BSc in Physics, MIT; PhD in Development Economics, UC Santa Cruz. After graduating from MIT, volunteered for two years in Zambia as a fisheries extension agent with the US Peace Corps. Former: Brand Analyst, major advertising firm, in the field of public key cryptography; commercial fisherman; Economist, Consultative Group to Assist the Poor (CGAP) housed in the World Bank. Leads the Research and Innovation initiative of the Financial Services for the Poor team, Bill & Melinda Gates Foundation. Team manages FSP's major research grants, data collection activities and technology innovation projects.