Ana Duarte McCarthy is Director, Global Workforce Diversity and College Relations, Citigroup. She is responsible for the development and integration of diversity strategy for the company. Ana was appointed to the Global Diversity role in February 2002, and recently expanded her responsibilities to include Corporate College Relations and Work Life programs.

Ana joined Citigroup in 1995. Her roles at Citigroup have been within global diversity, including five years as Vice President, Diversity Management, Citibank, Director of Diversity, Global Consumer Group and her current role within the Corporate Center.

Ana began her career in 1983 within higher education, serving as a bilingual advisor at Passaic Community College. In 1986 she assumed the role of Director, Higher Education Opportunity Programs, at the New School for Social Research where she was later appointed Assistant Dean and Director of Student Life programs in 1992. Ana left the New School and higher education in 1994 when she was joined Kidder, Peabody, Inc. as Assistant Vice President of Compliance and Diversity Programs, where she focused on developing the firm's strategy.

Ana received her bachelor of arts degree from Lafayette College and a master of education degree from Columbia University.

She is a member of the National Society of Hispanic MBAs, and was Chair of the Corporate Advisory Board from 1998-2000. Ana also serves on the Corporate Roundtable of the National Council on Research for Women, and is a past member of the National Black MBA Association strategic partners corporate advisory board. Ana was honored as Citigroup's Hispanic Corporate Achiever in 2001, and was also named to Hispanic Business magazine's 2001 Corporate Elite list. Ana currently resides in Basking Ridge, New Jersey, with her husband and 8-year-old daughter where she is an active volunteer in the community, serving as a basketball coach, coordinator of the Somerset Hills soccer club, and a committee chair of the Oak Street School Parent Teacher Organization.

Dr Elizabeth Coombs

BA (Hons) Psych, PhD UNSW, Graduate Diploma Marketing Management (Macquarie University), Grad Diploma Company Directors (UNE).

Liz Coombs is currently Assistant Director-General within the NSW Premier's Department where she has responsibility for delivering the work program of the Premier's Council on the Cost and Quality of Government.

Liz heads the Performance Development Division which is responsible for ensuring that Government objectives are met in three key areas of public sector management: performance measurement; performance review and performance improvement.

As part of her portfolio, she also has responsibility for the Office for Women, for which she acted as Director General when it was a separate Department for Women.

The Office for Women works on strategy, policy development, programs and projects to benefit the women of New South Wales. Some of the government initiatives for women in the current action plan are in the key policy areas of families and communities; work; education and training; violence and safety; access to justice and equality before the law; health; and power and decision making.

Other positions that Liz has held include Director-General, Department of Fair Trading; Assistant Director General, Public Sector Management Office; Acting Director General, Department for Women; Director, Management Development, Public Employment Office; Director, Senior Executive Service, Premier's Department; and, Manager, Corporatisation within the then Sydney Water Board.

Her PhD in public sector management was awarded in 1989, and examined the community services sector.

Stephanie O. Dychiu has been the personal finance columnist of Cosmopolitan magazine (Philippine edition) since 2000. Cosmopolitan is the number one women's service magazine in the Philippines. Using a light and entertaining "ditz wisdom" approach to explaining principles of money management, Stephanie believes that lifestyle magazines are a powerful tool for promoting financial independence among single working girls who, quite honestly, would rather read about make-up than mutual funds. Her first book on financial independence for Filipinas will be published in 2005.

Stephanie's career in finance began in 1997 when she joined Procter & Gamble Philippines as a Junior Treasury Manager. She later became the Senior Financial Analyst in charge of P&G's Whisper and Tampax brands in Southeast Asia, Australasia, and India. In 1999, she received a Recognition Reward for Passionate Leadership from the Vice-President for Finance of Procter & Gamble Far East. While at P&G, Stephanie was already moonlighting as a columnist for Cosmopolitan, and in 2002 finally joined the magazine world full-time. She is currently the Director of Business Development of Summit Media, the Philippines' largest magazine publisher. Summit Media is the licensed Philippine publisher of global titles such as Seventeen, Cosmopolitan, Good Housekeeping, FHM, T3, and BBC Top Gear.

Encarnacion B. Montales is from Laureta, Solsona, Ilocos Norte, Philippines. She was born on the 25th of March 1944, and is fondly called Ate Encar. Ate Encar is married with 5 children, 4 of which have finished University and one passed away at the age of 8 & a half years old. Encar finished her Bachelors degree B.S. Med. Tech. at the University of St. Tomas in Manila in 1973. She went to work in Singapore in 1986 as an OFW. During her stay in Singapore, she contributed much to the well being of co-Filipinos & other nationalities as well.

Ate Encar is a past President of Novena Filipino Community and started the now well known Filipino Novena and Mass in 1990, and was appointed President of Filipino Overseas Workers in Singapore (FOWS) in May 6, 1992, a position she still holds.

Encar is the initiator & founder of the FOWS Skills Training Program, Palarong Pilipino, Awit Patimpalak & various activities for OFW's in Singapore. While in this post, she was recognized as 'model worker' & chosen to deliver speech during the state visits of Presidents Corazon Aquino & Joseph Estrada in Singapore.

Encar was a coordinator & representative of the Filipino Workers Group for the Walk For Pintubo Fund Raising Campaign, and among the delegation that presented the Peso2.5M donation from Singapore to President Corazon Aquino. She is also a Founding Member of the ACPCMIP and has held the position of Vice-coordinator & Asst. Treasurer to the Commission.

Brian Tucker is the Project Manager for the Learning Society, a non-profit educational foundation promoting progressive education within the community. Mr. Tucker is also the International Baccalaureate Diploma Coordinator for the IB Asian Business program at the Canadian International School, Singapore.

The Learning Society was established in 2000 as a public-service organization with the goals of promoting and supporting progressive educational programmes for adults and children and engaging in charitable education in Singapore. Our membership draws on both Singaporeans and expatriates either in the field of education or engaged in supporting progressive educational practices.

The Society has partnered with the Singapore government to develop Schoolhouse by the Bay, a early childhood daycare and teaching center. The Learning Society also works with Citigroup in Singapore, Malaysia and Hong Kong to support their financial literacy and education programs within the country. To date, more than 15,000 students have participated in Citigroup / Learning Society educational initiatives within the region.

Mr. Tucker holds Bachelors degrees in Arts and Education from Memorial University of Newfoundland, Canada and a Masters of Business Administration from the University of Western Australia.

Angela Mackay was appointed Commercial Director based in Hong Kong for the Financial Times Asia in March 2004. Prior to this appointment, Angela held several senior editorial posts at the Financial Times, including Asia Investment Correspondent covering regional asset management, Hang Seng companies and politics. In addition to this, Angela also edited the Global Investing pages as well as the Investing in China pages.

Before joining the FT, Angela was the Hong Kong Editor for The Sunday Telegraph and previously the Asia Editor for Sunday Business. She has also worked for The Economist, CNBC, The Times newspaper in London and the Australian Financial Review in Sydney.

Angela graduated with a BA (Hons) in English Literature and was trained as a solicitor in New South Wales and Victoria, Australia.

Ms. Campbell joined Eastman Kodak Company in October 2003 as CFO and Vice President of Health Imaging. As Chief Financial Officer, Ms. Campbell is responsible for the global financial operations for Health Imaging, an almost $3 billion division. At Kodak, she is also a member of the Corporate IT Council and a member of the WFKE - Women's Forum of Kodak Employees. She brings more than 18 years of experience in financial management having held senior finance leadership positions with the General Electric Company and its various divisions since 1986. She recently returned from a European assignment as Chief Financial Officer, GE Corporate Europe/Middle East and Africa. Earlier she was the Chief Financial Officer for GE Transportation Systems. Ms Campbell is a founding member of the GE Women's Network. She has also served as the executive liaison for Penn State University and the London School of Economics for GE. In addition, she has been actively involved with Big Sisters and Junior Achievement. Ms. Campbell received a BA in Economics from St. Lawrence University in 1986, where she was President's Scholar, and earned her MBA from Notre Dame University in 1996. As an SLU alumna, she has served as a Laurentian Admissions Associate, career advisor and Alumni Executive Council member (1998 ­ 2000). She is currently serving as vice chairperson on the Board of Trustees for St. Lawrence University. As a trustee, she is a member of the Student Life Committee, Budget and Finance and the Investment Committee. Ms. Campbell is single and lives in Pittsford, NY, with her two golden retrievers.

Philippa Huckle is founder and CEO of the Philippa Huckle Group and has been an innovative force within the financial industry for more than ten years.
Born in Zimbabwe, Huckle graduated from the University of Natal in South Africa with a degree in Economics. She spent the early years of her career in corporate finance, and has been advising individual investors since 1996.

During the volatility of the Asian Crisis Huckle began to see the impact that emotion played on investment decisions: public despair when prices were low and euphoria when prices were high. She became interested in the Nobel Prize winning discipline of Behavioural Finance (Daniel Kahneman, 2002) which views economics through the eyes of a psychologist to explain how, why and when investors are tempted to make irrational financial decisions that cause the most common investment mistakes.

In 2002 she incorporated the Philippa Huckle Group which is based in Hong Kong with a diverse range of international clients (up to 50% living overseas). Combining strategic financial tools based on time proven economic methodologies (such as asset allocation, diversification and rebalancing) with the discipline of Behavioural Finance, she helps independent investors make informed and robust financial decisions so they can better achieve their economic goals.

Today, Huckle is recognised as the pioneer of Behavioural Finance in Asia and is respected as one of the few investment advisors with the foresight to build a strong equity position through the recent bear market and successfully capture the entire recovery.

Ms Wu is the Advisor to the Law School of Shantou University which is supported by the Li Ka Shing Foundation. This is the only public University in Mainland China funded privately. Ms Wu is a very successful and widely respected professional in Hong Kong. She holds a Bachelor of Laws degree and a Post-Graduate Certificate in Laws from the University of Hong Kong (HKU) and is a qualified solicitor. She is a former member of Hong Kong's Legislative Council; former chairperson of the Consumer Council; former chairperson of the Operations Review Committee of the Independent Commission Against Corruption; former Chairperson of Equal Opportunities Commission, and former members of other professional bodies.

She is a member of the John F. Kennedy School of Government Women's Leadership Board of the Harvard University; an advisor to the Hong Kong International Arbitration Center; Chair of the University of Hong Kong Academic Board for Postgraduate Certificate in Laws and an honorary lecturer of the Department of Professional Legal Education, HKU; a member of the Council of Lingnan University; Non-executive Director of the Securities & Futures Commission (SFC); Non-executive Director of the Mandatory Provident Fund Schemes Authority and Independent Non Executive Director of Tom Group.

Nina Aguas is the Country Business Manager (CBM) for the Global Consumer Group in the Philippines and concurrently the Regional Diversity Champion. As CBM, she has direct oversight of the Citibank consumer business, Citifinancial and Citicorp Financial Services, Inc. and co-manages the business processing outsource affiliate, Crescent Services PTE Ltd. Nina was been with Citibank for over 20 years in various in country & Regional assignments. Nina was the Audit Risk Review Regional Head for Asia up to 1997 responsible for managing the audit function in 14 countries. From 1997 to 1999 she was Quality Director for Asia.

GCG Philippines has been consistently upheld to have one of the best CSLM scores across the Citigroup world. Nina espouses a deep sense of community within the business with significant personal involvement in "Citi Cares", the umbrella community service program of GCG Philippines. Noteworthy components of this program are Microfinance and the "I Love to Read" campaign.

Nina is a Certified Public Accountant and is married to Mario, also a CPA and an MBA degree holder from Northwestern University, Evanston, Illinois. They have two daughters and three sons. Marni, the eldest, living in New York, has an MA degree in Communications Management from the University of Southern California and Ana is pursuing her MBA at Boston University. Carlo, their eldest son works for PLDT as a Management Trainee while the two younger boys, Mark and Ryan are in high school and heavily into soccer football.

MONA DAVE, a commerce graduate, is currently heading SEWA Trade Facilitation Centre as Chief Executive Officer, an independent unit set-up by SEWA, which has more than 15,000 rural women artisans with market linkages at both national and international level.

Mona has experience of more than 14 years with SEWA in the field of Rural Development, particularly in the mostly dry, drought and disaster prone desert regions of Gujarat. She has established 2 women economic organisations at the district level which are a federation of producers groups in Kutch and Surendranagar, namely Kutch Craft Association and Surendranagar Mahila and Bal Vikas Mandal.

Mona has work experience in the field of livelihood organisation and market linkages, and has also handled the worst ever disasters like cyclone, flood and earthquake in Kutch district. She directs her attentions to long term rehabilitation programmes focusing mainly on livelihood, water harvesting, fodder security, tools and equipment libraries and artisan support programme.

For the Centre, she is responsible for providing training and consultancy to the other micro enterprises and organisations from South Asia, Africa and Middle East countries. Currently she is working to expand the base of SEWA Trade Facilitation Centre to a national level.

Honoured by UNIFEM as a Best Entrepreneur, Social Responsibility Award, at New York, 7th World Summit of Young Entrepreneurs.

Monique Cohen is President of Microfinance Opportunities, an NGO she founded last year. She is a recognized expert on the poor's use of financial services and client assessment, including market research and impact assessment in microfinance, and a leading proponent of the market-led agenda for microfinance. Dr. Cohen is an authority on market demand for microinsurance and has pioneered the introduction of financial education for poor people in developing countries. She designed and led the AIMS project at USAID in Washington, where she served as Senior Technical Advisor in the Office of Microenterprise Development, 1994-2002. She is co-author with Jennefer Sebstad of Microfinance, Risk Management and Poverty, a paper commissioned by the World Bank for its 2000/2001 report on poverty, and Reducing Vulnerability, the Demand for Microinsurance. Dr. Cohen has published extensively on microfinance and teaches at the University of Southern New Hampshire's Microenterprise Development Institute and the Microfinance Training Program in Boulder, Colorado. Monique Cohen has a Ph. D. from Clark University, Worcester Mass.

Doan Anh Tuan, Asia Regional Economic Opportunity Specialist, Save the Children/US

Doan Anh Tuan is Save the Children/US's Asia Regional Economic Opportunity Specialist. He provides technical support to mainly micro-finance programs in South East Asian countries where Save the Children/US is present.

Doan Anh Tuan joined Save the Children/US early in 1992 as Management Information System Officer. Since then, he has worked at different capacity within Save the Children/US including in finance unit, fund-raising, monitoring and evaluation of community development interventions. He has done numerous technical consultancies to Save the Children/US and other international NGOs' programs in the region. During his work as a practitioner, he has gained lots of hands-on experience in MIS development, product development, financial management, institutional development and training.

Most recently, Doan Anh Tuan was the Director of Economic Opportunity in Vietnam. He launched the best practice micro-finance program in 1998 and brought Save the Children/US as a leading player in micro-finance sector in Vietnam. He has worked with the State Bank of Vietnam in drafting the legal framework for micro-finance sector in Vietnam.

Dr. Musa Muhammad has twenty-one years of experience in social development and public health programs with CARE International in Bangladesh, Ethiopia, Uganda, Sudan, Tanzania and Asia Regional Office. Dr. Muhammad is a social development professional, strategic thinker and planner, process facilitator, team builder, trainer, people manager and program manager. He is skilled in strategic leadership, program development and management, organization management, project design, implementation, monitoring and evaluation, country level advocacy, government and donor relations management and resource generation and management and experienced in partnership programming with government, NGOs, community-based organizations and the private sector with a proven track record of attracting and developing young professionals to promote social change.

He focuses on pursuing professional leadership roles within global movements to end poverty, inequity, social injustice and human indignity and contributing meaningfully to the uplifting of social positions as well as livelihood conditions of marginalized, vulnerable and disadvantaged groups, especially women, in the poor countries of the World.

Arnoud De Meyer is Akzo Nobel Fellow in Strategic Management and Professor of Technology Management at INSEAD. Formerly Associate Dean for the MBA programme, Executive Education at INSEAD, Director General of the INSEAD EURO-ASIA CENTRE and Dean of the Asia Campus, he is currently Deputy Dean of INSEAD, in charge of Administration.

Arnoud De Meyer is an electro-technical engineer and has a Doctoral Degree in Management from the State University of Ghent (Belgium). He studied as a visiting scholar at the AP Sloan School of Management of the Massachusetts Institute of Technology (Cambridge, USA). He was visiting professor at Keio Business School (Tokyo), Waseda University (Tokyo) and the University of Kiel (Germany). He taught also at the University of Gent (Belgium).

Professor De Meyer's main research interests are in manufacturing and technology strategy, the implementation of new manufacturing technologies, and the management of R&D. From the beginning of his academic career he invested in understanding how innovation can be managed more effectively. Over the last 20 years he published widely on this topic, wrote several books (among others Creating Customer Advantage in 1992) and produced a video course and an internet course on Management of Technological Innovation. When the internet became an important element of business life he became interested at how it could be used in order to innovate and develop new business models. While in the beginning he mainly studied new startups (leading to several case studies about new business models in the internet world) he quickly turned his attention to the possibilities for innovation for legacy companies. This has led to a collaboration with Soumitra Dutta and Sandeep Srivastava on his most recent publication: The Bright Stuff.

With the support of the King Boudewijn Foundation in Belgium he recently finished two monographs on the role of Government in the e-world. One of the monographs (with C. Loh) discusses what the components of good e-government are. The other looks at measures that governments can implement in order to stimulate the use of information and communication technologies, as well as the development of business based on the deployment of these technologies.

Recently he also published several papers and articles on project management under conditions of high uncertainty. These concepts are of high importance for the management of development and research activities. He has also published on E-government.

While being an academic Professor De Meyer has also applied some of the concepts he developed in the business world. He has acted as a consultant for a number of medium-sized and large companies throughout Europe and Asia. And he has helped several entrepreneurs in the startup of new business ventures. He is outside director of three hi-tech companies, of which one in the production of custom made modems. He is also a member of the board of Infocomm Development Authority of Singapore.

He is a member of the Economic Review Council in Singapore.

Sasha Muench is currently the Economic Development Specialist for Mercy Corps in Jakarta, Indonesia. She has ten years of experience in international development, primarily focused on enabling individuals to address their own poverty by promoting access to financial services and training. She has worked on programs promoting women's empowerment, economic development, and local capacity building in Indonesia, the Philippines, Bosnia & Herzegovina, Kosovo, Serbia, Kyrgyzstan and Gaza. In Bosnia, Ms. Muench helped to develop a microfinance institution (Partner Microfinance Organization) that now has an outstanding portfolio of US$ 15 million and an average active client base of 12,000 individuals, 56% of whom are women. In Indonesia, Ms. Muench has managed a US$6 million program that develops the capacity of local not for profit organizations through a combination of financial support, training, and technical assistance. She is currently developing mechanisms that provide Indonesian microfinance institutions with sustained access to loan capital and technical assistance. Ms. Muench earned a Master's Degree in Economics from the University of British Columbia.

Shalini Mahtani is Founder & CEO of Community Business, a non-profit organisation, based in Hong Kong, committed to working with member companies on Corporate Social Responsibility. Community Business commenced operations in January 2003 and today works with a number of companies on issues of Community Investment and Diversity in the workplace. Shalini is originally from the private sector, having worked as Senior Associate at PricewaterhouseCoopers and Assistant Vice President at Banque Nationale de Paris Paribas. In 1999 Shalini left banking to pursue full time work with the non-profit sector and started with a number of short term assignments before establishing Community Business. These included conducting research for ASrIA, the Equal Opportunities and working as Director for a non-profit management company. Shalini is a graduate of the London School of Economics in UK and holds a CPA from Chicago USA. In her personal capacity, Shalini is active in a number of civil society organisations in Hong Kong particularly those concerned with issues of education and gender and race discrimination. On issues of gender Shalini has worked specifically on financial issues for survivors of domestic violence, financial education for women, equal opportunity and issues relating to ethnic minority women and girls in Hong Kong. Shalini is also the founder of a village school in Chennai India that supports the education of children from economically disadvantages families.

Usha Menon is recognized as one of very few Asian resource developers and cause-related marketing expert with experience and expertise in both fundraising and training with multi-national and multi-cultural exposure. Over the past 16 years, she has helped to launch fundraising initiatives in several countries in Asia and is a celebrated speaker and trainer on this subject. She has presented at various forums in Holland, U.K, U.S.A., India, Sri Lanka, Nepal, Korea, Japan, Philippines, Taiwan, Indonesia, Malaysia, Australia, New Zealand, Hong Kong and Singapore.

Usha is International Chair-elect of a capacity building organization for non-profit sector called the Resource Alliance. She is also founder member of the Association of Fundraisers, Singapore.

Her interest in helping to mentor and develop the capabilities of individuals and organizations involved with the development sector has been the reason for Usha undertaking speaking engagements to help causes around the world.

Usha is the Director of Resource Development for Asia and the Pacific with Habitat for Humanity International (HFHI) . She joined HFHI in January 1999 and is responsible for developing the local fundraising and resource mobilization capabilities of national organizations and affiliates in 30 Asia-Pacific countries.

Prior to joining Habitat For Humanity International, she worked with the National Council of Social Service in Singapore (1988-1998). Usha is currently based in Singapore with her businessman husband and two sons. Prior to Singapore, she lived in Indonesia and in India.

Evelyn G H Ng is the current Chairperson of the Hong Kong Federation of Women's Centres, a grassroots organization which has recently pioneered the setting up of a cooperative for domestic cleaners among its members. The organization continues to look for viable self-employment projects to help middle-aged women, single mothers, and new arrival women from the mainland, engage in paid work. She is an Honorary Research Fellow at the Centre of Asian Studies, University of Hong Kong, and a co-convenor of the Women's Studies Research Centre, University of Hong Kong. She has organized seminars for local and visiting researchers working on diverse areas in women's studies to facilitate better exchange of ideas.

Her research interests include women and work, women and the family, and women in politics. She has published in the Asian Journal of Women's Studies and the Asian Journal of Public Administration. Her recent publications include the following:

Evelyn G H Ng and Catherine W Ng (2003). Women micro entrepreneurs in Hong Kong: balancing the personal with the business. In John E. Butler (Ed) New Perspectives on Women Entrepreneurs. Greenwich, Connecticut: Information Age Publishing.

Evelyn G H Ng and Chan Yu (forthcoming). Exercising economic empowerment: networking in a women's community center. In K. E. Kuah-Pearce (Ed) Chinese Women and their Social and Network Capital. Marshall Cavendish International (S) Pte Ltd.

Associate Professor of Marketing at INSEAD, Jill Klein received her Ph.D. in Social Psychology from the University of Michigan in 1990. During the following seven years she was a member of faculty in the Marketing Department at Kellogg Graduate School of Management, Northwestern University, and spent periods as Visiting Professor at Bond University School of Business, Queensland, Australia, Helsinki School of Economics and Business Administration, Finland and The Fuqua School of Business, Duke University. She joined the INSEAD faculty in 1997.

Jill Klein's teaching specialties are Marketing Management, Consumer Behavior, Advertising/Marketing Communications and Marketing Research. Her research interests are international marketing, including the effects of international hostility on consumer perceptions of foreign products and ethics in marketing research. She has had articles published in the Journal of Marketing, Harvard Business Review, Management Science, and the Journal of International Business Studies.

Hemant Doshi is the founder and executive director of Singapore's leading provider of financial literacy programs, Eduwealth Pte Ltd (www.eduwealth.com), empowering kids and adults through experiential learning methods as well as dramatization. He has extensive experience in the education scene in Singapore establishing and managing a few education centres. He has been featured in The Straits Times, Berita Harian, MediaCorp Channel 8 and on Channel News Asia (CNA) on 'Moneyweek' & 'MoneyMind' respectively. Eduwealth has reached out to several thousand students and adults through strategic engagements with the Monetary Authority of Singapore (MAS) as part of a national campaign, MoneySENSE, in educating the public in financial literacy. In addition, Eduwealth also conducts financial lifeskills and money management programs for adults by working directly with employers who offer our programs through their staff welfare/benefit schemes.

Before joining EW, Mr Doshi has had almost 10 years of experience in the industries spanning the IT, financial services and education industries.

Dara Duguay is one of the United States' leading experts on Personal Finance and Literacy. As Executive Director of the National Jump$tart Coalition for Personal Finance and Literacy, she runs an umbrella organization for more than 80 national organizations devoted to personal finance education for young adults-organizations such as VISA, Bank of America, MasterCard, AmericanExpress, Capital One, College Parents of America, Wall Street Journal Classroom Edition, each with millions of members of its own. She has appeared on MSNBC, CNBC, ABC, Fox News, CNN, PBS, National Public Radio and many others, and has been quoted as an expert in publications like The New York Times, The Los Angeles Times, Money, Parenting, Parade, Town and Country, USA Today and Jane Bryant Quinn's syndicated column. She is author of PLEASE SEND MONEY: FINANCIAL ADVICE FOR TEENS ON THEIR OWN (Source Books, 2001) and DON'T SPEND YOUR RAISE (Contemporary, 2003).

Vivian Lau is the Chief Executive Officer of Junior Achievement Hong Kong (JAHK), a non-profit organization dedicated to inspiring and empowering Hong Kong youth through activities-based education designed to help them understand the world of work and their role in the global economy. Since its establishment in 2001, JAHK has engaged over 280 business volunteers and supported over 3,200 students to develop their financial literacy, entrepreneurship and career aspirations.

Before joining JAHK, Ms Lau has had almost 20 years of international experience in industries spanning the petrochemical, IT&T, online, advertising and airline industries. She has held senior strategic and operational roles in Australia, Hong Kong and China and possesses a proven track record in starting, growing, managing and restructuring companies. She is presently Chief Operating Officer of the Hong Kong Petrochemical Company Limited and Managing Partner of the Reach Insights Company Limited. Her career has included roles as the Director of Marketing of SmarTone Mobile Communications Limited, Founder and Managing Director of Grey Interactive Services Limited and Senior Planning Consultant of Qantas Airways Limited in Sydney.

Jocelyn Murphy is the Executive Director of YWCA NSW - a Public Benevolent Institution providing community programs and services to create better lives for women, families and young people. She has held this position for 13 years. She also serves as Director, Corporate Partnerships for the World YWCA. Jocelyn is also the founder of the YWCA's Big Sister/Big Brother Program in Australia.

Formerly Branch Director of YWCA of Hamilton, Ontario, Canada, Jocelyn brought back global perspective and a valuable network to YWCA NSW. She has practical experience in corporate governance of non-government organisations.

In addition Jocelyn is actively involved with the Rotary Club of Sydney. She was elected Vice-President for 1996-97 and President for 2002-03 (the first woman elected to these positions in the Club's history).

Dr. Audrey Chin is Co-Chair, together with Ms. Lee Yuit Chieng, of AWARE's Financial Awareness Committee. Together with Ms. Lee they developed AWARE's Financial Intelligence Training Program, a unique financial literacy training program offered to both men and women.

Professionally, Dr. Chin is Partner, Asset Allocation Strategies at Pacific Asset Management (S) Pte Ltd, Singapore's oldest total-return boutique investment company. At PacificAM, Dr. Chin is in charge of the Pacific Rossignol Fund, a global macro multi-asset hedge fund and responsible for PacificAM's global macro research.

Dr. Chin is also Executive Director of Rossignol Pte Ltd, a consulting firm providing advisory services on asset allocation and risk management techniques; a member of the board of Singapore Petroleum Company and chair of its audit committee; and sits on the investment committees of various Singapore financial institutions.

In civil society, aside from championing financial literacy, Dr. Chin is also committed to ethical investing. She co-chairs Unifem's Global Fund sub-committee and has substantial experience in the development of Islamic Funds.

Dr. Chin went into private practice in November 1999 after 10 years at the Government of Singapore Investment Corporation where she was Division Head of Asset Allocation, overseeing asset strategies for stocks, bonds and commodities and trading an overlay portfolio. Prior to this, she worked as a consultant at Brinton Economics in Los Angeles, and as a research fellow at the Rand Corporation in Santa Monica, USA.

Dr. Chin was born and educated in Singapore, obtained an LL.B at Manchester University in England, an M.Sc. in Public Policy from Oxford University and a Ph.D in Public Policy from the Rand Corporation in Santa Monica.

Melissa Brown is the Executive Director of the Association of Sustainable and Responsible Investment in Asia (ASrIA), a not-for-profit membership association dedicated to promoting and developing SRI in Asia. ASrIA's membership includes a cross-section of global and Asia-based fund managers, financial institutions, companies, and non-profit organizations. At ASrIA, Ms. Brown is responsible for directing the research program and handling outreach to the group's Asian members.

Prior to joining ASrIA in 2003, she was a Managing Director and Deputy Head of Asian Equity Research at Citigroup/Smith Barney from 1998. She has 15 years of experience in equity research in Asia. From 1988 to 1992, she was the head of equity research for Barclays de Zoete Wedd in South Korea. Later, at J.P. Morgan, and Citigroup/Smith Barney, she was responsible for covering the Asian utility sector. Prior to moving to Asia in 1988, Ms. Brown spent three years work working for Lord, Abbett & Co., a New York fund management firm as an analyst looking at emerging growth companies.

She has a BA in Economics from Williams College and an MBA from the Yale School of Management.

Judith van Unen has been self-employed since stating her first business at 17 years of age while still at school. As a consequence, she has a sound empathy with the challenges and issues faced by Micro Businesses and SME's. Judith is a Business Development Strategist, with interests in a number of businesses that have included construction, manufacturing, wholesale and retailing in a variety of sectors. The diversity of her training and qualifications ranges from Interior Designer, Engineering [Manufacturing] to Marketing and Business Administration and languages. Working as a consultant to businesses, State and Local Governments, Judith's results focused, action-orientated team leadership style has enabled her to transform a wide range of businesses as attested to her strong reputation in this area. Judith brings this diversity of experience to the family's commercial and industrial building companies that operate locally and internationally.

In addition, Judith's own personal philosophy has always been one of commitment and active promotion of the welfare of women in all walks of life, particularly the mentoring of young women. Four the last four years, Judith has been National President of Business & Professional Women Australia, the international lobby organization for women in the workforce and better known as BPW, which encourages women to train for leadership in the social, economic and political life of the community.

Her passion for the range of issues of concern to women has been evident, seeing her represent Australian women at the United Nations for several years, twice on the Australian Government Delegation, present at the APEC Women's Leader's Network, as well as initiate and host the first BPW International Congress here in Australia in 2002 Judith is a Director of COSBOA [Council of Small Business Organisations Australia], a member of P-TAG [Personal Income Advisory Committee] and the National Institute of Governance. She is the Chair of Security 4 Women, consortium of women's interest groups including BPWA, CPA Women's section and others, undertaking extensive research around Lifelong Economic Wellbeing for Australian Women.

Judith is also on several other boards and advisory committees and continues to lead an active community life.

Ivy Josiah is the Executive Director of Women's Aid Organisation (WAO) in Malaysia. Established in 1982, WAO was the first women's organisation in Malaysia to provide shelter for battered women and their children. WAO plays a lead role in advocacy work, public education and law reform on domestic violence.

Being a pioneer volunteer cum member of WAO and its past president (1990-1993), Ms. Josiah has developed, promoted and implemented the WAO's refuge services, coordinated its public education programmes and advocacy work on the issue of violence against woman. She has expanded the refuge services to include sheltering foreign domestic workers who are abused by their employers and lived in almost slave like conditions. She has worked on the Malaysian National Policy on Women, the National Policy on Women and AIDS and Women's Agenda for Change. From 1985 ­ 1994, as a WAO representative in the Joint Action Group Against Violence Against Women and the National Committee on the Domestic Violence Act (1992- 1994), she was actively involved in the drafting and lobbying for the implementation of the Domestic Violence Act in Malaysia.

She conceived and initiated the monitoring project and coordinates the WAO Monitoring of the Implementation of the Domestic Violence Act 1994, Malaysia. She also coordinates WAO's program "Monitoring the fulfillment of the Malaysian Government's Obligation to Women's /Equality under CEDAW"

Between 1990 - 1992, she was a member of the WAO Research Group that coordinated a national research study on battered women. The publication: Battered Women in Malaysia, Prevalence, Problems and Public Attitude was a first of its kind in Malaysia and provides benchmark data on the extent of the problem of battered women, public attitudes and the experiences of public agencies.

From 1993 - 1994, Ms Josiah was a part of a team that looked into the Inter - Agency Management of the Battered Women. A long time advocate of women's human rights. Ms Josiah is involved in national, regional and international committees and initiatives to combat violence against women. She is also a member of the arts and theatre community in Malaysia being a member of Five Arts Centre. In February 2004 Ms Josiah was appointed to sit on the Royal Commission of Police, Malaysia.

Mr. Kumar is the founder and Managing Director of SHARE Microfin Limited and SHARE Microfinance institutions, operating since 1989 in the State of Andhra Pradesh, India. Mr. Kumar is a founding member of INDNET and Sa-dhan, which are active Microfinance networks. He has also provided extensive technical training and consultancy services in the field of Microfinance to NGOs and MFIs in India and Southeast Asia. He is the member of Task Force Committee constituted by the Reserve Bank of India and Prime Minister's Office on Microfinance. In 1997, he was the recipient of the 'Change Makers Award' for India and 'Excellency in Micro credit' during 2002. He has also received awards from UN Peace Foundation. Mr. Kumar has an M.B.A. and has received training in Microfinance from the Economics Institute in Boulder, USA and in development studies from the Selly Oak College, Birmingham, United Kingdom.

Grania Mackie joined the SEED team in 2002 as an associate expert in women's entrepreneurship. She works with the WEDGE unit to promote the economic empowerment of women through self-employment. Her main activities are in Africa and Europe.

For three years prior to working with the SEED team Grania worked in local economic development in Ireland as a women's enterprise development officer, and previously ran her own business in the leisure industry

Ms.Vijayalakshmi Das is the CEO of Friends of Women's World Banking, India since 1989. She has post graduate degrees in Economics and in Urban & Regional Planning.

FWWB was established in 1982 to promote direct participation of poor women in the economy through access to financial services. It is committed to building a society based on equality and social justice where women are the leaders of social change.
Operating as a whole sale service provider since 1989, FWWB extends credit and capacity building support to nearly 100 Micro Finance Instituions(MFIs) in India and these MFIs together reach out to more than 1.5million low income household women.

Ms.Das is one of the founding Trustees of the newly established Indian School Of Microfinance for Women, an institution set up to address the capacity building needs of the micro finance sector in general and that of the women members and leaders of the sector in particular.

Ms.Das has been a member of various policy groups at the national level.

John is currently the CEO of The Problem Gambling Foundation of NZ. A lifetime commitment to the NGO sector led John to found the highly respected Graduate Diploma in not for profit Management. This program is taught throughout the Pacific and has a base in seven Pacific nations where it continues to deliver innovative and highly contextualised management education to NGO leaders.

The concept of financial literacy in the program was developed in response to a paucity of useful educational models that successfully engaged NGO leaders in better understanding and managing their organisations finances.

The shift from Financial Management to Financial Literacy as the educational metaphor has encouraged NGO leaders and in particular Women Leaders to make finance training a priority as a tool for empowerment within their organisations.

John lives with his family in an organic co-operative on Waiheke Island where he is also directing a Community owned Company turning refuse into jobs.