Andy Posner founded Capital Good Fund in February of 2009 while getting his Master of Arts in Environmental Studies at Brown University, where he was studying financing mechanisms for clean energy. After reading Banker to the Poor by Dr. Muhammad Yunus, the 'Father of Microfinance' and 2006 Nobel Peace Prize winner, he quickly realized that equitable financial services could unlock the potential of the poor just as they could do the same for clean energy technologies. At the same time, as the financial crisis of 2008 began to unravel the economy and devastate low-income communities, Andy decided to take action. He created Capital Good Fund with an eye toward using financial services to tackle endemic poverty, first in Rhode Island, and then nationwide.
Andy is a firm adherent of Dr Yunus' dream to put poverty into museums; or, as Andy likes to put it, to put poverty out of business. Andy's work has been featured in Providence Business News, the Providence Journal, the Providence Phoenix, the Federal Reserve Bank of Boston's quarterly publication, the Rhode Island Small Business Journal, CNN and other print, radio and television media. He is also proud to be the Treasurer of the national Board of Directors of the Credit Builders Alliance, an organization of which Capital Good Fund is a member.
Andy has published his ideas in the Huffington Post, Treehugger.com and the Stanford Social Innovation Review, to name a few examples. He was also selected as a 2011 Hitachi Yoshiyama Young Entrepreneur and a 2013 American Express Emerging Innovator (one of 45 globally). When pressed to describe himself, he'll say that he is a pragmatic idealist who believes that creative business models, advanced data analytics, and a mix of market and mission-centered forces can lead to dramatic social change. When not at work, Andy likes to blog, write poetry, read and bike ride; in fact, in 2005 rode his bicycle 3,800 miles across the United States.
phone: 866-584-3651, Ext. 105
Annie believes equitable access to resources is a key pathway out of poverty. Before moving back to Rhode Island in December 2016, she spent over three years in Port au Prince, Haiti, running operations for an ethical fashion company deux mains designs to create dignified, living-wage employment opportunities and offer job training. While earning a certificate in International Non-Governmental Organizations Studies, she worked for a non-profit in Haiti transitioning intentionally from disaster response-driven aid to innovative, community-led development. Annie received her B.A. in Anthropology and Political Science from Rhode Island College, a degree combination that has contributed both a human-centered approach and an element of advocacy to her experiences. While professionally she's spent time in the fashion industry, social enterprise development and now financial resources, the common factor is removing obstacles to economic empowerment.
While she loved working and living abroad, Annie is a New Englander at heart and is happy to be home in Rhode Island. Outside of work, she likes to cook, travel, discover new ethical fashion brands, and drink good coffee, but her very favorite thing to be is Auntie.
phone: 866-584-3651, Ext. 104
Jim is excited to work at the Capital Good Fund because it is a unique organization, with talented, caring people, working hard to meaningfully impact on the lives of others. He is a strong believer that small advances add up quickly and make for big positive changes. Prior to coming to the Capital Good Fund, Jim worked with several local not-for-profit organizations. At Neighborhood Health Plan of Rhode Island, his role as Director of Analysis helped the organization make better data driven decisions. At Johnson & Wales University Jim served as Director of Financial Operations, reshaping the finance department with a focus on continuous process improvement. He holds a bachelor’s degree in Chemistry and an MBA from the University of Connecticut.
Jim has been calling Rhode Island home for over 20 years. He has been active in the community as a Little League Treasurer and Baseball and Soccer Coach. In his free time, Jim enjoys travel, sailing, scuba diving and swimming, and has completed the annual Save the Bay race from Newport to Jamestown on a number of occasions.
phone: 866-584-3651, Ext. 144
Heiry is the Director of Loan Origination, graduated from the University of Rhode Island with a Bachelors of Arts Degree in Psychology. Heiry started her journey with Capital Good Fund as a part-time Client Services Assistant and has grown into her position by really focusing on the Good Fund mission, committing herself to providing excellent customer service and embodying a supportive outlook amongst her colleagues. Throughout the course of her life, she has encountered many obstacles, many open doors and many closed doors. Each experience has been a learning opportunity about herself and the world around her. Every moment has helped shape her into the person she is becoming. Heiry has a great desire to help others. Whether it may be physically opening a door, spiritually offering prayers, mentally and emotionally problem solving, or helping achieve personal or developmental goal, she would like to be part of it for someone, anyone. She has a great compassion towards others and would love to express that compassion throughout her career. Receiving the opportunity at Capital Good Fund has been a great blessing for her, for she knows that as part of the team she will be helping others.
phone: 866-584-3651, Ext. 122
Hillary manages the Financial Coaching department at Capital Good Fund. As Director of Coaching, Hillary oversees a comprehensive Financial + Health Coaching program, a Credit Builder Program, and a randomized control trial in partnership with the Providence Public School District.
Hillary moved from California to Rhode Island to pursue a Master’s in Business Administration with a management concentration at Providence College. She also completed a leadership development certificate at Providence College in 2016. Hillary is currently pursuing a certificate in financial planning at Bryant University.
Before coming to Capital Good Fund, Hillary oversaw management and operations of nonprofit organizations that connected Rhode Islanders with career pathways in healthcare and other industries. She also guided student entrepreneurs at Brown University through developing their business ideas. Hillary brings her passion for strengthening our community by using business approaches to the Capital Good Fund.
phone: 866-584-3651, Ext. 130
Chadria comes to Capital Good Fund already a veteran in the nonprofit world. For the past ten and a half years she has poured her heart out serving school-age children of Providence in childcare/out of school time programs. What attracted her to Capital Good Fund was the mission of helping people get out of poverty. She has personal experience with the damaging effect of the poverty mentality that plagues many families and cripples them from having all that they should have. As the Human Resources Manager at Capital Good Fund, Chadria hopes to build relationships that support a healthy financial lifestyle and help people in any way possible. She enjoys splashing in puddles in her rain boots, reading in comfy places, and eating bacon!
phone: 866-584-3651, Ext. 123
Wally Okby joined Capital Good Fund as Vice President of Investor Relations after serving as Senior Director of Private Banking for Societe Generale Private Bank. He was appointed to this role after serving as Head of Distribution and Investor Relations for Eureeca Capital, a start-up financial technology firm. He also served as Vice President for Citi Private Bank and Head of Private Banking for AIG (Falcon) Private Bank in Dubai since its launch in 2009. Before joining AIG, Wally held positions of increasing responsibilities with other top tier global wealth management firms in New York City, including Morgan Stanley, Prudential Financial and BlackRock.
Over the course of his career, Wally heard his client’s stories, participated in their successes and worked with them to structure solutions in line with their needs and goals, which often included a substantial element of philanthropy. He found that the most successful “self-made” individuals experienced at least one key pivotal moment in their lives during which another individual, government or social organization lent a “helping hand” of one form or another. Wally caught on to this theme and sees a direct correlation with the Capital Good Fund to be that same “helping hand” engine for millions of people in the US.
Wally holds a bachelor’s degree in Economics and International Relations from SUNY Albany and an MBA from Fordham University. Wally has a strong impulse to travel and is a history buff. In his spare time, he loves to cook, watch good movies and explore the beaten path.
phone: (401) 200-1659
Laura has lived in the state of Rhode Island since 2009. She attended the Community College of Rhode Island from 2010 to 2012 and Graduated with honors from Johnson & Wales University with a Bachelor’s Degree in Hotel & Lodging Mgmt. in May of 2015. She has volunteered and worked closely with the J. Arthur Trudeau Memorial Center for individuals with developmental disabilities, and also with Dorcas International Institute of Rhode Island, whose mission is to assist low-income adults in the state of RI to realize their full academic and professional potential. In the past Laura has worked for companies such as Bank of America and Colwen Management, as well as one the biggest payday loan companies in the country. Currently she’s looking forward to changing as many lives as possible through the mission and vision of Capital Good Fund.
phone: 866-584-3651, Ext. 115
Angela's nonprofit tech career began while she was working as a Development Assistant at Smith College and became curious about how the websites and databases she interacted with worked under the hood. She went on to pursue her B.A. in Computer Science through the college's Ada Comstock Scholars program while working full time, earning Highest Departmental Honors for a thesis exploring whether or not computers can compute beyond the Turing limit (she doesn't think they can). She spent five years working as a back-end web developer in Western MA before finding a home at the Capital Good Fund, where she has grown and helped the organization grow in the fields of security, networking, and enterprise architecture. Angela is deeply committed to ethics and inclusivity in computing, and passionate about technology as a tool for community empowerment. Outside of work she loves to play with synthesizers, drink tea, use her imagination, and read and write about social justice.
phone: 866-584-3651, Ext. 131
Simon views the glass as twice as big as it needs to be; this attitude has served him well in nonprofit environments. In 2011, Simon earned his degree in Marketing & Advertising Communications at Johnson & Wales University and he returned to Rhode Island in 2014 to start his M.B.A. in general business. He has experience working with low-income individuals through community building programs and has worked for a direct mail agency that specialized in nonprofit fundraising. Capital Good Fund was a natural choice for Simon, as he wants to pursue a career in financial marketing. Off-hours, you can find Simon exploring new trails with his K9 roommate, Sugi.
phone: 866-584-3651, Ext. 133
Elizabeth is a Florida native with a passion for serving others. As a Guatemalan-Mexican-American who grew up in a family with limited financial means, she is dedicated to fighting for equality and the empowerment of marginalized communities. She is a graduate of Harvard where she received a B.A. in Government & Economics. Shortly after graduating college, she married her husband, Sal. Their newest addition to the family, Mia, met her parents on March 17th of this year. Her experience in the financial services industry coupled with her passion for social change attracted her to Capital Good Fund where she is now functioning as a Loan Officer in Sarasota, Florida.
phone: 866-584-3651, Ext. 142
Andreas has come to Providence by way of Brazil, Germany, and Upstate New York. Most recently he was living in Chicago while studying Political Science and Cinema and Media Studies at The University of Chicago. He still remains active in The University of Chicago community as an Alumni Interviewer for their admissions department. Andreas began his relationship with Capital Good Fund in 2015 as a Financial Coach. He was drawn to Capital Good Fund in order to effect positive change in people’s lives and hopes that as a Credit Manager he can continue to have an impact in people’s lives. When not at Capital Good Fund, Andreas spends his time crafting fine charcuterie, traveling, playing in two soccer leagues, and generally having his heart broken by his beloved Arsenal FC.
phone: 866-584-3651, Ext. 128
Siobhan has worked in human services since moving to RI from CT in 2007; her experience includes substance abuse treatment, educational afterschool programming, and service provision for DCYF-involved families, most recently as the Program Director of a group home for developmentally disabled teenage boys. Siobhan joined the Capital Good Fund team in May 2018 as a Development Officer and is excited to help further our mission of helping families find pathways out of poverty. Siobhan graduated Summa Cum Laude from Rhode Island College with a BA in Psychology in 2013. She lives in Providence, RI with her husband, their daughter, and their three dogs.
phone: 866-584-3651, Ext. 158
Jennifer was born in Connecticut and moved to the Ocean State during high school. She is currently attending Johnson and Wales, pursuing an accounting degree. Jennifer worked at Providence Performing Arts for years and in the private sector after that. She has a sweet rescue cat named George. Jennifer has volunteered for different causes over the years, and has decided to make it her line of work as Good Fund’s Senior Accounting Officer. Jennifer loves to cook, and will always enjoy a good mystery.
phone: 866-584-3651, Ext. 138
Esteban is a Floridian through and through. His passions are simple: helping people, enjoying nature, and above all else being a father. For as long as he can remember, people have been his heart. He strives to always make a positive difference in the lives of those around him. He believes that no matter the situation you find yourself in, there is always an opportunity to better yourself and lift up others.
When Esteban is not at work, you will find him hanging out with his six-year-old daughter who is the most amazing child in the world, no bias of course! They will be serving at their Church, walking down the beach, or wandering the woods every opportunity they get. He is wholeheartedly exited and thankful to have found a family in Capital Good Fund, an organization that aligns his career goals with his life calling of helping people and making a difference in his community. His life motto is "Never stop moving forward because the best is truly yet to come!"
phone: 866-584-3651, Ext. 152
Mariline Chantre was born in Cape Verde, but moved to Rhode Island in 2009. She attended Community College of Rhode Island for two years, and then transferred to New England Institute of Technology where she became a member of the Phi Theta Kappa Honor Society. She graduated with a bachelor’s degree in business management and technology, in May 2017. Mariline has volunteered for Nonprofit organizations such as Foster Forward, where she completed the training process in 2015, and worked as an intern at Capital Good Fund. She is passionate about her job, and she has developed a strong sense of devotion for the Nonprofit sector. She hopes to make a difference, and have a positive impact in the community that is often overlooked or underserved.
phone: 866-584-3651, Ext. 140
Kyle is a lifelong Rhode Island resident and recent graduate of Johnson & Wales University, where he earned his undergraduate degree in Finance. Kyle excitedly joins Capital Good Fund after having spent nearly the last three years engaging with Rhode Islander’s as a Personal Banker for both Citizens Bank and BankNewport. During his time working in banking, Kyle was granted exposure into the depth of everyday challenges individuals are faced with in result of financial difficulties seemingly often stemming beyond their control. Kyle was drawn to Capital Good Fund by his desire to play a role in remedying these challenges, and through his alignment with the organization’s mission to utilize financial service solutions as a means to combatting poverty. In addition to working as a Credit Officer, Kyle studies Political Science at Rhode Island College with the hopes to eventually either earn a second bachelor’s degree or return to graduate school.
phone: 866-584-3651, Ext. 150
Danielle is an artist at heart. She is a graduate from the Ringling College of Art and Design in Sarasota, FL, where she earned her BFA and also holds a Master of Arts in Counseling from Webster University. When asked “What does a degree in art have to do with financial coaching?” Danielle's answer is: Art became a business for her and as an entrepreneur she had to learn how to do business, write proposals, invoices, meet with clients, discuss costs, and more. She has learned that with forward planning, everything can be managed. Danielle takes great pride as an Army Mom (her son Vincent is stationed in Kansas City), and her daughter is an avid guitar player, who is also an artist at heart! Danielle enrolled as a Financial Coach with Good Fund in October of 2018 and is working in Good Fund’s Sarasota Office. She is also bilingual (English/Spanish) and looking forward to serving in the community.
phone: 866-584-3651, Ext. 165
Nacor was born and raised in San Jose de Ocoa, a small town in the Dominican Republic. He moved to Rhode Island in August 2017 after completing with honors his bachelor's degree in economics at the Autonomous University of Santo Domingo. His areas of interest are poverty and development. What drew him into Capital Good Fund are the company’s mission and his beliefs in a more just and fair society with equal opportunities. As someone who has experienced the struggles of starting from scratch by moving to a different country and coming from a developing country, he could relate to many people struggling with their finances and credit. During his years in university Nacor acquired vast experienced in the customer service field and prior to move, he was a junior research analyst focus on social issues in the Dominican Republic.
phone: 866-584-3651, Ext. 155
Two years after Roxana’s birth in Bolivia, her family made a life changing decision that brought them to the United States. Roxana considers her life to be very Americanized, but she takes pride in her roots and the importance of keeping diversity alive. This very much derives the reason why Roxana found Capital Good Fund. Being an undeclared high school graduate, Roxana looked for humanitarian opportunities that could give her a sense of the work she wanted to dedicate herself to. For some time Roxana worked as an interpreter and translator in order to break language barriers for her local community. In June of 2016 Roxana found Financial Coaching at Capital Good Fund which made her realize her passion for social work. Financial Coaching has really impacted Roxana because she finds personal satisfaction in experiencing the third person perspective of her clients’ pathway to a stable financial life. Roxana is now a Loan Officer at Capital Good Fund and is pursuing her B.S.W. at Rhode Island College in Fall of 2017. She is also currently volunteering time to be part of the Coalition of Advocates for Student Opportunities, a team who focuses on creating equal educational opportunities for undocumented students. Roxana’s long term goal is to advocate for the low income and undocumented community nationwide.
phone: 866-584-3651, Ext. 141
Raul is another dedicated Capital Good Fund Team Member with strong Florida connections.
His early development years took place in the heart of Little Havana where he was a first
intrinsic account witness to the trials and tribulations of a hardworking and resourceful immigrant
community, this way of life was captured realistically and vividly in one of his favorite programs
“Que Pasa USA”. He attended the quintessential Miami Senior High School, moving on to
college, while also working to help with the household budget. His professional career actually
began in the Travel Industry where he had an opportunity to visit diverse destinations giving him
perspective and reflection on how different populations carry out daily living conditions. Most
recently he has been involved in community outreach within the Central Florida region where he
experienced the migration of residents from Puerto Rico and other Caribbean Islands due to the
Hurricanes and other major storms of 2017. These events where a catalyst and impetus
prompting him to find a viable and impactful way to assist these new residents to the area.
On the personal front Raul most values time with his incredible wife, family, and friends, he
prefers state parks to theme parks any day of the week, and takes off to the beach whenever
possible. You’ll also find him seeking rare finds at used bookstores, or catching up on the latest
phone: 866-584-3651, Ext. 160
Eliana is an alumni of AmeriCorps 2014, with 13 years of experience in customer service. After working at Citizens Bank, she decided to enter the unsecured lending realm. Eliana is passionate about helping people; she loves to see them accomplish their goals and dreams in life. She is always happy to be part of that process and enjoys being with Good Fund! In her role as Client Services Officer, Eliana works directly with clients to help them get the services they need. Outside of work, she enjoys reading, kickboxing, trying to stay fit, and living a healthy, meaningful life.
phone: 866-584-3651, Ext. 147
Alex is one of Good Fund’s Loan Servicing Officers. With banking experience and already having been part of a non-profit organization at the YMCA of Greater Providence, Alex is looking forward to being part of this mission and hold its values. While working at Bank of America, he realized he wanted to take that experience and face a new challenge where he can help people that can’t go to a regular bank for their financial needs. He is very impassioned about changing people's lives financially, no matter their circumstances. Alex is excited to be part of the growth Good Fund is experiencing. In his spare time, Alex plays soccer which is another passion of his and take his dogs for walks. Being from Rhode Island, he hopes to impact lives anywhere.
phone: 866-584-3651, Ext. 163
Vannessa works as a Loan Officer at Capital Good Fund, a nonprofit, certified Community Development Financial Institution that provides equitable financial services that create pathways out of poverty. In this role, she guides prospective clients through the process of applying for a loan, serviced existing borrowers, and works with the Lending Team to grow the business. She has also worked for Good Fund as a Loan Servicing Officer, a Financial Coaching Officer, and a Development Officer—granting her extensive experience in Good Fund's client services and fundraising efforts.
As a New Yorker with a heart in Rhode Island, Vannessa has learned to adapt to different environments and interact with diverse populations. She completed most of her studies at the Inter American University of Puerto Rico, where she pursued bilingual studies in Psychology. She is currently transferring to Rhode Island College to complete her final baccalaureate year before moving on to post-graduate studies.
Before joining Capital Good Fund, Vannessa worked as a Bachelor-Level Intern for the Bridge of Central Massachusetts, where she focused on milieu therapy and skills groups for adolescents with mental health challenges or developmental disabilities. She is a strong believer that your age or current situation does not reflect your abilities, experience and dedication to any task or goal; including financial stability and education. Outside of working and studying, Vannessa loves to dance, exercise daily and make everyone smile.
phone: 866-584-3651, Ext. 126
Isabel was born in Bronx, NY but came to RI in 2004. She is working on obtaining a bachelor's degree in Social Work, her hopes are to graduate in February of 2019. She has always had a passion for helping others and had a need to create change in her community. This need led her to work with at risk youth with City Year of RI and LGBTQ youth at Youth Pride.
Prior to joining Capital Good Fund she worked as a curative specialist at a title company; with this knowledge Isabel saw that she could use these skills to help her community prosper. Her compassion, detail oriented mind and creative thinking is what she is looking to contribute to Capital Good Fund.
When Isabel is not thinking about changing the world she is crocheting, book making, crafting and caring for her dog and two cats.
phone: 866-584-3651, Ext. 156
Monica is a born and raised Puerto Rican with a Bachelor’s degree in Social Science and Psychology. At the age of 22 she left her native Puerto Rico to travel around the world and worked in different areas in a face-to-face environment. This was an eye-opening experience that lead to a desire to help others.
Moving back to Puerto Rico after 8 years abroad, she became active in cancer relief efforts due to a personal lost. After Hurricane Maria struck Puerto Rico, Monica decided to relocate in Sarasota with her family for a better future for her children and to be able to be a link giving back to the community through Capital Good Fund.
Poor communities back home are still very affected due to the hurricane, many Puerto Ricans are moving to Florida and other areas in the United States to seek help. Through Capital Good Fund, Monica can assure having a lending hand to Puerto Rican and every other low-income resident. It is about changing lives for the best.
phone: 866-584-3651, Ext. 151
With a heart for people and passion to connect with them, Cesar is Capital Good Fund’s first on-the-ground staff member in the Sunshine State of Florida. Though born in Colombia, he was raised in Miami and wholeheartedly considers it his home or "casa." What drew him to Capital Good Fund is its mission to empower people with pathways out of poverty. Cesar is an active servant-leader on the worship team at VOUS Church in Miami and also serves in other areas. Whether on or off the platform, his love and passion for people remains evident in his day-to-day life. He lives by the statement “The Best Is Yet to Come" knowing that the best is still in front of him as it is for every beneficiary at Capital Good Fund. Outside of work hours you can catch him jamming on his guitar, play-fighting with his beautiful lab Eevee, or geeking out about Nintendo.
phone: 866-584-3651, Ext. 139
Dimitri’s interest in nonprofit development began while he interned with the Providence Children’s Museum. He found it both exciting and fulfilling to build relationships with individuals and businesses who support a great cause and share the same values as him. From there, Dimitri further sharpened his fundraising and development skills when he worked alongside the Major Gifts Fundraising team at United Way of Rhode Island. Now, he joins Good Fund ready to help the organization continue to grow and further their mission. Good Fund’s mission resonates with him because he is a lifelong resident of Rhode Island, and his love of community and devotion to help others was instilled in him at a young age. He resides in Warwick, RI with two rambunctious and lovable dogs, Bella and Luna.
phone: 866-584-3651, Ext. 164
Coptia first fell in love with computers in 1987 when her father brought home an Apple IIe. Her following years were spent toying with technology of all shapes, sizes and forms. After spending several years working in tech support, she attended the Art Institute, earning a bachelor’s degree in Web Design. She fell in love with programming while earning her degree and then enrolled in a web development immersive boot camp at General Assembly. Fresh out of General Assembly, she was drawn to Capital Good Fund because, having experienced poverty herself, she is passionate about the company’s mission. In her spare time, Coptia enjoys reading, writing and playing video games.
Gabrielle Blalock, Accounting Intern