Keys to Financial Inclusion

Podcast Series

The CDICD is sponsored by:

JPMorgan Chase & Co. and Bank of America

Where to Listen

The CDICD is sponsored by:

JPMorgan Chase & Co. and Bank of America

Where to Listen

Podcast Guests

Ray Boshara, Director of the Center for Household Financial Stability at the Federal Reserve Bank of St. Louis

Ray BosharaRay Boshara is Director of the Center for Household Financial Stability at the Federal Reserve Bank of St. Louis. The Center conducts research around family savings, assets and debts. He is also a senior fellow in the Financial Security Program at the Aspen Institute. Before joining the Fed in 2011, Boshara was vice president of New America, a think tank in Washington, D.C., where he launched and directed the Asset Building, Financial Inclusion and Next Social Contract policy programs. He also served as policy director at CFED (Prosperity Now) and on the domestic policy staff of the U.S. House Select Committee on Hunger. Boshara is widely credited with leading the campaign to enact the Assets for Independence Act, which created thousands of Individual Development Accounts throughout the U.S. He also forged Baby Bonds, Roths at Birth and other bills in the U.S. Congress to establish savings accounts for all children. Over the past 25 years, he has advised presidential candidates, as well as the George W. Bush, Clinton, Obama and Trump administrations. He has testified before the U.S. House and Senate several times. Boshara has written for The Washington Post, The New York Times, The Atlantic and the St. Louis Post-Dispatch, among others, and is frequently quoted by local and national media outlets. His book, The Next Progressive Era, co-authored with Phillip Longman, was published in 2009. Raised in Akron, Ohio, Boshara is a graduate of The Ohio State University, Yale Divinity School and the John F. Kennedy School of Government at Harvard.

Molly Barackman-Eder, Senior Manager, Financial Capability, NeighborWorks America

Molly Barackman EderAs the Manager, Financial Capability at NeighborWorks America, Molly Barackman-Eder designs, administers and evaluates programs and initiatives for nearly 250 nonprofit organizations across the United States, including the District of Columbia and Puerto Rico. NeighborWorks organizations provide financial capability services integrated with community development and affordable housing activities. The diverse network serves people at every point on the asset-building continuum, helping people stay in their rental residences, purchase homes and achieve other financial goals. Prior to joining NeighborWorks America, Barackman-Eder served as a Financial Wellness Manager at Goodwill Industries International and Staff Assistant for the U.S. Senate Committees on Appropriations and Rules and Administration. She earned her MBA from Georgetown University and BA in International and Comparative Political Science from Western Michigan University.

Annie Harper, Associate Research Scientist in the Program for Recovery and Community Health, Yale University

Annie HarperAnnie Harper is a cultural anthropologist working as an Associate Research Scientist in the Program for Recovery and Community Health, where she conducts research on poverty, finances and mental illness. She is interested in addressing the social determinants of mental health, focusing in particular on how the financial services and retail industries could better serve low-income people generally, and people with mental illness in particular. Harper works closely with the City of New Haven and the broader community’s efforts to provide support to low-income residents struggling with financial difficulties.

Jeanne Bonds, Professor of the Practice for Impact Investment and Sustainable Finance, University of North Carolina’s Kenan Flagler Business School

Jeanne BondsJeanne Milliken Bonds is a Professor of the Practice for impact investment and sustainable finance at the University of North Carolina’s Kenan Flagler Business School. She previously led community development at the Federal Reserve Bank of Richmond. Bonds is a former mayor and serves on numerous boards and committees in North and South Carolina, including chairing the SC Community Capital Alliance, a CDFI.

Dara Duguay, CEO, Credit Builders Alliance

Dara DuguayDara Duguay is the CEO of Credit Builders Alliance (CBA) in Washington, D.C. Prior to joining CBA, she ran her own consulting practice and advised clients such as TD Bank, the World Bank Group, Experian, Visa and SunTrust Bank on their financial education efforts. Duguay was the Director of Citi’s Office of Financial Education and oversaw a $200 million global commitment. Preceding her work at Citi, she served as the founding Executive Director of the Jump$tart Coalition for Personal Financial Literacy, which advocates for increased financial education for youth. Duguay started work in the field as the Director of Education for the Consumer Credit Counseling Service of Los Angeles. An accomplished author, she has published four books, including the critically acclaimed Please Send Money: A Financial Survival Guide for Young Adults and her latest release, From Wall Street with Love.

Darlene Goins, Senior Vice President and Head of Financial Health Philanthropy, Wells Fargo Foundation

Darlene GoinsDarlene Goins is senior vice president and head of Financial Health Philanthropy for the Wells Fargo Foundation, one of the largest corporate foundations in the U.S. In 2019, the Wells Fargo Foundation donated $455 million to unlock and accelerate economic opportunity for underserved communities with a strategic focus on housing affordability, small business growth and financial health. Goins is responsible for leading solutions that can empower diverse and vulnerable populations to save money, reduce debt, and build financial stability. She joined Wells Fargo from FICO, where she led a consumer credit score program that earned allocates from the Obama Administration. Goins is based in San Francisco and currently serves on the board of directors for the American Bankers Association Foundation and Jump$tart Coalition for Personal Financial Literacy.

Maria Town, President and CEO, AAPD

Maria TownMaria Town is the President and CEO of the American Association of People with Disabilities. In this role, she works to increase the political and economic power of people with disabilities. Prior to this, Town served as the Director of the City of Houston Mayor’s Office for People with Disabilities where she advocated for the rights and needs of citizens with disabilities, served as a liaison between the mayor, city council, city departments and other public and private entities on matters pertaining to people with disabilities in Houston, and established local and national partnerships to advance inclusion. Town is the former senior associate director in the Obama White House Office of Public Engagement where she managed the White House’s engagement with the disability community and older Americans. She also managed the place-based portfolio and coordinated engagement across Federal agencies. While at the White House, Town hosted an inclusive fashion show that highlighted the efforts of makers and designers to enhance disability integration. Prior to this, Town was a policy advisor at the Department of Labor’s Office of Disability Employment Policy (ODEP). While at ODEP, Town led and coordinated numerous efforts to improve employment outcomes for youth and young adults with disabilities. She has particular expertise in areas of youth development and leadership and promoting college and career readiness for all youth. In addition to her disability policy work, Town is the creator of the popular CP Shoes blog where she writes about fashion, design and disability. She was recently named to the Susan Daniel’s Disability Mentoring Hall of Fame and to the inaugural class of Emory University’s 40 Under 40. She hails from Louisiana, where her family still resides.

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