Richard has written or contributed to numerous CGAP publications and is now a consultant for CGAP. His current areas of focus include interest rate issues, over-indebtedness, and regulation of microfinance. He is a core faculty member of the Microfinance Training Program at The Boulder Institute. Before working at CGAP, Richard was deputy director of the U.S. Agency for International Development’s Center for Economic Growth and spent nine years in Latin America, managing investment promotion, privatization, pension reform, and development finance activities. He has a law degree from Harvard University and speaks English and Spanish.