Caroline Pulver is a freelance consultant, based in Nairobi. She has over 20 years of experience across 34 countries. She is a specialist in Government to Person Payments (G2P) for national-scale social protection programmes. Caroline's work supports poverty reduction through financial inclusion, concentrating on the needs of poor women and their families. She has consulted for Governments and Development Agencies across Africa, the Middle East, Asia, and in the Caribbean.

Anaar leads CGAP’s work on inclusive insurance, leveraging her strong experience leading programs in inclusive insurance.  

Before joining CGAP in 2023, Anaar led Emerging Customer’s Public Private Partnerships and inclusive insurance programs for smallholders across the globe at AXA. Prior to this, she worked in agricultural investment for emerging economies as an investment officer at responsAbility Investments AG, and on various inclusive insurance projects, including climate insurance projects for smallholders during her tenure as Director of Development at PlaNet Guarantee.  She has also worked for the World Food Program and for IFAD on developing climate insurance for smallholder farmers.

A French and Canadian national, Anaar holds a master’s degree in Finance from Grenoble Ecole de Management, a bachelor’s degree in International Management from McGill University in Canada, and she is qualified as Chartered Financial Analyst (CFA). She is based in Paris.