Staff Directory

Denise Dias

Senior Financial Sector Specialist

Denise Dias works primarily for the Policy Pillar at CGAP. She's specialized in prudential and market conduct financial regulation and supervision with focus on digital finance and payments. She has collaborated with CGAP since 2007, both as a consultant and as a staff member, including as manager for Latin America and the Caribbean.

Denise has over 16 years of experience with policy, regulation and supervision, and has acted as a bank examiner in the Central Bank of Brazil (prudential and market conduct). Prior, she founded and managed an internet marketing business in Brazil, and audited government programs for the Brazilian Ministry of Finance. She also works with other organizations such as the World Bank, GIZ, and Bankable Frontier, and frequently acts as a Program Leader for the Toronto Centre.

Denise holds an MBA in international banking and finance, an MBA in financial sector economics, and a bachelor’s degree in business. She speaks Portuguese and Spanish.

By Denise Dias

Blog

Basel Blesses Microfinance

Financial inclusion is moving beyond national boundaries to the international stage and the standard-setting bodies.
Research

Protecting Branchless Banking Consumers

Transformational branchless banking heightens the consumer-related concerns of regulators and supervisors because it combines the use of agents and technology-enabled devices to serve large numbers of less educated and inexperienced customers.
Research

Financial Inclusion and Consumer Protection in Peru

CGAP partnered with the Superintendence of Banks, Insurance and AFPs of Peru in late 2008, with the purpose of enhancing the understanding of the issues and trends in consumer relations when financial services are delivered through branchless banking, particularly through agents, which are used in ever increasing scale in Peru.
Research

Branchless Banking and Consumer Protection in Brazil

As part of its Global Policy Initiative, CGAP partnered with the Central Bank of Brazil in late 2008, to learn more about the issues and trends in consumer relations when financial services are delivered through branchless banking. This report highlights some of our findings.
Research

Branchless Banking Policy and Regulation in El Salvador

These notes offer details on CGAP's findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in late 2008 in El Salvador.