Monique Cohen is President of Microfinance Opportunities, a nonprofit founded in 2002. She is a recognized expert on the use of financial services and client assessment, including market research and impact assessment in microfinance. Dr. Cohen is an authority on market demand for microinsurance nd has pioneered the introduction of financial education for the poor. She designed and led the AIMS project at USAID in Washington from 1994 to 2002. She is co-author with Jennefer Sebstad of Microfinance, Risk Management and Poverty and Reducing Vulnerability, the Demand for Microinsurance. Dr. Cohen has taught at the Boulder Microfinance Training Program and has a Ph. D. from Clark University.