Root Capital

Team

Executive Team
	Diego Brenes, Vice President of Lending, Origination Liam Brody, Senior Vice President of Business Development and Corporate Relations Bonnie Cockman, Senior Vice President of Finance and Operations William F. Foote, Founder and CEO Cindy Greene, Vice President of Global Programs José Luis Rojas Villarreal, Vice President of Lending, Portfolio Management
Root Capital Team - U.S Headquarters
	Lindsay Baker, Lending Assistant Brandon Boyle, Director of Loan Operations Lara Cote, Director of Marketing and Communications Patricia Lee Devaney, Director of Impact Assessment Samantha Fernandez, Investor Relations Associate Katie Ferrari, Executive Assistant Noelle Fogg, Business Development Assistant Carolyn Hwang, Human Resources and Office Manager Nery Joubert-Rivera, Accountant Emily Judem, Marketing and Communications Associate Stella Klemperer, Finance Associate Briana Malloy, Portfolio Analyst Marc Marrero, Office Assistant Brian Milder, Director of Strategy and Innovation Lubna Maria Nabi, Director of Fundraising Operations Jennifer Neira, Senior Accounting Manager Luis Miguel Ormeno, Investment Officer Ariel Pinchot, Philanthropic Investment Associate Greg Sheldon, Lending Intern Jen Stine, Director of Human Resources and Administration Karina Vadillo, Portfolio Servicing Associate Diego Valdivia, Investment Officer Bryan Woliner, Finance Analyst and Budget Manager
Root Capital Team - Field Locations
	Jerónimo Bollen, Regional Director, Latin America Julia Ricci Castellón, Office Assistant, Central America Roger Castellón, Investment Officer, Central America Rosario Castellón, Senior Monitoring and Investment Officer, Latin America Bamba Fall, Investment Officer, West Africa Manel Modelo, Director of Advisory and Training, Latin America Daniel Rivera, Investment Officer, South America Evelyn Rodas, Monitoring Assistant, Central America Nate Schaffran, Regional Director, Africa Lilian Soch, Administrative Assistant, Central America Miriam Taquire, Monitoring Assistant, South America Richard Tugume, Investment Officer, East Africa
Root Fellows
	Roselle Croitoru

Executive Team

	Diego Brenes, Vice President of Lending, Origination Mr. Brenes oversees the lending team, particularly focused on origination and evaluation of clients and deals. A Costa Rican national, Mr. Brenes worked as a financial controller and an investment officer with two venture capital funds in Central America prior to joining Root Capital. Before that, he worked in commercial banking as a branch manager, loan officer, and financial analyst. Mr. Brenes holds an M.Sc. in environmental science from Lund University (Sweden) and a B.A. in business administration from Universidad Autónoma de Centro América (Costa Rica). He is fluent in Spanish, English, and Portuguese.

	Liam Brody, Senior Vice President of Business Development and Corporate Relations Mr. Brody builds relationships with key partners in the private sector and directs Root Capital’s business development strategy. Prior to joining Root Capital, he served as deputy director of Oxfam’s private sector department. Previously, he was the director of sustainable coffee at Green Mountain Coffee Roasters and led Oxfam International’s campaign to end the global coffee crisis, which led to the introduction of Fair Trade-certified coffee by some of the world’s largest coffee sellers. Mr. Brody holds a Master of Education in Social Policy from the Harvard Graduate School of Education and a B.S. in Agricultural and Extension Education from Cornell University.

	Bonnie Cockman, Senior Vice President of Finance and Operations Ms. Cockman directs Root Capital’s finance, human resources, information technology, legal, and planning and reporting systems. Prior to joining Root Capital, Ms. Cockman worked as the vice president of finance for Conservation International over an 8-year period when the organization grew from $30 million in annual expenses to $115 million. She also worked as director of finance for Georgetown University’s Center for Intercultural Education and Development. Currently, she serves on the boards of Foundations of Success and the Massachusetts Climate Action Network. Ms. Cockman is a CPA and holds an honors degree in business from the University of North Carolina at Chapel Hill.

	William F. Foote, Founder and CEO Mr. Foote began his career as a financial analyst in the Latin American Corporate Finance group at Lehman Brothers, and as a journalist in Mexico and Argentina. In March 2008, he was named a Young Global Leader by the World Economic Forum, and he was named an Ashoka Global Fellow in September 2007. Mr. Foote is on the steering committee of the Aspen Institute’s Aspen Network for Development Entrepreneurs (ANDE) and is a life member of the Council on Foreign Relations. He also serves on the Boards of the Open Learning Exchange (OLE) and E&Co, which finances businesses that supply clean and affordable energy in the developing world. Mr. Foote holds a B.A. from Yale University and a M.Sc. in development economics and economic history from the London School of Economics. He is fluent in Spanish and Portuguese.

	Cindy Greene, Vice President of Global Programs Ms. Greene oversees Root Capital’s lending, education and training, and strategy and innovation efforts. Ms. Greene has extensive experience solving strategic, operational, and financial issues at international companies and nonprofits. Prior to joining Root Capital, she worked for Electric Insurance, General Electric’s insurance company, managing the growth and profitability of its Midwest business. Previously, she worked for The Boston Consulting Group and in investment banking for J.P. Morgan in New York and Venezuela. She is a Board member of the Finance Alliance for Sustainable Trade (FAST). Ms. Greene holds an M.B.A. from The Wharton School, an M.A. in international affairs from Johns Hopkins’ School of Advanced International Studies, and a B.A. in math and environmental studies from Dartmouth College. She speaks English and Spanish.

	José Luis Rojas Villarreal, Vice President of Lending, Portfolio Management As vice president of lending, portfolio management, Mr. Rojas oversees Root Capital’s lending program, particularly focused on monitoring, collections, and portfolio risk management. Prior to joining Root Capital, Mr. Rojas worked as an equity research associate at UBS Warburg in Mexico, as a pro-bono consultant at the Soros Foundation in Mongolia, a consultant at the United Nations in Ethiopia, and as an aluminum industry analyst/consultant at CRU International. He is currently a member of the Boston Securities Analyst Society, holds the Chartered Financial Analyst designation and serves in the board of directors of Equal Exchange. Mr. Rojas holds an M.I.A. in international finance and economic development from Columbia University, and a B.A. in international relations and economics from the University of Pennsylvania. A Mexican national, he is fluent in Spanish, English, and French.
Root Capital Team - US Headquarters
	Lindsay Baker, Lending Assistant Ms. Baker provides administrative support and executive assistance to Root Capital’s lending department. Prior to working for Root Capital, Ms. Baker taught English at a secondary school in Huércal-Overa, Almeria, Spain. Previously, she interned with Credivisión, a microcredit bank in Cusco, Perú, and also worked in the accounting department at Fleet Pride Inc., a national truck parts vendor. Ms. Baker holds a B.A. in foreign language (Spanish) and a B.S. in international business from Elmira College. She speaks English and Spanish.

	Brandon Boyle, Director of Loan Operations Prior to joining Root Capital, Mr. Boyle was a portfolio manager specializing in affordable housing at the Massachusetts Housing Partnership. He previously worked for four years at the Capital District Community Loan Fund, where he was responsible for the lending and portfolio operations. Mr. Boyle holds an M.P.A. from the University at Albany's Rockefeller College and an M.B.A. from the University at Albany. Prior to his graduate work he was a loan officer for Washington Mutual Bank, served as a Peace Corps volunteer in Kyrgyzstan and earned a B.A. in international studies from American University.

	Lara Cote, Director of Marketing and Communications Mrs. Cote oversees the organization's marketing, branding and communications initiatives. Prior to Root Capital, Mrs. Cote was the Director of Marketing and Public Relations at Year Up, a national education and workforce development program, and was responsible for branding, marketing, public relations and strategic corporate partnership initiatives. Previously, she was the Director of Marketing at ChildrenFirst, the nations leading provider of corporate-sponsored backup child care centers. Mrs. Cote holds an MS in Education from the Franciscan University of Steubenville and a BA from Boston College.

	Patricia Lee Devaney, Director of Impact Assessment Prior to joining Root Capital, Ms. Devaney was an independent consultant, focusing on microfinance research. She previously worked for five years at ACCION International, where she was responsible for the organization’s start-up poverty assessment project and other quantitative and qualitative research in microfinance. Ms. Devaney holds an M.P.A. from Harvard’s Kennedy School of Government and a B.A. in international studies from Colby College.

	Samantha Fernandez, Investor Relations Associate Prior to joining Root Capital, Ms. Fernandez was an associate consultant at The Bridgespan Group, a non-profit strategy consulting firm, where she conducted quantitative and qualitative analyses for strategic planning projects. In addition, she has had a wide range of experiences in the non-profit and philanthropic sector, including coordinating ESL tutoring programs for immigrant women and migrant farmworkers, volunteering at a South African AIDS orphanage, and interning at an education-focused New York City foundation. Ms. Fernandez holds a B.A. in economics and Latin American studies from UNC-Chapel Hill and has studied socioeconomic development abroad in Chile, Cuba, South Africa, and Tanzania.

	Katie Ferrari, Executive Assistant Before joining Root Capital, Ms. Ferrari spent a year teaching middle school English in Saint-Etienne, France. She graduated from Harvard College in 2005 with a B.A. in romance languages and literatures and spent her junior year studying at the Universidad de Buenos Aires in Argentina. After graduating, she served as student services coordinator at the David Rockefeller Center for Latin American Studies at Harvard where she managed all student programs, including grants, study abroad, and internships. Ms. Ferrari is fluent in Spanish and French and has a working knowledge of Portuguese.

	Noelle Fogg, Business Development Assistant Before joining Root Capital as the business development assistant, Ms. Fogg interned for the Root Capital executive office. She graduated from Wellesley College in 2009 with a B.A. in economics and Africana studies. While at Wellesley, Ms. Fogg spent a semester studying economic development in Uganda, where her research focused on grassroots initiatives and water and sanitation projects. She is the founder of the Southern Michigan Chapter of the American Friends of the Kigali Public Library (AFKPL), a nonprofit organization dedicated to building and establishing Rwanda's first public library. She is fluent in French and proficient in Luganda.

	Carolyn Hwang, Human Resources and Office Manager Prior to joining Root Capital, Ms. Hwang worked on the marketing team of an outdoor adventure school in Costa Rica. Previously, she was a Peace Corps volunteer in Northern Peru, where she worked with a municipal government to implement conservation programs and develop an ecotourism initiative. Ms. Hwang holds a B.S. in environmental sciences from the University of Michigan. She speaks Spanish and Mandarin.

	Nery Joubert-Rivera, Accountant Prior to joining Root Capital, Ms. Joubert-Rivera worked in banks and CPA firms in Puerto Rico. She also served as a Peace Corps volunteer in Romania. Ms. Joubert-Rivera holds a dual M.A in sustainable international development and conflict resolution and coexistence from Brandeis University and an M.B.A. from University of Puerto Rico. She is fluent in Spanish and English and conversant in Romanian.

	Emily Judem, Marketing and Communications Associate Prior to joining Root Capital, Ms. Judem spent a year teaching English in Quito, Ecuador. She graduated from Colby College in 2006 with a B.A. in American studies and creative writing. After graduating, Ms. Judem worked at Colby College’s Office of Communications where she created the college’s first podcast, now an award-winning publication series. She also studied at La Universidad de Salamanca in Salamanca, Spain and is fluent in Spanish.

	Stella Klemperer, Finance Associate Ms. Klemperer graduated from Brown University in 2006 with a B.A. in development studies and economics. While at Brown, she was president of her campus chapter of Oxfam America and an active member of United Students for Fair Trade. Ms. Klemperer joins Root Capital after a year-long fellowship in Amazonian Ecuador where she worked with the Kallari Association, an indigenous artisan cooperative.

	Briana Malloy, Portfolio Analyst Ms. Malloy currently works on the portfolio management team at Root Capital, focusing in the areas of loan closings, client account management and portfolio analysis. She graduated from Tufts University in 2005 with a B.A. in International Relations and Spanish Literature and a regional concentration in Latin America. She has also studied at the Universidad de Chile in Santiago and the Universidad de Sevilla in Spain. Prior to joining the lending team in 2007, Ms. Malloy worked as a program associate in finance and administration at Root Capital. She is fluent in Spanish.

	Marc Marrero, Office Assistant Before joining Root Capital, Mr. Marrero worked for a law firm in Boston and interned at the Chilean Supreme Court with Corporación de Promoción y Defensa de los Derechos del Pueblo (CODEPU), an international human rights organization in Santiago. A recent graduate of Tufts University with a B.A. in international relations, Mr. Marrero spent his junior year studying abroad in Santiago, Chile and Madrid, Spain. Mr. Marrero has also worked in various capacities with the American Civil Liberties Union as well as Marriott Hotels and Resorts. He is fluent in Spanish and conversant in Hebrew.

	Brian Milder, Director of Strategy and Innovation Mr. Milder coordinates organizational strategy and focuses on developing new markets and financial products to support Root Capital’s growth. Previously, he served as Boston site director for Project HEALTH, a national nonprofit organization that connects low-income families to the resources they need to be healthy. He also worked in Chile as an entrepreneur-in-residence for the Nonprofit Enterprise and Self-sustainability Team (NESsT), which operates a venture fund to incubate sustainable social enterprises. Mr. Milder holds a B.A. in social studies from Harvard College and an M.B.A. from Harvard Business School. He is fluent in Spanish and is on the Board of Directors of Patagonia Sur Foundation.

	Lubna Maria Nabi, Director of Fundraising Operations Ms. Nabi is responsible for overseeing Root Capital's fundraising operations and streamlining related systems. She comes to Root Capital from Design that Matters, where she led resource development and brand management. Before moving to Boston, she worked for the Catholic Archdiocese of Galveston-Houston, where she taught economic justice and led programs at the University of Houston’s Newman Center. Prior to this, Ms. Nabi worked as director of development at Teach For America–Houston. She has a B.A. from the University of Texas at Austin in economic development in Latin America, and an M.A. in international relations from Boston University. Ms. Nabi is fluent in Spanish and familiar with Portuguese. She is a first-generation American, has a Mexican mother and a Jordanian father, has traveled to 27 countries on six continents, and spent eight years of her youth living in Jakarta, Indonesia.

	Jennifer Neira, Senior Accounting Manager Ms. Neira completed a master's degree in public policy & administration with a certificate in Latin American studies from the University of Massachusetts Amherst. She has experience working abroad with a nonprofit business incubator in Cuenca, Ecuador where she assisted programs supporting entrepreneurship, small business development, and tourism in rural indigenous communities. Prior to completing her graduate work, she worked in the Trust Accounting & Reporting Department at Investors Bank & Trust for five years. Ms. Neira holds a B.S. in business administration from Bryant University with concentrations in finance and international studies and studied abroad in Granada, Spain. She speaks Spanish and German.

	Luis Miguel Ormeno, Investment Officer Prior to joining Root Capital, Mr. Ormeno worked for several years on conservation and development initiatives in the Amazon and Andes regions of his native Peru and in Guatemala’s Maya Biosphere Reserve. His work focused on helping communities improve their harvest and processing techniques; tap better markets for their existing products; and develop new products for export. Mr. Ormeno holds an M.A. in sustainable international development from Brandeis University. He is fluent in Spanish and English.

	Ariel Pinchot, Philanthropic Investment Associate Ms. Pinchot graduated from Cornell University in 2006 with a B.S. in development sociology and an interdisciplinary certificate in inequality studies. Prior to joining Root Capital, she conducted field research for a community health initiative in the northern coastal plains of Ecuador. Ms. Pinchot has also completed internships at various development organizations including Acción International and Oxfam America.

	Greg Sheldon, Lending Intern Mr. Sheldon joined Root Capital as a summer intern and has transitioned to a lending concentrated internship, in which he works on renewing and restructuring buyer finance loans. He is currently a student at Boston College, majoring in finance and economics. At Boston College he acts as an Off Campus Eagle Ambassador, helping to bridge the gap between the university and the local community. He has previously interned at Merrill Lynch and in his spare time enjoys baking and playing football.

	Jen Stine, Director of Human Resources and Administration Ms. Stine leads Root Capital’s human resources function, which includes staffing, strategic planning, and organizational development. Ms. Stine began her career as a field researcher at the Harvard Business School, spending nearly a decade working for the MBA and executive education programs. In addition to publishing case studies about leadership and organizational behavior, Ms. Stine collaborated with Harvard business and education faculty to develop innovative leadership curriculum, helping to create the HBS Leadership Initiative and the Public Education Leadership Project. Following her work at Harvard, Ms. Stine helped to launch a nonprofit practice for The Ariel Group, an international training company based in Lexington, MA, and worked as a nonprofit recruiter for the Nonprofit Professionals Advisory Group. She holds a B.A. in religion from Williams College and an M.A. in early adolescent education from Bank Street College.

	Karina Vadillo, Portfolio Servicing Associate Before becoming portfolio servicing associate, Ms. Vadillo interned at Root Capital, supporting the finance and administration team. She has volunteered with Global Learning, a non-profit organization that provides lessons to underserved public elementary schools, in San Jorge, Nicaragua. She has studied at the Universidad de Cordoba in Spain. Ms. Vadillo holds a B.A. in economics and Latin American studies from Wellesley College.

	Diego Valdivia, Investment Officer Mr. Valdivia, a Chilean national, holds a B.A. in business administration and a M.Sc. in finance from the Adolfo Ibañez University (Chile). Prior to joining Root Capital, he acquired extensive financial analysis and risk management experience through internships in the private sectors in both Chile and the United States. He has served as a volunteer in Chile, South Africa, and—currently—in Cambridge, where he participates in a Spanish language program for bilingual elementary school children. He is a native Spanish speaker and has developed English fluency through study abroad programs in England and at the University of the Witswatersrand in Johannesburg, South Africa.

	Bryan Woliner, Financial Analyst and Budget Manager Mr. Woliner is responsible for managing Root Capital's operating budget and for overseeing financial analysis and reporting. Prior to joining Root Capital, Mr. Woliner worked as a researcher and financial analyst for UNITE HERE Local 26, a labor union that represents hotel and food service workers. His prior professional experience also includes analytical research and financial analysis for Glass Lewis & Co., the Government Accountability Office (GAO) and the MBTA. Mr. Woliner holds an M.B.A and an M.S. in information systems from Boston University, a B.A. in political science from Oberlin College, and studied abroad at the University of Cape Town in Cape Town, South Africa.
Root Capital Team - Field Locations
	Jerónimo Bollen, Regional Director, Latin America Mr. Bollen most recently worked for Manos Campesinas, a premiere coffee cooperative in Guatemala, where he worked in sales, co-op management, farmer relations, and credit analysis. Mr. Bollen has served on various boards and councils devoted to advancing economic justice in Guatemala and has consulted to the Max Havelaar Foundation, one of Europe's leading fair trade certification organizations. Mr. Bollen holds an M.B.A. from the Universidad Rafael Landívar in Guatemala, as well as degrees in business communications and international marketing management from universities in The Netherlands. He is fluent in Dutch, Spanish and English.

	Julia Ricci Castellón, Office Assistant, Central America Before joining Root Capital as an office assistant based in Nicaragua, Ms. Castellón was an administrative advisor for a transportation cooperative and responsible for administrative management under the Ministry of Finance and Public Credit. She has a B.A. in Pharmacology and Chemistry, and a degree in community development and accounting, with a focus in preventative and reproductive health, hygiene, and epidemiology.

	Roger Castellón, Investment Officer, Central America Before becoming a Root Capital investment officer, Mr. Castellón worked with Root Capital’s financial education and training project, PorFin, in Mexico and Central America. He has more than 15 years of experience as an international consultant in microfinance, credit, and other areas of business development. For his entire life, Mr. Castellón has worked to better the lives of small-scale producers from Central America, the Caribbean, and South America. He has also worked as a university professor in various regional masters’ programs, and as counsel for various programs at prestigious Latin American development organizations. Mr. Castellón holds an M.Sc. in agrobusiness economics from Southern Illinois University and a B.Sc. in farm management from the Technological Institute of Costa Rica.

	Rosario Castellón, Senior Monitoring and Investment Officer, Latin America Based in Managua, Nicaragua, Ms. Castellón is an agrarian economist who has served as, among other things, the general manager of PRODECOOP, a federation of coffee farmer co-ops in northern Nicaragua; the producer relations manager at Equal Exchange, the first US-based Fair Trade importer; and as project director for a coffee quality program jointly funded by Starbucks Coffee Company and Oxfam International in Mexico.

	Bamba Fall, Investment Officer, West Africa Prior to joining Root Capital, Mr. Fall was the Small Enterprise Program manager for the Peace Corps in Senegal. He is also the founder and past director of Sahre Kumba consulting group, a company providing business management consultancy services to small and medium enterprises. Mr. Fall is a certified financial management trainer and has taught accounting and managerial finance. He holds an M.B.A from the International School of Management in Dakar and an M.A. in economics from the Université Cheikh Anta Diop. He is fluent in French, English and Wolof.

	Manel Modelo, Director of Advisory and Training, Latin America Mr. Modelo manages Root Capital's financial education project in cooperation with EARTH University. Mr. Modelo has worked in a producer support program at Twin/Twin Trading, a U.K. foundation and leading Fair Trade importer. Based in San Cristobal de las Casas, Mr. Modelo assisted small-scale coffee growers in southern Mexico and Nicaragua strengthening their financial, productive, organizational, and commercial capacities. Mr. Modelo has also worked for Setem, a non- profit organization that provides financial education to fair trade coffee growers in Mexico, El Salvador, and Nicaragua, while helping them access the Spanish Fair Trade marketplace. With significant experience in coffee exporting, micro-lending, and commercial banking, Mr. Modelo is a graduate of the Spanish National University where he majored in sociology and has done postgraduate work in international development and education. He speaks English, Spanish, and Catalan.

	Daniel Rivera, Investment Officer, South America Mr. Rivera leads Root Capital's South American office. His experience and skills include financial analysis, project evaluation and monitoring, and economic research. Prior to joining Root Capital, he worked as a financial manager at Rainforest Trading, a consortium supporting the business interests of coffee farmers in Peru; he also worked as a loan analyst at Banco del Trabajo, in the microfinance industry. He holds a B.A. in economics from Catholic University in Peru.

	Evelyn Rodas, Monitoring Assistant, Central America Prior to joining Root Capital, Ms. Rodas worked for Manos Campesinas, a small coffee producer association financed by Root Capital, where she was responsible for internal control systems and third party certifications. Previously she worked for the community development organization, Asociación Patronato Vivamos Mejor Guatemala, as a field extension technician and for the Swedish Cooperative Center where she served as a project coordinator. Ms. Rodas graduated from San Carlos University in Guatemala with a degree in agricultural engineering focused on agriculture production systems.

	Nate Schaffran, Regional Director, Africa Mr. Schaffran is Root Capital’s regional director for Africa. He previously worked as a business accounts manager at TransFair USA, the U.S. certifier of Fair Trade products. Prior to that he worked in Nicaragua with Cooperativa Juan Francisco Paz Silva, a sesame production and export cooperative. Mr. Schaffran holds an M.S. in foreign service, with a concentration in international development from Georgetown University, and a B.A. in economics and political science from Swarthmore College. He is fluent in Spanish.

	Lilian Soch, Administrative Assistant, Central America Prior to working for Root Capital, Ms. Soch worked as an accountant for the Guatemalan company CORCABASA. She also worked as an assistant in the accounting department of Edire, Inc., a company in Guatemala that publishes a weekly bulletin, and as an adminstrator at a local shopping center. A certified accountant, Ms. Soch holds a B.A. in auditing and certified public accounting.

	Miriam Taquire, Monitoring Assistant, South America Before working at Root Capital, Ms. Taquire was responsible for credit and payment at AICASA, a company dedicated to the international trading of coffee. Previously, she worked as a credit analyst at Derrama Magisterial and COOPAC Atlantis, financial services companies.

	Richard Tugume, Investment Officer, East Africa Mr. Tugume, a Ugandan national, is Root Capital’s investment officer for Africa. He previously worked as a Senior Financial Controller for Kilicafe, a Fair Trade-certified, coffee producing farmer association in Tanzania. Prior to that, he worked in Uganda as an external auditor with PriceWaterhouseCoopers and as a financial accountant with TechnoServe Uganda. Richard holds a Bachelors of Commerce (Accounting), ACCA, and is currently pursuing his MBA in international business management at the Nairobi University in Kenya. He is fluent in English, Swahili, and a number of native Ugandan languages.
Root Fellows
	Roselle Croitoru Ms Croitoru’s work at Root Capital focuses on supporting the strategic partnerships department in collecting information and drafting investment proposals. In addition, Ms. Croitoru assists the portfolio management department’s ongoing monitoring operations and is responsible for designing an early warning system for managing risk of current and potential investments. Prior to joining Root Capital as a fellow, Ms. Croitoru had a full-time position at the organization as the global monitoring analyst. In this role Ms. Croitoru was responsible for centralizing monitoring processes and helped to design and implement Root Capital's risk rating system. Previously, Ms. Croitoru interned at the Washington Office on Latin America where she focused on economic issues, as well as at Banco Sudameris in Bogotá, Colombia, where she worked at the foreign exchange trading room. Ms. Croitoru holds a B.A. in economics and international relations form Boston University and is currently pursuing a graduate degree in international business at Tufts University’s Fletcher School of Law and Diplomacy.