Executive Team

A2FAboutExecutive 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 mayor 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 Officer

    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.

      José SANTOS
      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.

        Guido BOZZO
        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.

          Alex PROAÑO
          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.

            Clover PINTADO
            Principal (MSME Finance)

            Mr. Pintado has over 20 years experience working in the micro and SME sector, including rural and agricultural finance, in various countries in Latin America, Eastern Europe and Africa. He worked for several years in Mozambique as CEO of NovoBanco SARL and overall for 19 years as Consultant for IPC GmbH/Germany and ProCredit. His areas of expertise include: policy development and regulation in credit processes, development and implementation of business strategies, financial planning, product development, business management evaluation and development of improvement plans. He holds a Master of Science in Financial Economics from the University of London, and a Bachelor of in Industrial Engineering from Peru. Mr. Pintado is a Peruvian citizen and resides in the USA. He speaks fluent Spanish, English and Portuguese.

              Koen WASMUS
              Advisor (MSME/Agricultural Finance)

              Mr. Wasmus is a senior microfinance and SME banker with 20 years of international experience. He has established and led commercial microfinance banks including ProCredit Bank Kosovo and NovoBanco Angola, and has held executive positions at holding and network level for ProCredit, Opportunity International and CEE Microfinance. He has also conducted various short-term consulting projects in Africa, Eastern Europe and Asia and held non-executive board seats in 7 banks/ MFIs. Mr. Wasmus, a Dutch national, holds a Master in Agricultural Development Economics, and speaks English, Dutch, intermediate German and Portuguese, as well as basic French.

                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.