Denise Dias has over 14 years of experience with policy, regulation and supervision, and works primarily for the Inclusive Markets Team at CGAP. She’s specialized in prudential and market conduct financial regulation and supervision with focus on digital finance and consumer protection. She has collaborated with CGAP since 2007, both as a consultant and as a staff member, including coordinating CGAP projects in Latin America and the Caribbean from 2009 to 2010. She has acted as a bank examiner in the Central Bank of Brazil (prudential and market conduct supervision), founded and managed a small internet marketing business, and audited government budgetary spending for the Brazilian Ministry of Finance. She also works with other international organizations focused on financial inclusion and financial sector development, such as the World Bank, GIZ, and Bankable Frontier, and frequently acts as a Program Leader for the Toronto Centre to improve capacity of financial supervisors in developing countries. She holds an MBA in international banking and finance from the Birmingham Business School (UK), an MBA in financial sector economics from USP (Brazil), and a bachelor’s degree in business from UFMG (Brazil). She speaks Portuguese, English, and Spanish.