Responsible Finance Forum VI Evidence and Innovation for Scaling Inclusive Digital Finance 7-9 September 2015 Antalya, Turkey Organized by: Supported by: Managed by: BIOGRAPHIES Rohit Acharya certifications. Sonia is fluent in English and Spanish and has Chief Data Scientist professional working proficiency in French and Portuguese. First Access Sule Alan Rohit Acharya is the Chief Data Scientist at Professor First Access, a data analytics company that University of Essex combines financial and mobile data to reliably predict credit risk for borrowers in Sule Alan is a full time faculty member at the informal markets and make financial University of Essex in the UK. Her field of products more affordable. His group builds expertise falls in areas of microeconomics and implements credit models, develops data-driven insights and household finance. She has published about banking operations, and advises financial institutions on articles on consumption and saving both business strategy and product development. Prior to decisions, subprime credit markets and joining First Access, Mr Acharya worked at Bridgewater household portfolio allocation in top international journals. Her Associates, the world’s largest hedge fund in terms of assets research to date has been supported by SSHRC (Canada), under management, where he was responsible for portfolio TUBITAK (Turkey), ESRC (UK) and British Academy (UK). She assessment, trade oversight, and risk management. Prior to is currently working on policy-relevant issues surrounding Bridgewater, he worked as a consultant at Oliver Wyman financial decision-making and education. Prof Alan received a specializing in the financial sector. At Oliver Wyman Financial doctoral degree from McMaster University, Canada in 2002. Services, he advised retail banks and insurance companies on She completed postdoctoral study at the University of engagements focusing on loan origination and underwriting, Copenhagen before joining York University in Toronto. In 2006, mortgage delinquency, and new financial product she joined the Faculty of Economics at the University of development. Mr Acharya holds a BA in Applied Mathematics Cambridge as an Assistant Professor. In 2011 she moved to and Economics from Harvard University and is a Chartered Koc University Turkey. She moved back to the UK in 2013. Financial Analyst. During her tenure in Cambridge, Prof Alan founded and led the household finance sector at the Center for Financial Analysis Sonia Arenaza and Policy (CFAP). Digital Finance Specialist Better Than Cash Alliance Khadija Ali Social Associate Sonia Arenaza is a Digital Finance Specialist Pakistan Microfinance Network with the Better Than Cash Alliance (BTCA). Sonia supports the development of inclusive Khadija Ali oversees the social responsibility technology-led business models and the portfolio at Pakistan Microfinance Network, shift to digital payments in order to drive including the Social Performance, Client inclusive growth. She also designs, Protection and Financial Education implements, and monitors on digital Initiatives. She works on strategy payment services to the BTCA’s worldwide country members. development for these initiatives and also Sonia has experience working in more than thirty five manages day-to-day activities. As part of her work as a Social countries across Africa, Asia, and Latin America. She has Responsibility Analyst, Ms Ali has undertaken projects to worked as a Global Director of Channels and Technology with promote stronger monitoring of microfinance providers Accion International where she provided advisory services in against international client protection benchmarks. She has digital financial services and due diligence to Accion’s partners also provided financial literacy support to microfinance and engaged in micro and small enterprise financial activities, Accion’s global entrepreneurial investment fund, and other sectors. She has experience in microfinance research, companies that drive innovation in emerging technologies. publishing as part of various research and design teams on Sonia also has worked as a telecom and regulator advisor for topics such as financial inclusion and education via G2P the United Nations International Telecommunications Union payment programs, issues around female microfinance clients, where she analyzed regulatory and policy issues on the social policy mapping, and outreach mapping and analysis. Ms intersection of telecommunications and development; Ali holds a Master’s in Development Studies from the School facilitated collaboration among stakeholders on internet of Oriental and African Studies (SOAS), University of London. policy; and researched on the use of technologies to deliver financial services. Before, she worked as a Strategic Planning Manager at the General Secretariat of the Andean Community. She began her career working for five years for a private management-consulting firm in Peru.. Sonia has a bachelor’s degree in computer science from National Engineering University of Peru and master’s degree in international relations, business, and public administration from Syracuse University. She also holds Project Management Professional (PMP) and Technology Services Management (ITIL) EVIDENCE AND INNOVATION FOR SCALING INCLUSIVE DIGITAL FINANCE Settor Amediku OUTStanding Top 100 LGBT Business Leaders. Mr Annibale Deputy Director, Banking Services & Payment holds a BA in History and Political Science from Vassar College, New York, and an MA in African Studies (History) from Systems Oversight the University of London’s School of Oriental and African Bank of Ghana Studies. Settor Amediku has vast experience as a Celine Awuor banking regulator and supervisor, having worked at the Bank of Ghana since 1996. He Project Officer graduated from the University of Glasgow, Consumers International, Kenya UK, and has written extensively on financial services issues. Celine Awuor has been a Project Officer at Consumer Information Network (CIN) since Weselina Angelow 2009, working on consumer protection in financial services, education and sustainable Programme Manager consumption. CIN is a national consumers’ World Savings and Retail Banking Institute (WSBI) organisation registered in Kenya in 1994 with the aim of protecting consumer rights and promoting Weselina Angelow is the World Savings and consumer responsibility through policy lobbying and advocacy Retail Banking Institute (WSBI)’s Programme on consumer issues as well as consumer education and Manager for its global program on how to awareness. CIN is a member of Consumers International (CI); make small-scale savings work for poor the world federation of consumer rights groups. Ms Awuor people. In recent years, her focus has been also participates as an expert in an ISO Working Group on understanding how and why the poor and developing international standards on mobile payments. These unbanked use accounts when these are offered through a standards promote consumer protection mechanisms such as variety of network channels set up by WSBI member banks. fair contract terms, quality of services, transparency of Ms Angelow holds a diploma in Economics from Bonn charges, clarification of liability, complaints mechanisms and University and an Executive Master’s in Responsible Banking dispute resolution, across the whole area of mobile payments, from IEB, LSE and WSBI. including P2P, P2B, mobile apps, and other products and services. Robert Annibale Global Director Maha Bahou Citi Community Development and Citi Inclusive Executive Manager, Domestic Payments & Banking Finance Operations Central Bank of Jordan Bob Annibale leads Citi’s partnerships with global, national and local organizations to Maha Bahou is Executive Manager of support inclusive finance and community Payment Systems and Domestic Banking development through economic Operations at the Central Bank of Jordan. empowerment, focusing on responsible and She has worked at the Central Bank in accessible finance; financial coaching and various roles for 27 years, with most of her asset building; neighborhood preservation and revitalization; experience in the Treasury Department. access to college education; and small business and Before assuming her current position in 2011, she spent a year microenterprise development. He also leads Citi’s commercial as a Senior Consultant for Philadelphia Consulting in Libya. relationships with microfinance financial institutions, She has also provided training in cooperation with Philadelphia corporations, investors and municipalities, working across Consulting, the Institute of Banking Studies, the Central Bank Citi’s businesses and geographies to expand access to of Jordan, and Injaz, an NGO. Ms Bahou has also lectured at financial services in underserved communities. Since joining the University of Jordan. 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