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 Doubell is the founder and Managing Director of Cenfri and theme manager to the FinMark Trust, responsible for their work in microinsurance and retail payment systems. He is a development economist by training, specialising in financial inclusion innovation, financial sector policy and regulatory strategy for development, access to financial services and supporting governments on making markets work for the poor. Doubell has extensive experience in microinsurance, AML/CFT, distribution of financial services, optimal regulation for market development and has worked across the developing world including Africa (Botswana, Ethiopia, Kenya, Lesotho, Mozambique, Namibia, South Africa, Swaziland, Uganda, Zambia) , Latin America (Brazil, Colombia, Mexico) , South and Southeast Asia (India, Pakistan, Indonesia). Previously he was employed as a freelance consultant to the FinMark Trust and an engagement manager at Genesis Analytics.
Doubell holds a Master Degree in Economics (cum laude), BComm Honour in Economics (University of Stellenbosch/Free University of Amsterdam) and a Bachelor in Mathematics (University of Stellenbosch, South Africa).
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 Anja is a Director at Cenfri. She is a development economist by training, with experience in financial sector policy and regulatory strategy for development, access to financial services and supporting governments on making markets work for the poor. Anja has extensive experience in the areas of consumer protection, financial literacy, optimal regulation for market development and optimal distribution of financial services gained from her work across Latin America (Mexico, Colombia and Brazil) and Africa (South Africa, Uganda, Ethiopia, Kenya, Nigeria etc.,). Before joining Cenfri in 2008, Anja spent three years working in the access to financial services practice area of Genesis Analytics.
Anja holds a Masters in Economics (cum laude), BA Honours in Economics (cum laude) and BA in Value and Policy studies (University of Stellenbosch, South Africa).
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 Hennie is an Independent Consultant with Cenfri. Since joining Cenfri in early 2008 Hennie has worked on various projects across Latin America, Africa, South and Southeast Asia focused on the broader area of financial inclusion. Before joining Cenfri Hennie was Director of Genesis Analytics for 6 years. At Genesis, Hennie led the public interest strategy and access to financial services work. This included work on institutional design, investment climate facilitation, market regulation, access to financial services, regional market integration, and economic sector development. Prior to joining Genesis, Hennie was Practicing Lawyer, Member of National Parliament and Provincial Legislature, Minister of Economic Affairs and Tourism for the Western Cape and later Minister of Safety.
Hennie holds a Masters of Law (University of Cambridge, UK), Bachelors of Law (cum laude) and a BComm Honours in Economics (University of Stellenbosch, South Africa).
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 Christine is an Engagement Manager at Cenfri and has been part of the team since 2008. She finds the interplay between regulation, markets and ordinary people’s lives fascinating and has done various studies in the microinsurance, retail payments and financial inclusion field more broadly. She actively contributes to the management of the FinMark Trust insurance and retail payment systems theme areas and supports the work of the Access to Insurance Initiative (A2ii) Secretariat. Through various projects, she has gained exposure to the country context in Asia (India, Philippines, China, Indonesia), Latin America (Brazil, Colombia) and Africa (e.g. Zambia, Swaziland, Mozambique, Nigeria). Before joining Cenfri, Christine worked as an Associate at Genesis Analytics. Her work there was focused predominantly on access to finance and more specifically financial education, microinsurance and AML/CFT. She has also worked on sector development and competition economics-related projects.
Christine holds a Masters in Economics, BA Honours Economics and BA (all cum laude) from the University of Stellenbosch, South Africa.
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 Herman is a Research Associate at Cenfri. Since joining Cenfri at the beginning of 2009, his research has focused on the broader area of financial inclusion and more specific areas of retail payments systems, Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) and microinsurance. His research work in Africa, Latin America and East Asia is predominantly focused on innovation in the delivery of financial services to low-income people. Before joining Cenfri, he lectured economics at London Varsity in Cape Town, South Africa. During his studies in the Netherlands, he also interned at PriceWaterHouse Coopers in Amsterdam.
Herman holds a Masters in Economics (Tilburg University, Netherlands), specialising in Competition and Regulation, BCom Honours in Econometrics and a Bachelors in Statistics (University of Pretoria, South Africa).
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Bhairav is a Research Associate at Cenfri and joined the team in 2011. His research has focused thus far on the impact of global standard setting bodies upon financial inclusion in the context of Brazil, regulatory advocacy and market analysis in Mozambique and insurance development in SADC countries. Prior to joining Cenfri, he has worked at Portland Communications on a number of international communications campaigns in the wider development sector, focused on Africa, Latin America and the Middle East, including a special research assignment on the use of mobile phones in emerging markets for an international German broadcaster.
His earlier career has been in private wealth management (Latin America region) at Credit Suisse. Other research roles include consultancy at the United Nations Development Programme in Brazil and business development at the BBC.
Bhairav holds an MPhil in Development Studies (University of Cambridge, UK) and BA (1st class honours) in Spanish and Portuguese (University of Bristol, UK)
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 Sandisiwe is a Researcher at Cenfri and joined the organization at the beginning of 2010. Sandisiwe’s particular area of interest is the relationship between the political and economic spheres. She has worked on a broad range of projects within financial inclusion focusing on consumer education, microinsurance regulation, and the impact of financial regulation on financial inclusion. Specific projects that Sandisiwe has worked on include the provision of technical advice and support to the Mozambican IGS office, an assessment of the 90-day Zimbabwean visa as a tool for financial inclusion, financial inclusion scoping visits to Mozambique and Zimbabwe as well as an assessment of the South African Insurance Association’s consumer education projects.
Sandisiwe holds a Masters in Economics (Rhodes University, South Africa), a Bachelor of Economics Honours (Rhodes University, South Africa) and a Bachelor of Commerce in Economics and Management (Rhodes University, South Africa).
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 Grieve is a Researcher at Cenfri. After assisting Cenfri part-time for nearly two years Grieve joined the Cenfri team on a full-time basis in early 2011. His work has focused primarily on the delivery of microinsurance in Africa with a keen interest in developments in Southern Africa. Before joining Cenfri, Grieve worked as a Management Associate for Citi Africa based in Johannesburg. Whilst at Citi, Grieve completed various assignments in Nigeria, Kenya, South Africa and the Democratic Republic of the Congo covering systems integration, credit analysis and new business development. Before Citi, Grieve worked as an Operations Assistant for Standard Chartered Bank Zambia and before that interned with the Central Bank of Zambia.
Grieve holds a Masters in Economics (University of Cape Town, South Africa), BCom Honours specialising in Economics (University of Cape Town, South Africa) and a BA specialising in Economics and Statistics (University of Zambia).
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 Mia is a Reseacher at Cenfri. Since joining Cenfri in 2011, Mia has focused on exploring the opportunities for microinsurance development in African countries. Before joining Cenfri, Mia was a Research Assistant for the Social Policy Research Group at the University of Stellenbosch where her research focused predominantly on the economics of education.
Mia holds a Master Degree in Economics, BComm Honours in Economics and a Bachelor in Mathematical Sciences (Stellenbosch University, South Africa).
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Tessa is Cenfri’s Office Manager and joined the team in early 2009. She has more than 20 years experience in the private, academic and not-for-profit space having previously worked at institutions such as the Labour Research Services, as an Administrator, the Economic Policy Research Service (University of the Western Cape), as Project Administrator and Financial Manager, and IN-FORM Systems as a Financial and Office Manager. Tessa is passionate about supporting development with a particular focus on labour. Tessa is an avid walker and takes to the streets of Cape Town between work and raising her twin sons and daughter.
Tessa holds a Bachelors of Art specialising in Environmental and Geophraphical Sciences and Public Administration (University of Cape Town, South Africa).
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