Executive Team

Dr. Modibo K. CAMARA

President & Chief Executive Officer

Dr. Camara has over 20 years experience in international consulting, project management and in providing advice on financial sector policy. He brings a unique mix of experience from strategy and operational consulting to major international financial institutions in the US and the European Union as well as to institutions and governments in emerging markets. Besides being a recognized specialist in “access to finance” issues in emerging markets, he has hands-on experience in MSME finance in Eastern Europe, Latin America, Asia, and Africa. In addition, he has conducted and overseen numerous evaluations of programs and organizations, due diligences of financial institutions, market assessments and economic studies. Prior to founding A2F Consulting, Dr. Camara worked for the International Finance Corporation, The World Bank, CGAP, Gemini Consulting (now Capgemini), and IPC GmbH in more than 50 countries worldwide. He holds a PhD in Financial Economics and a Masters in Business Administration from  Johann Wolfgang Goethe University in Frankfurt/Germany. Dr. Camara, a native of Mali, speaks English, French, German, Mandinka, Spanish, Portuguese and intermediate Russian.

Elisabeth RON-CAMARA

Vice President & Chief Operations Office

Ms. Ron-Camara is co-founder of A2F Consulting and is heading its internal operations and HR management. She has over 20 years experience in marketing, product-management and business administration across private and public sectors. Prior to working for German federal entities, Ms. Ron-Camara respectively held managerial positions in sales & marketing as well as in product management covering several European markets in the tourism and trade sector. Ms. Ron-Camara holds a Masters of Arts in Romance Languages and Agricultural Economics with particular focus on international development from the Justus-Liebig University in Giessen, Germany. She has a bi-national German-Spanish background and speaks German, Spanish, English, French, and Portuguese.


Principal (Chief Information Officer)

Mr. Santos has over 20 years of expertise in planning and delivering world-class technology solutions in complex corporate environments and in building well organized, high performance teams and operations within the banking and financial services industry. Since joining A2F Consulting, Mr. Santos has carried out several consulting and IT advisory assignments for governments, central banks, deposit insurance agencies, and financial institutions focusing on micro, small and medium enterprises in Africa and Asia. Prior to that, Mr. Santos worked as Chief Information Officer for the GE Capital Banking Group in Italy and held various other leadership positions as Senior IT Executive in top tier multinational corporations in Europe, Australia, and North America. In addition, he is a certified Six Sigma Black Belt holder and gained experience in organizational transformation and business process reengineering. He holds a BA in Computer Science Engineering. Mr. Santos speaks fluent English, Portuguese and Italian, along with conversational Spanish and French. He is a native of Portugal.


Principal (Change Management & Process Optimization)

Mr. Bozzo brings over 20 years of experience in management and organizational consulting. His core strengths are in process optimization, change management, performance enhancement, customer relationship management (CRM) and quality assurance. As a Lean Six Sigma and Quality Leader, Mr. Bozzo created and implemented Lean Management to improve performance, optimize capital and resource deployment, and to implement new products and services. He has significant experience in designing new operational footprints for GE Capital and diversified business units for IBM. He also led revenue-building projects for Accenture clients. He holds a degree in Information Science in addition to a degree in Business Administration, both from Turin University in Italy. A native of Italy, he is fluent in English and Italian.


Principal (MSME Finance)

Mr. Proaño is a seasoned MSME Lending and Training Expert with over 20 years of experience in micro and small business banking, credit product development, training of bank staff and implementation of lending technologies. Mr. Proaño worked with several successful financial institutions specializing in Micro and SME finance in Ecuador, Argentina, Bolivia, and more recently with Bank of America in the United States. At A2F Consulting, he has developed training curricula and has conducted extensive training for loan officers and bank management in the Maldives, Uzbekistan, Jamaica, Belize, Uganda, etc. In addition, he has been leading A2F Consulting teams supporting financial institutions and developing new lending products in Bosnia and Herzegovina, Albania, Uganda, and Nigeria, among others. His institution-building experience involves green-field projects as well bank downscaling in Latin America, Africa and Eastern Europe. Mr. Proaño, a native of Ecuador and US citizen, holds a Bachelor of Science in Finance and speaks fluent Spanish and English.

Dr. Rebati MENDALI

Acting Lead Evaluations

Dr. Mendali is a Development Economist specializing in research, evaluations, economic analysis, policy analysis, market assessment, and advisory support, with over ten years of experience in the field. Her areas of research include agriculture sector development, economic development, poverty, inequality, and growth. Recently, she has also been working in the areas of gender and access to finance issues. Dr. Mendali has worked on assignments for development organizations such as The World Bank, International Finance Corporation, Millennium Challenge Corporation, African Development Bank, as well as conducted research for the US Small Business Administration and the National Women Business Council. She is an expert in the design of research methodologies, as well as in the analysis of primary and secondary data with strong statistical and econometric skills. Dr. Mendali holds a PhD in Agricultural and Applied Economics from the University of Georgia, United States and a MA in Economics from the Gokhale Institute of Politics and Economics, India. She is Indian and speaks fluent English, Hindi, and Odia.

Bahati KESSY


Ms. Kessy joined A2F Consulting in 2010, initially as Accountant and Office Manager, and subsequently assumed the role of Comptroller. She has previous experience in customer service and project management and coordinated civil engineering projects from the pre-design site selection process through construction management to the final project acceptance. She was equally involved in procurement, bidding and project accounting. Her civil engineering projects included commercial developments as well as government projects in the Washington, DC area. Ms. Kessy, a native of Tanzania, holds a Bachelor’s Degree in Civil Engineering. She speaks fluent English, Swahili, and basic French.