrison was a lecturer in Women’s Studies at the University of Victoria.

hillebrandGail Hillebrand serves as the Associate Director for Consumer Education and Engagement at the US Government’s Consumer Financial Protection Bureau. The CFPB’s mission is to help consumer financial markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. The Division of Consumer Education and Engagement is comprised of six offices, which address Financial Education, Consumer Engagement, Servicemember Affairs, the Financial Protection of Older Americans, Financial Empowerment, and Students, including the Student Loan Ombudsman. Ms Hillebrand previously served as the Financial Services Campaign Manager and a Senior Attorney at the West Coast Office of Consumers Union, nonprofit publisher of Consumer Reports magazine. She clerked for the Honorable Robert Boochever of the Ninth Circuit of US Court of Appeals and practiced law with the San Francisco office of McCutchen, Doyle, Brown & Enersen. Ms Hillebrand holds a BA in Economics from the University of California at San Diego, and a JD from the Boalt Hall School of Law, University of California at Berkeley.

Matt Homer leads USAID’s Digital Finance team’s policy and partnerships activities as well as its financial inclusion investments in India. He was previously a member of the US Federal Deposit Insurance Corporation (FDIC)’s consumer protection policy staff where he focused on mobile financial services, emerging payments technology, and financial inclusion. Prior to that, he worked for Deloitte Consulting, where he engaged regulators and financial institutions on matters related to financial regulatory reform. He received his Master of Public Policy degree with an emphasis on International Global Affairs from the Harvard Kennedy School.

Stefan Hunt is the Head of Behavioural Economics and Data Science, a unit he founded, at the Financial Conduct Authority. The team supports the policy, competition, supervisory and enforcement functions and is responsible for the FCA’s pioneering behavioural work. Previously Mr Hunt was a strategy consultant for retail financial services in the UK and throughout Asia. He has co-authored numerous publications, including a framework for applying behavioural insights, the results of randomized controlled trials to test policy (including a trial on redress), and cutting-edge econometric analysis of large data sets. He recently designed and implemented price regulation for payday loans, the first time a usury law has been set through rigorous empirical assessment. Mr Hunt has a PhD from Harvard University and a Master’s from London School of Economics, both in Economics, and Bachelor’s from Cambridge University in Mathematics and Experimental Psychology.

Jimmy Izu has worked at the Banking, Insurance Administration and Private Pension Fund of Peru (SBS) since 1998. Since 2012, he has been the Head of the Regulatory Department, responsible for coordinating the design of the regulatory framework applicable to companies supervised by the SBS (banking, microfinance, insurance, pension funds), which includes issues of prudential regulation, such as financial inclusion. He has been involved in projects related to the implementation of international standards (Basel), capital requirements, risk management, market exit, microcredit, electronic money, banking agents and consumer protection. Mr Izu has a degree in Economics from the Pontificia Universidad Catolica del Peru, a Master’s in Public Administration from Columbia University,USA, a Master’s in Finance from the University of the Pacific (Peru) and a Master’s in International Economic Law from the Pontificia Universidad Catolica del Peru. In addition, he has served as a consultant for the World Bank on financial inclusion and has taught university courses in Peru on Economics, Finance and Financial Regulation.

William Jack is a Professor of Economics at Georgetown University, and Co­Founder and Co­Director of gui2de, the Georgetown University Initiative on Innovation, Development and Evaluation, which conducts empirical field­based research to assess the impact and effectiveness of development interventions. Previously he held positions on the Joint Committee on Taxation of the US Congress, the International Monetary Fund (IMF), the Australian National University, and the University of Sydney. Prof Jack holds a BSc in Mathematics and Physics from the University of Western Australia, and an MPhil and DPhil in Economics from Oxford University, where he was a Rhodes Scholar.

jenikIvo Jenik is a Financial Consumer Protection Expert at the World Bank focused on the design of legal and regulatory frameworks for financial consumer protection and supervision, including complaints handling mechanisms, alternative dispute resolution schemes, responsible lending and risk­-based supervision. Among recent projects, he has played a key advising role in Azerbaijan, Indonesia, Rwanda and Zambia. Before joining the World Bank, Mr Jenik served as Head of the Collective Investment Department of the Czech Republic’s Financial Arbitrator and was responsible for investigation of consumer disputes in collective investments and payment services. He is a former representative of the Czech Republic to FIN­NET (a European financial dispute resolution framework). During 2010­2011 he was Deputy Chairman of the Ethics Committee of the Association of Financial Intermediaries and Financial Advisors of the Czech Republic. Mr Jenik has an LLM from Columbia Law School in New York.

Dean Karlan is Professor of Economics at Yale University and President and Founder of Innovations for Poverty Action (IPA). His research focuses on microeconomic issues of public policies and poverty. Much of his work uses behavioral economics insights and approaches to examine economic and policy issues relevant to developing countries as well as to domestic charitable fundraising and political participation. He is a graduate of the University of Chicago’s Harris Graduate School of Public Policy and Graduate School of Business. He received his PhD in 2002 from the Massachusetts Institute of Technology. He was a recipient of the National Science Foundation CAREER Award, the Presidential Early Career Award for Scientists and Engineers (PECASE), and the Alfred P. Sloan Research Fellowship. Dr Dean is also a research fellow at the Abdul Latif Jameel Poverty Action Lab and the Bureau for Research and Economic Analysis of Development.

Alex Kayayo has been with PostBank Uganda since 2008. He is a seasoned banker with vast experience and exposure in global markets, risk management and credit.

April 18, 2008, Washington, D.C.:CGAP Staff Portraits for web.Antonique Koning works as Financial Sector Specialist with CGAP’s Customers at the Center Initiative on customer empowerment. She has been at CGAP since 2004. In the last few years, she has focused on issues related to responsible finance and is a member of the Social Performance Task Force Steering Committee. She has also worked closely with donors and investors to help them improve the quality of their funding for financial inclusion. Ms Koning has led CGAP’s Africa team and coordinated CGAP’s regional representatives in Africa, Asia and Eastern Europe, and Central Asia. She has also managed the Microfinance Framework Program, a capacity­-building program for microfinance actors in sub­-Saharan Africa, the Caribbean and the Pacific. Before joining CGAP, Ms Koning worked with the World Savings Banks Institute and set up a microfinance institution in El Salvador. She has a Master’s degree in International Trade Management and Policy from the University of Birmingham, and a Master’s degree in Applied Economics from the Katholieke Universiteit Leuven.

Argwings Koyoson is General Manager of the Legal, Risk and Compliance Resolution Group at Airtel Money Africa. During his four years with Airtel Africa’s mobile commerce unit, he has set up risk and compliance functions across 17 countries. Mr Koyoson has a total of 23 years’ work experience in the financial sector. Previous to Airtel, he spent five years in commercial banking, and 14 years in the Central Bank of Kenya’s Bank Supervision and Risk Management departments, where he was responsible for the formulation and review of regulatory prudential guidelines, risk management guidelines, oversight of onsite bank examinations and risk assessment, and analysis of license applications for financial institutions. Mr Koyoson holds a degree in Economics and an MBA in Strategic Management. He is a member of the Kenya Institute of Bankers, and an Associate of the London Chartered Institute of Bankers (ACIB).

KULAKOGLUAysen Kulakoglu is currently Head of Department for Bilateral Economic Relations and Coordination at Turkey’s Undersecretariat of Treasury. She is also Co­Chair of the G20’s Global Partnership for Financial Inclusion (GPFI) Troika, and Co­Chair of the GPFI’s SME Finance sub­group. Ms Kulakoglu started her career with the Treasury and served in several departments at the General Directorate of Foreign Economic Relations, dealing with issues related to the International Monetary Fund (IMF), the European Bank for Reconstruction and Development (EBRD), the Asian Development Bank (ADB) and the Organisation for Economic Cooperation and Development (OECD). She also served as the Economic Counselor at the Turkish Embassy in Washington DC. She was most recently Head of Department for World Bank Projects at the Treasury. Ms Kulakoglu holds a BA in Economics from Ankara University, and an MA in Economics from Michigan State University, US.

James Kynge is Emerging Markets Editor and Associate Editor at the Financial Times. He is also Editor of beyondbrics, the FT’s emerging economies blog. Previously, Mr Kynge was Chairman of FT Confidential, the Financial Times’ premium research services on China, Southeast Asia and Latin America. A recipient of several journalism awards, Mr Kynge has been a correspondent based in Japan, China, Taiwan, Malaysia, Singapore, Russia, former Soviet Central Asia and Hong Kong over the past 28 years. He was the FT’s China Bureau Chief for seven years until 2005 and later headed up the Pearson Group of companies’ business operations in China. He was also President of FTChinese.com, the FT’s Chinese language website. His prize­winning book China Shakes the World was an international bestseller, translated into 19 languages

Andrew Lake is a Principal Operations Officer in IFC’s Digital Financial Services Practice. Prior to joining IFC, he co­owned and ran a management consultancy, which specialized in mobile and electronic banking. Before entering the consulting environment, he started and managed two full commercial mobile banking operations, one in South Africa (MTN Banking) and one in Bahrain (MODE, known as Zain Me2U). He took both of these organizations from concept to the end of their first year of trading. In addition to these two, Mr Lake has supported the development and improvement of processes of a number of other electronic banking service companies in various countries. He firmly believes that electronic banking is a sustainable mechanism to expand the reach of responsible banking to the unbanked, in a manner that is beneficial to both the new clients and the enterprises delivering the services. He holds a Bachelor of Commerce degree in Accountancy, Information Systems and Quantitative Management from the University of South Africa.

leftleyRichard Leftley began working in microinsurance in 2002 when he joined Opportunity International, a leading microfinance provider. He pioneered the introduction of insurance products within the Opportunity Network, which led to the establishment of MicroEnsure in 2006. A leading insurance intermediary for the mass market, MicroEnsure provides life, health and weather index insurance to over 15 million people in 16 countries in Africa and Asia. In 2007, MicroEnsure was awarded a US$24.3m grant from the Bill and Melinda Gates Foundation to expand its pioneering microinsurance services and experiment with a wider range of distribution channels. Mr Leftley also served on the steering committee of the International Labor Organization (ILO) “Micro Insurance Innovation Fund”, a US$35m fund provided by the Gates Foundation. He is currently a member of the Micro Insurance Network Board. Before joining Opportunity International, Mr Leftley worked as a reinsurance broker at Benfield Greig (now Aon Benfield), focusing on Africa, the Middle East and Southeast Asia.

Chen LongChen Long is the Chief Strategy Officer of Ant Financial Services Group, a subsidiary of Alibaba Group. He was previously Professor of Finance at Cheung Kong Graduate School of Business, with research specialities in empirical asset pricing and asset pricing theory, corporate financing and payout decisions. He was also the Associate Dean of CKGSB’s DBA Program and Alumni Affairs, and Director of the Asset Valuation Center and Internet­-Big data­-Finance Center. From 2001 to 2008, Dr Chen was Assistant Professor of Finance at Michigan State University, where he received an Excellence in Teaching award. He currently serves as a referee at numerous finance journals, including the Journal of Finance, Review of Financial Studies, and Journal of Money, Credit and Banking. Dr Chen’s business exposure includes two years working in an import and export corporation in China and one year as a professional trader in the commodity futures market. He received his PhD in Finance from the University of Toronto.

lordkipanTamara Lordkipanidze has more than 16 years’ experience in social, economic and financial issues in more than 30 countries. She is a founder of Merani Consulting, an independent company focused on project management, program evaluation, financial services, competition and regulatory issues, consumer protection and financial literacy, investment, and development ­­ including in the energy and water sectors. Donors and international agencies that Ms Lordkipanidze has worked with include the World Bank; the Russian Ministry of Finance; the UK Department of International Development and Foreign Office; the Dutch Ministry of Foreign Affairs; the development agencies of Denmark, Sweden, Norway, Switzerland, Germany and Canada; the European Commission; the Eurasia Foundation; the Open Society Institute; and various UK trusts. Ms Lordkipanidze specializes in economic development and financial analysis of institutional, competition, regulatory and public policy issues. She has extensive experience in the areas of financial education and financial literacy, in the UK, Russia, Scandinavia and elsewhere. Her roles have included Chief Executive Officer of Lambeth Savings and Credit Union, a financial cooperative with more than 3,000 members. In 1998­1999, Ms Lordkipanidze served on the Advisory Board for consumer protection in Georgia, personally appointed by President Shevardnadze. Ms Lordkipanidze has Master’s degrees in Economics and Financial Administration.

Tim Lyman joined CGAP in 2005 to lead the Government and Policy Team as Senior Policy Adviser. In this capacity, he focuses primarily on regulatory and supervisory issues in financial inclusion. He is a co­author of CGAP’s Guide to Regulation and Supervision of Microfinance and began the group’s pioneering Focus Notes series on branchless banking regulation. He also leads CGAP’s work to incorporate consideration of financial inclusion in the work of the global financial sector standard- setting bodies, including as lead Implementing Partner on the workstream of the G20 Global Partnership for Financial Inclusion focused on the standard setters. He co­chaired the Basel Committee’s Microfinance Workstream, which led to the publication in August of 2010 of Microfinance Activities and the Core Principles for Effective Banking Supervision – the Basel Committee’s first ever guidance on a financial inclusion topic. He currently serves as Vice Chair of the Financial Inclusion Workstream of the Basel Consultative Group. For much of Mr Lyman’s career he worked as a Partner in the law firm of Day, Berry & Howard (now Day Pitney) and served as President of the Day, Berry & Howard Foundation. He holds a Bachelor’s degree from Harvard University and a Law degree from New York University School of Law.

macmilllanGraham Macmillan is Director of Corporate Citizenship Partnerships at Citi and a Senior Program Officer at the Citi Foundation. He develops and leads partnerships that enhance Citi’s reputation by working with internal and external business partners to drive social and economic impact. For the Citi Foundation, he designs and makes grant investments in program initiatives that advance the Citi Foundation’s economic progress mission. Mr Macmillan joined the Citi Foundation in 2010 as Program Officer for Microfinance and Enterprise Development. Prior to Citi, he was Senior Director of VisionSpring, an award­-winning social enterprise selling consumer products to promote economic development, and a Director of Business Development at Helen Keller International, a leading international non­governmental organization. Mr Macmillan is the 2014 inaugural recipient of the Magis Global Changemaker Award from Santa Clara University. He is a member of the Executive Committee of the Aspen Network for Development Entrepreneurs (ANDE) and was a Term Member of the Council on Foreign Relations. Mr Macmillan received his BA from Colby College, an MSc from NYU Wagner, and an MBA through a joint program at NYU Stern, London School of Economics and HEC Paris School of Management.

Mikhail Mamuta was appointed Head of the Bank of Russia’s Main Department of Microfinance Market and Financial Inclusion in February 2014. Prior to joining the Central Bank, he chaired the Russian Microfinance Center, from 2003 to 2014, and the National Association for Microfinance Market Stakeholders, from 2006 to 2014. From 2012, Mr Mamuta was Vice­President for Finance at the All­Russian SME Association. Since 2014, he has also chaired the Digital Financial Services Working Group at the Alliance for Financial Inclusion (AFI). A graduate of Voronezh State University specializing in Nanotechnology, with a second degree in Finance and Banking, Mr Mamuta has a Master’s degree in Physics and a PhD in Economics. He completed the Boulder Microfinance Training Program in 2007.

MangeshoElinami Mangesho is M­Commerce Head of Compliance at Airtel Tanzania. Between 2011 and 2015, he served as M­Commerce Senior Compliance Manager. Before joining Airtel Tanzania in 2011, Mr Mangesho was Head of Compliance, Operational Risk and Financial Crime at Barclays Bank Tanzania. He also has nine years of experience with Deloitte & Touche as an auditor. Mr Mangesho is a Certified Public Accountant CPA (T) and a member of the National Board of Accountants and Auditors (NBAA). He holds an Advanced Diploma in Certified Accountancy (ADCA) from Mzumbe University.

mckeeKate McKee joined CGAP in 2006, leading CGAP’s research, writing, and policy advisory work on consumer protection, including analysis of policy/regulatory/supervision options for market conduct regulation in low­access markets. She also leads CGAP’s work on responsible finance. This includes work with the Smart Campaign to develop consensus industry standards for improved client protection, as well as an initiative to ensure that responsible finance considerations are integrated in investor processes. Other CGAP work has focused on savings and the role of government in financial inclusion. From 1998 to 2006, Ms McKee directed the Microenterprise Development Office at the US Agency for International Development (USAID), leading support to USAID overseas programs that invest over US$200 million annually in more than 70 countries. From 1986 to 1998, she was a senior manager with Self­Help in North Carolina, the largest Community Development Financial Institution (CDFI) in the US. She led the start­up of a government fund to invest in CDFIs and provide incentives for mainstream financial institutions to boost community development lending. She also worked for the Ford Foundation in New York and West Africa. Ms McKee is a development economist with a Master’s degree from Princeton University.

messyFlore­-Anne Messy is Deputy Head of the Financial Affairs Division of the Directorate for Financial and Enterprise Affairs at the Organisation for Economic Co­operation and Development (OECD). She is, in particular, responsible for the OECD financial education project and is the Executive Secretary of the International Network on Financial Education (INFE) and its dedicated website, the OECD International Gateway for Financial Education (www.financial­education.org). Ms Messy joined the OECD in June 2000 originally to work on and develop the activities of the Secretariat for the Insurance and Private Pensions Committee. As such, she was in charge of a series of projects in the financial sector including the governance of insurers, the financial management of large­-scale catastrophes, work related to ageing and insurance, private financing of health care, and the coverage of medical malpractice. Prior to this Ms Messy worked at Deloitte and Touche Tomatsu Audit Paris, in the insurance and banking field. She graduated from the Institute of Political Studies of Paris and received her thesis in international economies from University Pantheon­Sorbonne.

Norbert Mumba has more than 25 years of senior management experience in Zambia, including 19 years at the Bank of Zambia (BOZ) — a member institution of AFI — where he held numerous positions such as Assistant Director of Regulatory Policy, Licensing and Liquidations, and Director of Bank Supervision. Mr Mumba has been a member of several technical committees aimed at reforms of the banking sector at national, regional and international levels. At the Bank, Mr Mumba also served as liaison with AFI. He actively participated in financial inclusion meetings and activities, and worked to ensure BOZ assumed a strong role in the Network. He was a member and Co­Chair of the Financial Inclusion Data Working Group (FIDWG) that developed the Financial Inclusion Core Set Indicators and participated in peer review programs. Mr. Mumba holds an MBA from Heriot Watt University, a Post Graduate Diploma in Business Administration from Coventry University, and a Bachelor of Laws Degree from the University of Zambia. He is also an International Labor Organization certified trainer for the Female and Male Operated Enterprises (FAMOS) Check, and an Institute of Directors of Zambia (IODZ) certified Trainer in Good Corporate Governance. Prior to his appointment with AFI, Mr. Mumba had been contracted by BOZ to facilitate FAMOS Check Audits in selected commercial banks in Zambia to assess the level and quality of access to financial services by Female and Male Operated Small Enterprises.

Josephat Mutepfa is the Deputy Director, Financial Markets, in charge of National Payment Systems, at the Reserve Bank of Zimbabwe. He has over 20 years’ banking experience. His areas of responsibility include administration of ZETSS (the Zimbabwean real-­time gross settlements system) and the Central Securities Depository system, as well as ensuring effective oversight of the national payment system, electronic money issues, risk management, and payment systems development. Acting as the payment systems country leader for Zimbabwe, Mr Mutepfa has been involved in the Southern African Development Community (SADC) and Common Market for Eastern and Southern Africa (COMESA) regional integration projects since 2000. He has also presented various papers on payment systems at local, regional and international fora. Mr Mutepfa has MBA and Business degrees, among other qualifications focused on Finance, Business Management and Humanities.

ndungProf Njuguna S. Ndung’u is an Associate Professor of Economics at the University of Nairobi. He served as Governor of the Central Bank of Kenya from March 2007 to March 2015 ­­ the first Kenyan Central Bank governor to complete two four­-year terms since a law on tenure was instituted in 1982. Prior to the Central Bank, Prof Ndung’u was Director of Training at the African Economic Research Consortium (AERC). A long­time researcher with AERC, he has published articles in international journals and books on inflation, exchange rates, economic growth, and poverty reduction. Prof Ndung’u previously worked as Regional Programme Officer for the Eastern and Southern Africa Regional Office of the International Development Research Centre (IDRC). He also worked with the Kenya Institute of Public Policy Research and Analysis (KIPPRA), a government think­tank, as a Principal Analyst/Researcher and Head of the Macroeconomic and Economic Modeling Division. From 2009 to 2012, Prof Ndung’u was the founding chair of the Steering Committee of the Alliance for Financial Inclusion (AFI). He also chaired the African Mobile Phone Financial Services Policy Initiative (AMPI), a sub­network of AFI. In 2014, Emerging Markets magazine voted him Central Bank Governor of the Year for Sub­Saharan Africa, and in 2015, African Banker recognized him as Central Bank Governor of the Year. Prof Ndung’u holds a PhD in Economics from Gothenburg University, Sweden, as well as a BA and MA in Economics from the University of Nairobi.

James Onyutta has 13 years of multinational experience in microfinance. He joined Musoni Kenya Limited in 2013 as the Chief Executive Officer. He was previously the Chief Financial Officer of FINCA Uganda Limited, a deposit­taking institution with over 100,000 clients, an asset base of over US$ 25 million and 750 staff. He has also led the external fundraising and strategic planning for FINCA Uganda.

Lory Camba Opem leads responsible finance initiatives at IFC’s Financial Institutions Group. She launched the Responsible Finance Forum online platform, to foster collaborative solutions among private and public sectors committed to scaling financial inclusion and responsible digital finance. Ms Camba Opem has over 18 years of private and financial sector expertise, covering operations, strategy, portfolio management and results measurement. Advisory and investment projects include microfinance green­fields in Afghanistan, Tajikistan, Africa Region; SME banking projects in China and Africa; responsible finance assessments in Asia, Africa and LAC. Prior to joining IFC, she was at PwC management consulting, International Privatization Group for East Asia & Pacific. At the Economic Policy Institute, she conducted research and data analytics to develop US policies in poverty, education, labor, trade and employment issues. She holds dual Bachelor’s degrees in Economics and Political Science (International Affairs, with Honors), and a Master’s degree in International Development and Finance.

Peace Osangir is a finance and risk management professional with over eight years of experience working in the financial services industry in Kenya and the US. As a finance manager working for a Fortune 500 company in New York, Ms Osangir was mainly focused on driving long­-range planning and strategic business analysis, in addition to propagating effective transfer pricing strategies across the US, Latin America, EMEA and Asia Pacific. Her current focus, in her role as a Financial Risk Manager at Commercial Bank of Africa, is to drive financial inclusion by promoting access to financial services for the unbanked/underbanked populations in Kenya and Tanzania. Specifically, she spearheads the development of micro credit decisioning models (credit scoring algorithms and limit assignment models) that optimise the risk reward trade­offs of the offering, in addition to providing guidance to the business on effective investment management and optimisation strategies.

Peter van Oudheusden is a consultant in the Finance and Private Research Team of the Development and Research Group at the World Bank Group. His research interests includes public finance and development economics, with the focus on access to finance. He holds a PhD in Economics from Tilburg University, The Netherlands.

John Owens is an attorney, consultant, board member and senior advisor with more than 27 years of experience in inclusive financial services, with a focus on digital financial services and payments. He is currently the Chief of Party for the USAID E­PESO project in the Philippines and most recently worked with more than 125 regulators and policy makers from 96 countries with the Alliance for Financial Inclusion (AFI). In this role he provided support to the Digital Financial Services Working Group, the African Mobile Phone Financial Services Policy Initiative, and represented AFI on the G20 Global Policy for Financial Inclusion subgroup on Markets and Payments Systems. He has written and lectured on various aspects of digital financial services, financial inclusion, and policy and regulatory environment. He holds a J.D. in Law from Notre Dame Law School.

Leon Perlman is a specialist consultant on digital financial services, emerging payments, mHealth, mAgriculture, big data, and crypto­currencies, concentrating on commercial, technical and regulatory aspects of these ecosystems. A former scientist and successful entrepreneur, he has been in the telecommunications and micro­payments industry since the mid 1990s. He has a wide range of experience in developed and developing markets, and is currently the legal and regulatory functional expert for the IFC on the Tanzanian MFS interoperability project. Mr Perlman was the Founder and elected Chairman for ten years of WASPA, the mobile industry association in South Africa, and also held chairmanship of the International Audiotext Regulators Association. A recipient of numerous grants, he holds the following degrees: BSc, BSc (Hons), MSc, BProc (Law), LLB, and LLD. His doctoral thesis was the first legal and regulatory treatise in the world on mobile financial services.He is currently an affiliate research fellow at CITI at Columbia University Business School in New York, exploring the regulatory, disruptive and commercial aspects of DFS, emerging payments, big data, and the crypto­economy.

Beth Porter has over two decades of experience in financial inclusion across Africa, Asia and Latin America. At the United Nations Capital Development Fund (UNCDF), she provides policy guidance on financial inclusion, particularly to advance responsible finance, promote access to vulnerable groups including women and youth, and support the transition of payments from cash to electronic. She is also a Policy Advisor for the Better Than Cash Alliance. Previously, Ms Porter directed an initiative at Making Cents to build institutional capabilities in youth­inclusive financial services. As Vice President of Freedom from Hunger, she led program strategy and managed delivery of integrated microfinance services worldwide. She has also provided training in strategic planning, organizational effectiveness, and product design, and conducted program appraisal, design and evaluation. Ms Porter is on the boards of the SMART Campaign, Child and Youth Finance International, and CRECER, a Bolivian microfinance institution. She holds a Master’s degree from Johns Hopkins School of Advanced International Studies and a Bachelor’s degree from Stanford University.

Xavier Reille joined IFC in 2011 to lead its Financial Market advisory program in the Arab world and he now heads IFC’s consulting practice for financial institutions in EMENA. Mr Reille has had senior positions in the World Bank Group since 1999. He established the CGAP Microfinance Gateway and the Microfinance Information eXchange, managed the G8 access to finance program for MENA from 2005 to 2008 and led CGAP technology programs from 2000 to 2005. Before joining the World Bank Group, Mr Reille set up several investment funds in South East Asia. He also worked for SIDI (International Solidarity for Development and Investment), a venture capital company focusing on SMEs. Mr Reille has been a board member of several banks and investment companies in emerging markets. He has authored over 20 publications on access to finance. He graduated from École Nationale Supérieure des Industries Agricoles et Alimentaires (ENSIA) in France, and has completed a banking certificate.

Pedro Xavier Faz de Los Santos leads CGAP’s Digital Finance Frontiers initiative, a global effort seeking to expand the application of leading edge technologies in financial services to serve lower-income segments. Mr Faz has contributed to CGAP’s work on technology and business model innovation and led some of the organization’s early exploratory investments in this field. He also manages CGAP’s regional agenda in Latin America and the Caribbean. Previous to CGAP, Mr Faz was Vice President of Strategic Planning for a development bank in Mexico, leading the development of technology infrastructure for the microfinance sector and the broader retail payments industry. He also worked with McKinsey & Company, a global consulting firm, advising private sector organizations on technology, business strategy and innovation. Mr Faz holds a Master’s degree in Computer Science from Stanford University and an Engineering degree from the Instituto Tecnológico de Monterrey, Mexico.

Beniamino Savonitto directs IPA’s Financial Inclusion Program, overseeing a portfolio of research initiatives and randomized evaluations to find effective solutions to help the poor manage and grow their money. Most recently Mr Savonitto managed the Financial Capability Initiative and managed several research and policy efforts in financial inclusion. He managed and helped design several randomized evaluations of financial services and technology projects in sub­Saharan Africa and Latin America. He holds an MA from the School of Advanced International Studies at Johns Hopkins University and a Bachelor’s degree in Political Science from LUISS University in Rome.

schlienMichael Schlein is President and CEO of Accion, a global nonprofit dedicated to building a financially inclusive world. Accion has helped build 65 microfinance institutions in 32 countries, which provide millions of clients with financial tools that help them improve their lives. Accion also provides venture capital to new companies that promote disruptive innovation in financial services at the base of the pyramid, and works to promote industry­-wide solutions to industry­wide challenges. The Center for Financial Inclusion at Accion’s Smart Campaign is the first global consumer protection campaign for those living in poverty. Mr Schlein also serves on the Microfinance CEO Working Group, which brings together the CEOs of the leading international organizations that promote microfinance to support the development of the industry at large and advocate for responsible microfinance standards. Previously, Mr Schlein served as President of Citigroup’s International Franchise Management. Prior to that, he ran Citigroup’s communications, philanthropy, government relations, branding and human resources. He served as Chief of Staff at the US Securities and Exchange Commission under President Clinton, and with New York City Mayors Dinkins and Koch. In 2014, Mayor Bill de Blasio appointed him Chairman of the NYC Economic Development Corporation.

Manoj K. Sharma is MicroSave’s Managing Director for Asia and has been working in the field of development finance for more than 20 years. At MicroSave, an advisory and consulting company working in the field of financial inclusion, Mr Sharma manages the Asia- Pacific region. He has extensive experience in the field of financial inclusion, utilising agent based outreach channels, and has also been supporting the move towards digitisation of government benefits and direct cash transfer. Prior to MicroSave, Mr Sharma worked with a development financial institution in India, namely the Small Industries Development Bank of India. At MicroSave, his interest lies in financial inclusion, more specifically in the development of innovative products and in technology­based delivery channels to enable financial services to be sustainably delivered to low income segments.

George B. Sije is a Legal Counsel for the National Payment Systems Directorate at the Bank of Tanzania. He is also an Assistant Manager responsible for Oversight and Policy for the National Payment Systems at the Bank of Tanzania. A practising lawyer, he has over ten years’ experience in the oversight of national payment systems. He has been part of the team involved with development of the legal and regulatory framework for national payment systems both in Tanzania and within the East African region. An avid financial inclusion enthusiast, Mr Sije has served as the Chairperson of the AFI – Mobile Financial Services (MFS) Working Group (2012­2014), having been involved with financial inclusion issues since 2009. As a member of the working group, he has participated in the development of various AFI guideline notes such as MFS terms and definitions, cross border remittances through mobile phones, and oversight and supervision of MFS.

Kusumaningtuti Sandriharmy Soetiono is a Member of the Board of Commissioners of the Indonesia Financial Services Authority (OJK). She began her career in 1980 in the Credit Planning and Supervision Department of Bank Indonesia, and went on to hold a number of senior positions in the central bank, including Deputy Director of the Legal Directorate, Director of the International Affairs Directorate; Director of the Centre of Education and Study (2006­2007), and Director of the Directorate of Human Resources (2007­2010). In 2010, Dr Soetiono was appointed Head of the Representative Office of Bank Indonesia in New York, serving until July 2012, when she was appointed to her current role with the OJK, sworn in by the Chief Justice of the Indonesian Supreme Court for the term 2012­2017. Born in London, Dr Soetiono holds a Bachelor’s degree in Law from the University of Indonesia, and an LLM degree and PhD from Washington College of Law, American University.

John Staley is a specialist in implementing cost­effective ICT solutions, John Staley worked as the Chief Executive Officer of Credit Indemnity (Pty) Ltd in South Africa before joining Equity Bank. He has been actively involved in the use of mobile phones to provide financial services since 1998. He has an Msc in Applied and Computational Mathematics and a Bsc in Physics. He also holds a Bachelor of Commerce degree and is a qualified Chartered Accountant.

steinPeer Stein is Director in the Finance and Markets Global Practice of the World Bank Group, a position he assumed in July 2014. In this role, he is responsible for the global solutions of the Practice’s financial, advisory and convening services, including financial sector reform and policy, financial infrastructure and access, and finance for development. Before that, he was responsible for IFC’s Access to Finance Advisory Business Line, a position he held since 2009. Mr Stein has been leading the World Bank Group’s engagement with the G20 on financial inclusion and is the current chair of the World Economic Forum’s Global Agenda Council on the Future of Finance. He joined IFC in 1996, and has worked in Asia, Africa, Latin America, the Middle East and Eastern Europe on both the investment and advisory sides of the organization. Prior to IFC, Mr Stein worked in Germany as a management consultant in enterprise restructuring and as a partner in a strategic market research firm covering Eastern Europe. He holds a Master’s degree in Business Administration and Economics from Witten/Herdecke University, and has been teaching financial sector reform and development at Johns Hopkins University’s School of Advanced International Studies.

Tavneet Suri is an Associate Professor of Applied Economics at the MIT Sloan School of Management. She is a development economist, with a regional focus on sub­Saharan Africa. Her research centers on agriculture, household financial access and informal risk sharing, and, more recently, governance and political participation. A large body of her work focuses on the constraints of technology adoption in agriculture. She has also conducted research on the impact of mobile money, for example M­PESA in Kenya, and applications of the mobile money platform for credit contracts, such as trade credit and credit for solar panels. Her most recent work has focused on governance issues in the Kibera slum in Nairobi and a large scale field experiment she conducted in Kenya during the 2013 general election. She is the Scientific Director for Africa for J­PAL; a Faculty Research Fellow at the National Bureau of Economic Research; an affiliate of BREAD and CEPR; and co­director of the Agriculture Research Program at the International Growth Center. Dr Suri holds a BA in Economics from Trinity College, Cambridge University, as well as an MA in International and Developent Economics, an MPhil in Economics, and a PhD from Yale University.

As Head of Mobile Financial Services, Ruan Swanepoel manages the development and support of mobile payments and mobile financial products and services for Tigo Pesa in Tanzania. Aside from managing P&L responsibilities he also drives innovation, working to increase the adoption of mobile money and contributing to the goal of achieving financial inclusion in the developing markets. During his career Mr Swanepoel has held various roles within the telecommunications and financial services sector. Prior to joining Millicom Tanzania he worked with several telecommunication service providers in East and Sub Saharan Africa on both mobile and mobile financial services strategies, having previously held key management positions in commercial roles and worked as a consultant to the financial services sector in East Africa.

Francis Kariuki Wang’ombe was appointed Director General of the Competition Authority of Kenya in January 2013. His main interests are in competition regulation and the economics of institutional development. He has also has been focusing on the impact of budget constraints on agencies’ investigative processes and HR policy. He is also well known, nationally and internationally, for his advocacy initiatives, geared towards entrenching competition in various sectors of the economy and boosting regional trade. Mr Kariuki is a founder Member and the current Chairman of the African Competition Forum,‘a network of African competition authorities that seeks to promote the adoption of competition principles in the implementation of national and regional economic policies. Mr Kariuki has an MSc in Economic Regulation and Competition from City University, London; a BA in Economics & Business Studies from Kenyatta University, and various certificates in Strategic Leadership and Corporate Governance.

zimmermanJamie M. Zimmerman is a global expert and leading voice on financial inclusion and asset­-building, having launched, led and advised dozens of initiatives aimed at advancing and stimulating new thinking and innovations in policy and practice towards global poverty reduction. As an independent consultant, she has most recently helped launch the Responsible Digital Finance initiative at CGAP. As Senior Associate for Bankable Frontier Associates, she has led a variety of digital payments innovations assignments for such clients as CGAP, the Better Than Cash Alliance, and the World Food Program. Over the last 10 years, Ms Zimmerman has researched, published and presented extensively and globally on a wide variety of topics including social protection payments policy, the shift to cash­-lite in emerging economies, and for development partners, child and youth financial inclusion, financial inclusion of the poor, asset building, and the role of technology in accelerating global poverty reduction via improved payment systems. Prior to consulting, she directed the Global Assets Program at the New America Foundation, a US­based non­partisan think tank, and was Deputy Director of Globalization Studies at the Kenan Institute of Private Enterprise at the University of North Carolina at Chapel Hill, where she authored, with Susan Aaronson, Trade Imbalance: The Struggle to Weigh Human Rights Concerns in Trade Policymaking.

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