Citi-FT Financial Education Summit 2013
Featured speakers include:

Leonard Cheng
Investor Education Centre
and Non-Executive Director
Securities and Futures Commission, Hong Kong

Leonard K Cheng is President of Lingnan University in
Hong Kong, a Non-Executive Director of the Securities and Futures Commission (SFC), Chairman of the SFC’s Investor Education Centre, and a member of the Competition Commission and Economic Development Commission of the HKSAR Government. Prior to joining Lingnan University in September 2013, he served as Dean of the School of Business and Management of the Hong Kong University of Science and Technology (HKUST) from 2009 to 2013. After teaching at the University of Florida for 12 years, Professor Cheng joined HKUST in 1992 as one of the founding members of the University, where he served as Head of Economics, Associate Dean, and Director of PhD and MBA programmes of the HKUST Business School. The School launched the first inter-continental joint EMBA programme in Asia with the Kellogg School of Management in 1997 -- the programme was ranked the best in the world by the Financial Times for four consecutive years from 2009 to 2012. The School’s own full-time MBA programme was ranked by the FT among the world’s top 10 from 2010 to 2013. Prof Cheng’s research interests include applied game theory, market structure, currency crisis, international trade and investment, technological innovation and imitation, and China’s inward and outward foreign direct investment. He has published papers in many leading academic journals in economics, and has served as an associate editor of the Journal of International Economics and Pacific Economic Review. Prof Cheng has been an adviser to many organisations locally and regionally, including the Broadcasting Authority (later part of the Communications Authority) and the Provisional Minimum Wage Commission of the HKSAR Government. He graduated with a first-class honours Bachelor of Social Sciences degree in Economics from the Chinese University of Hong Kong, and was awarded an MA and a PhD in Economics by the University of California, Berkeley.

Deepali Pant Joshi
Executive Director
Reserve Bank of India

Deepali Pant Joshi is an Executive Director of the Reserve Bank of India (RBI). She is in charge of the Rural Planning & Credit Department and the Customer Service Department, and is the alternate Appellate Authority under the Right to Information Act at the RBI. Dr Pant Joshi is a development economist with a Doctorate from the University of Allahabad and Law and Management degrees. She is a fellow of the Harvard University Asia Centre. Dr Pant Joshi has served the Reserve Bank of India for a little more than three decades. She has had a rich and varied professional career, serving in offices of the Bank across India and holding a number of senior positions, including Regional Director for Rajasthan at the RBI Jaipur Office; Chief General Manager-in-Charge of the Rural Planning & Credit Department; Chief General Manager of the RBI Regional Office at Hyderabad; Ombudsman for the State of Andhra Pradesh; and Principal, Bankers Training College, Mumbai. She was a nominee Director on the Board of Andhra Bank and of several regional rural banks. At present, she is the RBI nominee on the Governing Council of the Institute of Banking Personnel Selection. Dr Pant Joshi has written and lectured extensively both in India and abroad. She is the India Expert on the Financial Inclusion Expert Group of the G-20.

Kusumaningtuti Soetiono
Commissioner in Charge of Education and Consumer Protection
Financial Services Authority, Indonesia

Kusumaningtuti Sandriharmy Soetiono is the Member of the Board of Commissioners of the Indonesia Financial Services Authority in charge of Financial Education and Consumer Protection. 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 Acting Director of the Legal Directorate (2001-2003), Director of the Foreign Affairs Directorate (2003-2006); Director of the Centre of Central Banking Research and Studies (2006-2007), and Director of the Directorate of Human Resources (2007-2010). In 2010, Dr Soetiono was appointed Head of the Representative Office of Bank Indonesia in New York, serving until July 2012, when she was was appointed to her current role with the Financial Services Authority by the Chief Justice of the Indonesian Supreme Court for the term 2012-2017. Born in London, UK, Dr Soetiono holds a Law degree from the University of Indonesia, Jakarta, an LLM degree from from Washington College of Law, American University, US, and a Doctorate of Law from the University of Indonesia.

Annamaria Lusardi
Academic Director, Global Financial Literacy Excellence Center
George Washington University School of Business

Annamaria Lusardi is the Denit Trust Distinguished Scholar and Professor of Economics and Accountancy at the George Washington University School of Business. Previously, she was the Joel Z. and Susan Hyatt Professor of Economics at Dartmouth College, where she taught for 20 years. She has also taught at Princeton University, the University of Chicago Public Policy School, the University of Chicago Booth School of Business, and Columbia Business School. In 2008 she was a visiting scholar at Harvard Business School. She is also the Academic Director of the George Washington University Global Financial Literacy Excellence Center, and the Director of the Financial Literacy Center, a joint Center with Dartmouth College, the Rand Corporation and the Wharton School. Dr Lusardi has won numerous research awards, including a research fellowship from the Irving B. Harris Graduate School of Public Policy Studies at the University of Chicago, a faculty fellowship from the John M. Olin Foundation, a junior and senior faculty fellowship from Dartmouth College, the William E. Odom Visionary Leadership Award from the Jump$tart.

Coalition for Personal Financial Literacy, and the National Numeracy Network’s inaugural 2012 Steen Award. Moreover, she is the recipient of the Fidelity Pyramid Prize, an award given to authors of published applied research that best helps address the goal of improving lifelong financial well-being for Americans. She holds a PhD in Economics from Princeton University.

Guy Stuart
Executive Director
Microfinance Opportunities

Guy Stuart is Executive Director of Microfinance Opportunities (MFO). He provides the strategic vision for the organisation in close collaboration with MFO’s team of dedicated professionals. Dr Stuart has extensive experience conducting research on the financial capabilities of low-income consumers. His research has been published in books, peer reviewed journals, working papers and blogs. Before becoming Executive Director at MFO, Dr Stuart was a Lecturer in Public Policy at the
Harvard Kennedy School, where he taught courses in management and microfinance for 13 years. At the same time he was a Senior Advisor to MFO and served as Principal Investigator on five Financial Diaries studies and as project leader for the development of the Financial Capabilities Index Web Portal. Dr Stuart received his PhD from the University of Chicago, and is currently a Fellow at the Ash Center, Harvard University.

Tim Cooper
Research Director

Tim Cooper leads InterMedia Research and Consulting Europe, providing research and evaluation to support global development. He has specialist knowledge of designing and implementing rigorous, innovative and culturally sensitive research methodologies in Africa and
South Asia. He co-leads InterMedia’s Financial Inclusion Insight Program, bringing demand-side data and insight to support the expansion of digital financial access. Before joining InterMedia, Mr Cooper led on behalf of BBC Media Action the research and evaluation strategy for English in Action, an initiative to engage more than 25 million Bangladeshis in English language learning through a combination of TV, internet and mobile phone-based entertainment and language learning. He also has a deep understanding of media-related behaviour change theory in the fields of livelihoods and health and has designed quantitative models that isolate the effect of multimedia exposure and engagement on behaviour change goals.

Paul J Davies
Asian Financial Correspondent
Financial Times

Paul J Davies was appointed the Financial Times’ Asia Financial Correspondent, based in Hong Kong, in January 2012, covering mergers & acquisitions and financial stories in Asia. Previous to that, he held a variety of roles at the FT in London. Most recently he spent two and a half years as the Insurance Correspondent, writing in depth about the industry and leading coverage of Prudential's ill-fated bid for AIA.

Prior to that, Mr Davies was Deputy Capital Markets Editor for four years, writing about credit derivatives, securitisation, and debt markets broadly. In this position, he played a leading role in the FT's reporting on the events leading up to and throughout the two years of financial meltdown between 2007 and 2009. He has written working papers for academic publications on the credit crisis and has spoken on markets and insurance at commercial and academic conferences. Before joining the FT 12 years ago, he worked in national newspapers in Australia. Mr Davies studied Philosophy, Politics and Economics at the University of East Anglia in Norwich, UK.

Anamitra Deb
Senior Manager
Omidyar Network

Anamitra Deb is a Senior Manager in the intellectual capital unit at Omidyar Network, which focuses on research and analysis to help the firm and others in the field direct resources to efforts with the potential for scale and social impact. Mr Deb’s work spans the firm's global initiative areas, including financial inclusion, as well as broader trends and developments in philanthropy and impact investing. Previously, Mr Deb was an Associate Partner at Monitor Group (now Monitor Deloitte). In 2007, he was a founding member of Monitor Inclusive Markets, a practice focused on catalysing market-based approaches to improve the lives and livelihoods of the global poor. He led engagements in financial inclusion and capability, low-income housing, agriculture and livelihoods, healthcare pricing and delivery, and impact investing, for clients such as large foundations and donors, emerging market-oriented corporations and investment funds, in North America, South Asia, MENA and Sub-Saharan Africa. In 2011-12, Mr Deb led a detailed global analysis of the business case for financial education and capability, which involved primary research with more than 100 organisations involved in delivering financial services and/or education to the poor, as well as fieldwork in six countries, and resulted in the publication
Bridging the Gap: The Business Case for Financial Capability. Mr Deb holds two MSc degrees from Oxford University,which he attended as a Rhodes Scholar, and is also a graduate of Mount Allison University, Canada.

Hope Ewing
Senior Director, Asia Pacific & Central Europe, Middle East and Africa

Hope Ewing is Senior Director, Asia Pacific & Central Europe, Middle East and
Africa for Visa. She oversees the company’s extensive financial literacy efforts, working with local teams in nearly 30 markets across the region. Prior to joining Visa, Ms Ewing served in management roles in a number of communications agencies in Asia Pacific and the US.

Winnie Huang
Financial Director, Pearson Education Greater China

Winnie Huang is presently the Finance Director for Pearson Education Greater China. She has been with Pearson since 2009. Prior to her current role, she was Director of Financial Planning and Analysis for Pearson Education Asia Pacific. Before joining Pearson, Ms Huang had extensive experience in consulting and investment banking. She started her career with Arthur Andersen in London, and also worked in M&A with ING Barings. After 13 years in London, she moved to Hong Kong in 2007 and worked as a Case Team Leader with Bain and Company. Ms Huang graduated with a BSc in Economics from the University of Bath, UK. She is a member of the Institute of Chartered Accountants of England and Wales.

Kathy Hurley
Executive Vice President, Education Alliances
Pearson Foundation

Kathy Hurley, Executive Vice President, Education Alliances, for the Pearson Foundation, is a 40-plus year veteran of the education industry. She has been with the Foundation for five years and is a member of the executive team. Ms Hurley’s wealth of knowledge both in publishing and technology has aided the Foundation with its work in promoting literacy and global recognition. She currently serves on several key industry and education advisory boards and has been at the forefront in leading the charge for 21st century skills as Executive Board member and past chairman of the Partnership for 21st Century Skills (P21). She most recently was invited to join the inaugural Advisory Board of the People to People Ambassador Center. Other Advisory Boards include the AEE Center for Digital Learning, the Asia Society Partnership for Global Learning, the SREB/iNACOL National Online Teacher of the Year award programme, and the inaugural Building a Grad Nation Summit Steering Committee. She is the former Chairman of the National School Boards Foundation board. She also sits on the boards of three top education associations dedicated to the use of technology in education – the Consortium for School Networking; the Software and Information Industry Association and the National Coalition for Technology in Education and Training. She was recently re-elected to the board of the Association of Educational Publishers, of which she is past president. Ms Hurley has received various awards for her service to the industry, including the prestigious SIIA Ed Tech Impact Award in 2011. She was inducted into the Association of Educational Publishers Hall of Fame in 2003 for her achievements and service to the education publishing industry. Ms Hurley has served in top executive positions in both publishing and technology companies. She began her career in education working with learning-disabled students, after receiving her Master’s degree from Jersey City State College and her undergraduate education at the University of Dayton, Ohio.

Christine Lam
Country Business Manager
Citibank Global Consumer Banking, Hong Kong and Macau

In her role as Country Business Manager, Christine Lam heads the consumer banking business of Citibank in Hong Kong and
Macau, and is responsible for the growth and development of Citibank’s consumer banking operations for the two markets, covering business segments such as retail banking, investment, insurance, credit cards and consumer lending. Ms Lam joined Citi in 1983 as a Management Associate and since then has held numerous and diverse management positions in Hong Kong and Canada as well as Asia Pacific regional roles. Prior to assuming her current position, she was the Deputy Country Business Manager and Head of Retail Banking, and was responsible for operation of the Citibank branch network and the wealth management business, as well as the management of the client segments of Citibanking, Citigold and Citigold Private Client. In the early 1990s, Ms Lam spearheaded Citi's securities services business ventures in the China B-Share market before she moved on to run the Citi Transaction Services business in Hong Kong. She spent 10 years in the regional management office running CitiService and Quality for the Corporate and Investment Bank in Asia Pacific. She subsequently became the Chief of Staff to the regional CEO of the Corporate and Investment Bank and was Chief Operating Officer for Asia Pacific Corporate and Commercial Banking for five years. Ms Lam holds a LLB (Hons) degree from the University of Leeds in the UK.

Dee Lee
Founder and Director
Inno, China

Dee Lee is Founder and Director of Inno Community Development Organisation, based in Guangzhou, China. Mr Lee established Inno in 2007 to help China's migrant workers assert their rights and build their capacity for wellbeing. Inno has installed hotlines and conducted capacity building in 350 factories involving more than one million workers. In recent years, Mr Lee has focused in particular on improving financial literacy for both migrant workers and the families they leave behind in rural towns and villages, amid evidence that a lack of financial education is threatening the livelihoods of both communities.

Liu Baocheng
Director, Center for International Business Ethics
University of International Business and Economics, Beijing

Professor Liu Baocheng is Founder and Director of the Center for International Business Ethics at the
University of International Business and Economics (UIBE) in Beijing, China. Previously he was the Founder and Dean of the Sino-US School of International Management and the Sino-French School of International Management after serving as the Executive Associate Dean of the International School of Excellence at UIBE. Professor Liu’s areas of research and teaching cover a variety of disciplines including marketing, business ethics, cross-cultural communication and business law, and he has published extensively in the areas of international business, ethics and law. In his current role at the Center for International Business Ethics, his research focus is shifting to the areas of culture, ethics and sustainable development. Professor Liu is a World Economic Forum council member, and also a member of the China Business Ethics Society, the Caux Round Table, the advisory board to the Department of European Affairs under China’s Ministry of Commerce, and the China Social and Economic Council. A current affairs commentator, he regularly voices his opinions on CCTV, BBC, Voice of America and China Radio International. Professor Liu has an MBA and MSc in International Business from Seton Hall University in the US, and a Bachelor’s degree in International Trade and PhD in Law from UIBE.


Weber Lo
Citi Country Officer and CEO
Citi Hong Kong and Macau

Weber Lo is Citi Country Officer and Chief Executive Officer for Citi Hong Kong and
Macau, responsible for all businesses across the Citi franchise in the two markets, including corporate & investment bank, consumer bank, commercial bank, private bank, transaction services, markets & treasury, and investment research & analysis. Before assuming this role, Mr Lo was Country Business Manager for Citibank Global Consumer Banking in Hong Kong and Macau, which covers retail banking, credit cards and small business clients. During the five years of his tenure in this position, the business saw rapid growth and expansion while its branch network doubled and the smart banking concept took shape. Mr Lo joined Citi in 2000 as Head of Citigold, the retail bank’s wealth management business. In 2001, he was appointed Head of Bankcard Marketing and was promoted to Country Marketing Director in 2002, with the added role of Director of Retail Banking from 2003. In 2004, he took up the position of Chief Operating Officer. Mr Lo was named the Promising Young Banker of the Year for Hong Kong by The Asian Banker in 2008. Prior to joining Citi, he held senior positions in Coca-Cola China Ltd and Procter and Gamble (HK) Ltd. Mr Lo is a member of the Board of Directors for China Guangfa Bank in China. He currently serves as a member of the Banking Advisory Committee under the Hong Kong Monetary Authority and the Chairman of the Financial and Treasury Services Committee of the Hong Kong General Chamber of Commerce. Other engagements include being Vice President of the Hong Kong Institute of Bankers, and a member of the Financial Services Advisory Committee of the Hong Kong Trade Development Council. Mr Lo holds a degree in Social Sciences from the University of Hong Kong.

Tania Lozansky
Regional Head of Advisory Services, Asia Pacific

Tania Lozansky is the Regional Head of Advisory Services in Asia and the Pacific for IFC, a member of the World Bank Group with a mission is to promote sustainable private sector development in emerging markets. IFC Advisory Services work with private sector and government clients to promote financial inclusion, improve the investment climate, encourage more sustainable business practices and structure Public Private Partnerships. Prior to moving to Hong Kong, Ms Lozansky was IFC’s Regional Head of Advisory Services in Europe and Central Asia, based in Moscow from 2006 to 2010. Prior to joining IFC, she was a management consultant with the Boston Consulting Group in Europe and with William Kent International in Washington DC, working with clients in the pharmaceutical, telecommunications and FMCG industries primarily in Europe and East Asia. She holds a dual BA in Economics and International Relations from Brown University and an MBA from the Stanford Graduate School of Business.

Graham MacMillan
Senior Program Officer, Financial Inclusion
Citi Foundation

Graham Macmillan is the Senior Program Officer for Financial Inclusion at the Citi Foundation. He is responsible for leading the Foundation’s international portfolio while developing and managing key thought-leadership and innovation investments. Previously, he managed the Foundation's Microfinance and Enterprise Development portfolios. Prior to Citi, Mr Macmillan 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 non-governmental organisation. Mr Macmillan is a member of the Executive Committee of the Aspen Network for Development Entrepreneurs, and is a Term Member of the Council on Foreign Relations. He received his BA from
Colby College, his MSc from NYU Wagner, and his MBA through a joint programme at NYU Stern, London School of Economics and HEC Paris School of Management.

Anthony Nappi
Chief Administrative Officer
Citi Asia Pacific

Anthony Nappi is Managing Director and Chief Administrative Officer for Citi in Asia Pacific, with overall responsibility for the Operations, Technology and functional groups across the region, including Human Resources, CSIS, Corporate and Government Affairs, and Compliance, ensuring they are all aligned to underpin Citi’s strategy and growth plans. Based in
Hong Kong, he reports to Stephen Bird, CEO for Citi in Asia Pacific. Prior to this role, Mr Nappi was Region Head of Citi Transaction Services, a business unit of Citi’s Institutional Clients Group. Under his leadership, Citi Transaction Services was honoured with multiple awards, including The Asset’s “Best Transaction Bank in Asia” in 2012. Mr Nappi’s banking career spans more than 20 years. He started as a management trainee in Citibank in New York, and has served in a number of roles, including business management, financial control, operations, customer service, product management and sales, in New York, Florida, Chicago, Singapore and Hong Kong. Mr Nappi was named The Asset’s “Transaction Banker of the Year” in 2008 and 2011, the only individual to have won this award twice. In 2010, he was co-named AsianInvestor’s Custody Banker of the Year. He was also named on The Asian Banker’s “invitation-only” List of Leading Practitioners for his contribution to the transaction banking industry in Asia Pacific. In 2009, he was included in FinanceAsia’s inaugural list of 50 masters of Asian finance. Mr Nappi holds a BA in Political Science and a Master’s degree in Business Management from the University of South Florida.

David Pilling
Asia Editor
Financial Times

David Pilling is the Financial Times’ Asia Editor, appointed in 2008. He oversees the FT’s coverage of the Asia region from Afghanistan to Australia, including China, India and Japan. In addition to directing the work of regional correspondents, and overseeing the editing and commissioning team in Hong Kong, Mr Pilling writes an award-winning weekly column on Asian business, politics and economics, which appears worldwide. He regularly contributes longer features, including for the Weekend FT, and frequently interviews business and political leaders throughout the region. Mr Pilling joined the FT in 1990 and worked on the international and main news desks in London before being posted to Santiago, Chile in 1993. Between 1994 and 1997, he was based in Buenos Aires, Argentina, before returning to London to become Deputy Editor of the Comment and Analysis Page. Between 1999 and 2002, Mr Pilling was the Global Pharmaceuticals and Biotechnology Correspondent. In 2002, he moved to Japan for a six-year stint as Tokyo Bureau Chief. He has won numerous reporting prizes, most recently for coverage of Japan and China, both individually and as part of FT teams. He was awarded the Best Commentator prize by the Society of Publishers in Asia in both 2011 and 2012. He was also named Best Foreign Commentator for 2011 in the UK’s Editorial Intelligence Comment Awards for coverage of China, Japan and Pakistan. Mr Pilling is an Assistant Editor of the FT. He is the author of
Bending Adversity: Japan and the Art of Survival, to be published by Penguin in January 2014.

Sean Rach
Regional Director, Brand and Corporate Affairs
Prudential Corporation Asia

Sean Rach is Regional Director, Brand and Corporate Affairs, for Prudential Corporation Asia. He joined Prudential Corporation Asia in 2009 and is responsible for integrated marketing solutions for Prudential’s businesses across Asia. He is the creator of Cha-Ching – a financial literacy programme developed with Cartoon Network Asia that helps parents develop money-smart kids. Prior to joining Prudential, he led the regional American Express account at Ogilvy & Mather Asia Pacific and was Managing Director, OgilvyOne Hong Kong. He held several marketing positions with Sprint Communications and Hallmark Cards. Mr Rach is active in the Asian marketing community, having served as the Chairman of the Hong Kong 4As Interactive and Direct Committee (2001-2008) and Mobile Marketing Association Asia Pacific (2009-2010).

He attended the Thunderbird Global School of Business and the United States Naval Academy.

Jasmine Thomas
Program Officer, International Financial Capability & Asset Building
Citi Foundation

Jasmine Thomas is the Program Officer for International Financial Capability & Asset Building as well as Youth Economic Opportunities focus areas at the Citi Foundation. She is responsible for managing global partnerships and overseeing philanthropic investments. Ms Thomas also serves as the Foundation’s regional liaison/coverage officer for Europe, Middle East & Africa, collaborating with Citi’s regional and local public affairs teams to advance community investment priorities that increase economic progress for people and places where Citi has an on-the-ground presence. She previously served as the regional liaison for the Asia Pacific region. Before joining the Citi Foundation, Ms Thomas was the Program Officer for Strong Local Economies at the Surdna Foundation, where she helped design and manage a portfolio aimed at promoting economic opportunity through community, workforce and economic development, as well as asset building programmes. Prior to Surdna, she was a Program Officer at the New York Community Trust, managing a number of grant programmes, including the Hurricane Katrina Relief Fund and the New York City AIDS Fund in partnership with the Council of Fashion Designers of America and Vogue magazine. Ms Thomas is a graduate of the University of Maryland College Park and holds Master’s degrees from both Columbia University and New York University.

Alan Wang
Founder and CEO
Shanghai Better Education Development Center

Alan Wang is the Founder and CEO of the Shanghai Better Education Development Center (Be Better, in short) – the first non-profit organisation in China dedicated to financial education for children and youth. Mr Wang has led a proficient team working on financial education initiatives funded by Citi Foundation (Making $ense of Money, Agent Penny), Visa International, Barclays (an Aflatoun/Aflateen curriculum), GSRD Foundation, Narada Foundation and others. Be Better’s programmes have covered more than 200,000 students in 20 cities over the past four years. Be Better is also becoming the largest non-profit organisation promoting financial literacy and entrepreneurship for children and youth in China. Mr Wang has an MBA degree from Hong Kong University and is studying for a PhD at Soochow University.

Peter Wong
Director, Corporate Relations
Visa China

Peter Wong is Director of Corporate Relations for Visa
China. Working with local government agencies, NGOs and banks, he oversees the company’s financial literacy efforts in the country, including the China Financial Literacy Development Alliance and the first-of-its-kind Financial Literacy Traveling Bus programme.
Prior to joining Visa, Mr Wong served in management roles in communications agencies and media companies in China.

Josh Wright
Executive Director

Josh Wright is an Executive Director at ideas42, with a focus on financial services, economic mobility, 
healthcare, and strategy for the firm. He has extensive experience in the for-profit, non-profit, and public sectors; industry experience in financial services, media and entertainment, housing, and youth development; and functional expertise in business strategy, new business development, and new venture creation. Immediately prior to joining ideas42, Mr Wright headed the Office of Financial Education and Financial Access at the US Treasury Department. Previously, he held positions at the Center for Community Change, and Booz Allen and Hamilton’s Commercial Management Consulting business, and was a Senior Executive at Bertelsmann’s Random House Inc. In addition, Mr Wright served for two terms as an elected City Councilmember for the City of Takoma Park in Maryland. He holds a BA fromWesleyan University and an MBA from the Yale School of Management, with concentrations in Business Strategy and Finance.

Bilal Zia
Economist, Development Economics Research Group
World Bank

Bilal Zia is a Senior Economist in the Research Department at the World Bank in
Washington DC. His research focuses on financial development at the household, firm and bank levels, and his work has appeared in top refereed academic journals. His recent work includes rigorous impact evaluations of financial literacy programmes, testing innovative methods to improve financial access for households and firms, and applying insights from behavioural economics to development finance. Dr Zia holds a PhD in Economics from the Massachusetts Institute of Technology and a BSc (Hons) from the London School of Economics.

Myriam Bartu
Founder and Head of Programs, Enrich
Hong Kong

Myriam Bartu founded Enrich in 2007, building on her experience working with women migrants and ethnic minorities in
Hong Kong, China and the UK. By providing financial literacy, communications and entrepreneurship training, Enrich empowers migrant women to take control of their finances and improve their families' futures. To date, Enrich has run participatory workshops for over 3,000 migrant women in their own languages impacting 15,000 family members across Asia. Ms Bartu also works with Hong Kong-based group a+b=3 to design financial literacy programmes and train trainers for charities and corporate social responsibility programmes. She holds an MA in Chinese Studies from the School of Oriental & African Studies (SOAS) at the University of London.

Ron Bevacqua
Managing Director, PF Technical Advisory Services

Ron Bevacqua is the Managing Director of PF Technical Advisory Services (PFTAS). In that capacity he helps develop and support the delivery of technical assistance activities for microfinance institutions (MFIs) and other microfinance sector stakeholders across South and Southeast Asia. PFTAS is headquartered in Manila and has a permanent presence in CambodiaVietnam and Myanmar
Since its founding in 2009 in Manila, PFTAS has strongly aligned its work with the principles of responsible finance. This means working with its MFIpartners to reach out to underserved markets (specifically farmers and rural households), integrating financial literacy training into MFIs’ service delivery, improving client protection, and supporting MFIs to actively manage their social performance. Mr Bevacqua has worked in banking and financial services in Asia since 1993, and was the Chief Economist for Merrill Lynch Japan. Since 2004 he has also been a Contributing Editor to the Economist Intelligence Unit.

Susana Concordo Harding
Director, International Longevity Centre Singapore
Tsao Foundation

Susana Concordo Harding is the Director of the International Longevity Centre Singapore -- an initiative of the Tsao Foundation, a Singapore-based but regionally-oriented not-for profit foundation dedicated to aged care and ageing issues. Ms Harding has worked with Tsao Foundation for more than 10 years and has successfully developed its financial education programme for mature women. This came to be known as the Citi-Tsao Foundation Financial Education Programme for Mature Women, which started as a pilot project in Singapore and is now being replicated in Indonesia and soon in Hong Kong and Malaysia. She has also played a leadership role in the development of a regional programme on self-care for older people that is being pilot-tested in Singapore until January 2013. Ms Harding has more than 20 years’ experience in social and community development, especially in the areas of programme development, needs assessment, programme implementation, monitoring and evaluation, social policy advocacy and networking. She graduated Cum Laude from the University of Santo Tomas in Manila with a Bachelor of Arts in Economics, and she also has a Master in Public Administration from the Lee Kuan Yew School of Public Policy in Singapore.

Irma Cosico
CEO, ASKI Global Ltd

Irma L. Cosico is Chief Executive Officer of ASKI Global Ltd. She has worked in different capacities in the microfinance industry for almost 15 years. Before joining ASKI Global, she was Managing Director of ABS-CBN Bayan Academy for Social Entrepreneurship & Human Resource Development until March 2010. Prior to that, she headed the Microfinance Operations of ABS-CBN Bayan Foundation from 2003 to 2005 and the Client Services Group from 1999 to 2002. Ms Cosico also served as Consultant to the Asian Development Bank in 2002 where she assisted in the design of the Japan Fund for Poverty Reduction Project’s Philippine Initiatives in Rural Development. In 2006, she was commissioned by HSBC to do a study on Franchising Microfinance. Ms Cosico was one of the pioneers of the Alliance of Philippine Partners in Enterprise Development, a network of Christian-based MFIs. She was seconded as Project Coordinator of the Microfinance Council of the
Philippines. Ms Cosico has a Master of Science degree in Development Communication from the University of the Philippines Los Banos and a Master’s in Public Administration from Carleton University in Ottawa, Canada, as a Canadian International Development Agency scholar. She also holds a Master in Entrepreneurship degree from the Asian Institute of Management.

John DaSilva
Senior Manager, Project Development
Kenan Institute Asia

John DaSilva is a development professional with a unique background covering government, the private sector and civil society. He began his career with the US government in 1996 where he spent seven years representing and advising key members of the US Congress, including oversight responsibility for USAID and the US Small Business Administration. After arriving in Thailand, he accepted a position with a Hong Kong-based human resources consultancy firm, before joining Kenan Institute Asia (K.I.Asia) in 2006 as the Project Development Manager. At K.I.Asia, he is chiefly responsible for designing programming activities in Thailand, Laos, Cambodia and Vietnam for organisations such as USAID, the European Union and New Zealand AID, and for working with corporate clients such as Boeing, Chevron, Citi and Microsoft to design and improve Corporate Social Responsibility programming. He has also developed programming and partnerships between the Thai government, the Laotian Government, the United Nations and the private sector in secondary and vocational education, SME development, civil society capacity-building and sustainable tourism.

Chhavi Ghuliani
Manager, Advisory Services

Chhavi Ghuliani is Manager, Partnership Development and Research, for BSR in
New York. He brings critical leadership to BSR, with a particular emphasis on sustainability in emerging markets. Mr Ghuliani leads BSR’s HERfinance program, a cross-sector initiative that aims to build the financial capability of low-income workers in global supply chains through education and access to appropriate financial services. He manages the programme in India and its expansion to other countries in Asia and Latin America. Prior to joining BSR, Mr Ghuliani worked for a socially responsible investment firm, where he combined financial and environmental, social and governance analysis to make sustainable investment recommendations. He also spent several years as an operations manager for Oracle’s Asia-Pacific and Americas regions, opening a new operation in India. His other experience includes developing a CSR strategy for a spirits company in Mexico, developing sustainability reports for companies in India and Saudi Arabia, and working as a freelance CSR consultant for the Institute of Public Health. Mr Chhavi holds an MBA from the Wharton School of Business and an MA in International Studies from the Lauder Institute of the University of Pennsylvania. He holds a BA in English and Computer Science from Rutgers University.

Koh Noi Keng
Chair, Citi-NIE Financial Literacy Hub, National Institute of Education

Koh Noi Keng is a Senior Lecturer at the National Institute of Education Singapore (NIE), an institute of the Nanyang Technological University (NTU). In her pioneering work based on achieving synergy through partnerships with stakeholders, she has established strong ties with industry and educational institutions to bring about collaborative efforts for the promotion of financial literacy in Singapore. Dr Koh set up and drives the Citi-NIE Financial Literacy Hub for Teachers, funded with a grant from the Citi Foundation. The Hub has empowered 4,000 teachers from 292 schools to infuse financial literacy into their lessons. Research is embedded in all these programmes and evidence-based practices have been presented at conferences and published in journals. As advisor to the 3,000-strong NTU Investment Interactive Club, Dr Koh also helps to build financial capability in youth by organising high-profile finance conferences, stock challenges and national cash flow competitions. She graduated from the National University of Singapore Business School and has a PhD in Learning Environment from Curtin University of Technology in Australia. 

Diane Lam
Assistant Vice President, Corporate Citizenship
Citi Hong Kong

Diane Lam manages Citi Hong Kong’s corporate citizenship programmes, including initiatives on financial education, community development, and the environment. She works closely with charitable organisations on the development, implementation, impact assessment and public visibility of their community programmes. Ms Lam also chairs the Hong Kong Corporate Contributions Committee and often represents the bank at high-profile corporate citizenship events. Prior to joining Citi, she worked in advertising and public relations. Ms Lam holds a BSc in Philosophy and Economics from the London School of Economics and Political Science.

Nina Nayar
Banking with the Poor Network

Nina Nayar is an independent consultant with experience in policy and advocacy, human resource development, institutional development services, strategic planning, product design, social performance management, gender issues and community-based development. Ms Nayar has more than 15 years of consulting experience and has worked in over 30 countries with government agencies, bilateral and multilateral donors, regulated and non-regulated financial service providers, and various international not-for-profit development organisations. She currently serves on the Board of ECLOF International, and is a core consultant for Banking with the Poor Network. Prior to consulting, Ms Nayar served as Chief Executive for the International Network for Alternative Financial Institutions (INAFI) Foundation and as CEO for the South Asian Network for Micro Finance Initiatives (SANMFI). She served as Asia Regional Coordinator/Acting Policy, Impact and Advocacy Coordinator for Women’s World Banking New York. Ms Nayar is currently based in Cochin, India. She holds an MA from the University of Pennsylvania in Regional Studies with a focus on Gender and Development, and a BA in Social and Cultural Anthropology from the University of Virginia.

Katie Nienow
Co-Founder, Juntos Finanzas

Katie Nienow is Co-Founder and Vice President, Business Development at Juntos Finanzas, a Silicon Valley-based group that works with partners worldwide to design and implement empowering personal finance tools for cash-based households. Prior to Juntos, Ms Nienow worked in microfinance, first in field operations, based in Lubumbashi and Kinshasa in DR Congo, and then in development based in the US. Ms Nienow has degrees in Physics and Economics from the University of Virginia.

Ana Pantelic
Project Coordinator, Fundación Capital

Ana Pantelić is the Coordinator of Fundación Capital’s LISTA initiative, which seeks to scale up access to financial education and enhance financial capabilities at the Base of the Pyramid with the use of information and communication technologies. In 2012, her team designed, developed and tested the unique Colombia LISTA tablet-based app, complemented with mobile-based reminders, nudges and incentives, and distributed via the Freeing Financial Education methodology. Given the excellent results of this pilot, the LISTA initiative will soon be expanding to other countries and regions. Ms Pantelić has experience in international development, research and education, and has worked in the US, Spain and Serbia. Prior to joining Fundación Capital, she worked on a USAID local economic development project and with the Center for Environmental Policy and Sustainable Development in Serbia. She is an expert in technology-based solutions for poverty alleviation and is a passionate believer in sustainable development. Ms Pantelić is a PhD candidate in Political Science at the University of Belgrade, holds a Master’s degree in International Relations from Boston University and a Bachelor of Science degree in Communication from the same institution.

Hemanth Paul
Country Director
American India Foundation

Hemanth Paul is the India Country Director for the American India Foundation, based in New Delhi. Dr Paul has extensive experience in the corporate sector with Bausch & Lomb (India, Kuala Lumpur and Hong Kong) and in the development sector at the L.V. Prasad Eye Institute, Hyderabad. At Bausch & Lomb (1994-2009), in the capacity of Head, Professional Services India and South Asia, Business Head (Export Markets) and Director of Professional Services for the Asia Pacific Region, he managed the development of professional education programmes, internal technical training and professional relations in the region. This
included setting up the Bausch & Lomb School of Optometry in Hyderabad in collaboration with the L.V. Prasad Eye Institute and heading Bausch & Lomb’s CSR initiative of setting up and running Cataract Care Centres in underserved parts of India. Dr Paul also served as Director of Research and Development at Bausch & Lomb’s Global Strategy Group. He has an MBBS and MD from the All India Institute of Medical Sciences, as well as a degree in Business Management from the All India Management Association.

Ligwina Poerwo-Hananto
Independent Financial Planner, CEO
QM Financial, Indonesia

Ligwina Poerwo-Hananto
is an independent financial planner based in Jakarta. She is Chief Executive Officer of Quantum Magna Financial (QM Financial), a leading financial planning firm in Indonesia; a columnist in several magazines; and the host of financial planning shows on radio and television. Together with her team at QM Financial, she serves the rapidly growing middle class in Indonesia. The QM Financial team was also recently invited to visit factories across Indonesia -- from Banten, West of Java, to Timika, West of Papua -- to provide financial education to the workers there. In 2010, Ms Poerwo-Hananto was recognised as one of Emerging Leaders of the Region at the Advance Women Summit in Sydney. In 2011, she was awarded an Australian Alumni Award for Entrepreneurship by the Australian Embassy, and in 2012, she received the Women Entrepreneurship Award from Femina, Indonesia’s leading women’s magazine. She has written two books -- Plan Now: 5 Stages to Financial Freedom and For a Stronger Indonesia: 100 Steps Not To Be Poor. Ms Poerwo-Hananto has a Bachelor of Commerce degree from the Curtin University of Technology in Perth, Australia, and an MBA from the IPMI Business School in Jakarta. She is a Certified Financial Planner (CFP), a Certified Wealth Manager (CWM) and an Associate Estate Planning Practitioner (AEPP).

Ronnie Poon
Head of Corporate Action, Securities & Fund Services Operations
Citi Hong Kong

Ronnie Poon is the Head of Corporate Action, Securities & Fund Services Operations of Citi Hong Kong. He manages the daily operations of Corporate Action and Tax Services as part of the Asset Servicing Program for Global and Direct Custody clients. Mr Poon joined Citi Hong Kong in 2006 as a Management Associate and since then has held numerous and diverse positions across broker dealer operations, transfer agency, securities services operations and the Operational & Technology management office. Prior to assuming his current position, he was the Head of Project Office for Securities & Fund Services Operations in
Hong Kong and was responsible for the financials, productivity and re-engineering initiatives and global location strategy. Mr Poon is also actively involved in Citi’s corporate citizenship and community initiatives and currently serves as the committee champion for the Citi Community Club. He holds a BA in International Studies from University of California, Irvine.

Adam Rahman
Head of Public Affairs

Adam Rahman is Managing Director, Corporate Affairs for Citi
Singapore and ASEAN. In this role, he oversees all internal and external communications, reputational risk management and government relations functions. He is also responsible for raising the brand profile of Citi and developing the thought leadership strategy of the firm in Singapore. Mr Rahman also serves on a number of management committees including the Country Management Committee, Country Coordinating Committee and the Country Business Risk and Control Committee. Reporting directly to Citi’s Head of ASEAN and Citi Country Officer for Singapore, he is part of the ASEAN Management Committee. Outside of Citi, Mr Rahman is actively involved in public service. He serves as a District Councillor of the South East Community Development Council (SECDC) of Singapore, which aims to assist the needy and enable greater understanding amongst various communities. He also sits on the Board of the Health Sciences Authority and is on the Advisory Council of the National University of Singapore’s Development Office. Mr Rahman is also a Council Member with the Singapore Institute of International Affairs, an independent think-tank in Singapore. In 2008, he was awarded the Public Service Medal (Pingat Bakti Masyarakat) by the President of the Republic of Singapore as a national recognition of his contributions to the community. Mr Rahman has a Master’s in International Conflict Analysis from the University of Kent in the UK. He also has a Bachelor of Arts degree from the National University of Singapore, majoring in Political Science and Philosophy.

Chetna Gala Sinha
Founder and Chair
Mann Deshi Bank, India

Chetna Gala Sinha works for social change in some of the poorest and most drought-stricken areas of rural
India. An economist, farmer and activist, Ms Sinha is the Founder and current Chair of Mann Deshi Bank, a micro-enterprise development bank whose clients are women with incomes averaging 40 Indian rupees (US$1) per day. The bank has seven branches and over 185,000 clients, and conducts 10,000 transactions a day. Ms Sinha was named Social Entrepreneur of the Year 2013 by Indian Finance Minister Palaniappan Chidambaram. She has also been honoured with the 2005 Jankidevi Bajaj Puraskar award for rural entrepreneurship, awarded lifetime membership with Ashoka Innovators for the Public, and selected for the first class of Yale University’s World Fellows programme. The Reserve Bank of India seeks her advice on financial inclusion and women’s banking.  Ms Chetna promotes a holistic approach to help her clients – one that combines economic activity with the educational tools and healthcare necessary to lead a productive life. Since 2006, she has partnered with global organisations including HSBC, British Asia Trust, Accenture, Clinton Global Initiative, GIZ, Deutsche Bank, Bonita Trust, Commonwealth of Learning and Global Giving to develop corporate community partnership programmes.


Jackie Spencer
Pension and Retirement Strategy Manager, Money Advice Service

Jackie Spencer is the Pension and Retirement Strategy Manager for the
UK’s Money Advice Service. She leads the development of Money Advice Service’s pension and retirement consumer strategies to help everyone make the most of their money. Prior to joining Money Advice Service, Ms Spencer worked for Age Concern Ealing and managed a pre-retirement education project. She has also been a financial planner for a major Canadian bank, worked in India leading a micro-credit project, and taught marketing to college students in Kenya. She is a Certified Financial Planner and holds a Master’s degree in International Finance.

Christopher Tan
Regional CEO, Asia
Grameen Foundation

Christopher (“Happy”) Tan leads and oversees Grameen Foundation’s portfolio and activities across 
Asia. Based in Manila, he also serves as the Foundation’s senior representative in the region. Previously, Mr Tan served as Grameen Foundation's Regional Director for East & Southeast Asia. He has more than 16 years’ experience in development finance, non-profit management and public interest law, having worked for ShoreBank Advisory Services, the Local Initiatives Support Corporation LISC/Chicago) and SALIGAN in the Philippines. He holds an MPP from the University of Chicago and a JD from the Ateneo de Manila University.

Wai-fong Ting
Associate Professor, Department of Applied Social Sciences
Hong Kong Polytechnic University

Wai-fong Ting is an Associate Professor at
Hong Kong Polytechnic University’s Department of Applied Social Sciences. Dr Ting, trained as a social worker, focuses on the development and evaluation of social programmes, and in particular a new model centred on asset-building that aims to improve the livelihoods of underprivileged groups. In 2007, the Tung Wah Group of Hospitals, a local NGO funded by the Citi Foundation and the ZeShan Foundation, launched the Hope Development Accounts (HDA). This project, which has a prominent financial education component, was found to be effective in helping low-income people improve their living standards. HDA later expanded its target base from low-income individuals to whole families. Dr Ting developed and evaluated the savings programmes that are a key part of this initiative.

Rick van der Kamp
Operations Officer, Sustainability Business Advisory

Rick van der Kamp is Operations Officer at IFC, and has over 8 years’ experience in corporate supply chain and smallholder projects across a number of agribusiness commodities. Mr van der Kamp started his career in management consulting with Accenture in
London. After a number of years he decided to focus on international development, and did work in agribusiness, microfinance and private sector development across Africa, Latin America, Eastern Europe and Southeast Asia. Before joining IFC in 2007, he also spent a year in Washington, DC as a merchant banker focusing on emerging markets. Mr van der Kamp is a Dutch national and speaks six languages. He is currently managing IFC's agri-finance program in Indonesia, and coordinates a national forum on agri-finance development. He received an MEng in Physics from Eindhoven University of Technology (Netherlands) and an MSc in Economics from the School of Oriental and African Studies (London, UK).

Rajitha Vinnakota
Head of Citizenship and Community Development
Citi Asia Pacific

Rajitha Vinnakota is Head of Citizenship and Community Development for Citi Asia Pacific, based in
Singapore. In this role, she is responsible for driving Citi’s citizenship activities across 18 markets in Asia Pacific, including overseeing the Citi Foundation grant portfolio, business donations, employee volunteerism, environmental sustainability and disaster response. She joined Citi in 2011 as a Senior Manager for Community Development. Prior to Citi, Ms Vinnakota worked for Symbiotics, a Geneva-headquartered microfinance investment company, where she established and oversaw its Asia operations as a Senior Investment Analyst. Earlier, she worked in Wachovia's Capital Markets business as a Fixed Income Research Associate and an Institutional Investor Management Analyst. She also taught English in the Dominican Republic. Ms Vinnakota holds a BA in Public Policy from Duke University, an MSc in Economic History from the London School of Economics and Political Science, and an MBA from INSEAD.

Alyna Wyatt
Practice Manager
Genesis Analytics

Alyna Wyatt is a Practice Manager at Genesis Analytics in Johannesburg. She specialises in monitoring and evaluation, while her sector expertise lies in Financial Inclusion. She supports government, private and not-for-profit clients on using development resources to leverage investment and innovation, and maximise socioeconomic impact and sustainability. Ms Wyatt has undertaken a number of reviews of global financial education initiatives and has recently developed a toolkit to assist group-based organisations to implement financial education initiatives for FinMark Trust. She is currently leading two quasi-experimental evaluations of two interventions (grade 11 learners and in-community customers) implemented by one of South Africa’s largest banks. From 2010 to 2012, she was the Team Leader of the £4 million Financial Education Fund funded by the UK’s Department for International Development. She is an active member of South African Monitoring and Evaluation Association (SAMEA) and the African Evaluation Association. Ms Wyatt holds an MA in Rural Development from the University of Sussex in the UK, and a BA in Economics and a B. Physical and Health Education from Queen’s University in Canada.

Ivan Yiu Tze Leung
Community Services Secretary, Tung Wah Group of Hospitals
Hong Kong

Ivan Yiu Tze Leung is Community Services Secretary at Tung Wah Group of Hospitals, one of the largest social services organisations in
Hong Kong. Mr Yiu has more than 30 years’ experience in public services and the social welfare sector. He is currently a member of the Family Council, the Societal Engagement Task Force of the Commission on Poverty, the Action Committee Against Narcotics, the Partnership Fund for the Disadvantaged, and the Steering Committee on Promotion of Volunteer Service. He was also previously a part-time member of the Central Policy Unit of the HKSAR Government and served many years on the Commission on Youth.

Joanne Yoong
Assistant Professor, Saw Swee Hock School of Public Health
National University of Singapore

Joanne Yoong is
Assistant Professor at the National University of Singapore’s Saw Swee Hock School of Public Health, a Senior Economist at the University of Southern California’s Center for Economic and Social Research (CESR), and Director of CESR’s US East Coast office. She also serves as a member of the Expert Roster for the 3ie International Initiative on Impact Evaluation. Dr Yoong is an investigator on multiple studies related to social and economic development, particularly in Africa, South Asia and vulnerable populations in the US, and is the lead author of a Toolkit for the Evaluation of Financial Capability Programs in Low and Middle Income Countries recently published by the World Bank. Her research has been supported by the World Bank Group, the US National Institutes of Health, the UK Department for International Development, the OECD, the US Department of Labor, the US Social Security Administration and the US Department of the Treasury. Dr Yoong obtained a PhD in Economics from Stanford University and an AB in Economics summa cumlaude from Princeton,with a minor in Applied and Computational Mathematics. Prior to attending Stanford, she worked as an analyst at Goldman Sachs in New York and London.