2013 Expert Resources

Finalists selected into FinCapDev will have access to valuable resources and leading minds from the technology and financial industries. From product ideation to engineering to to-market strategies, these experts have been assembled to make sure FinCapDev Finalists build great apps.



Licenses to Yodlee’s software development kit: Yodlee will offer evaluation SDK licenses for up to 25 finalists. 

Access to the Braintree’s Payment Gateway: Braintree is offering two finalists access to its payment gateway by waiving fees, essentially giving finalists their first $10,000 dollars in processing for free, along with covering all related interchange costs.

Access to EachScape’s app development environment: Eachscape will provide selected finalists access to their drag and drop platform to build their mobile apps. They will also couple access to its platform with mentorship from experts at Eachscape. 

Deloitte will provide select FinCapDev Finalists with access to Deloitte Analytics Highly Immersive Visual Environment (the HIVE) located in Rosslyn, Virginia. The HIVE accelerates ideation and design thinking for analyzing information and prototyping interventions.




H&R Block:





Richard Char, Managing Director and Global Head of Digital Networks and Retailer Programs, Citi Enterprise Payments (CEP)

Richard is responsible for overall business development for CEP’s Money2 digital wallet, primarily working with leading mobile network operators, leading retailers, and large digital payments OEMs. Richard is also responsible for CEP’s merchant funded offers programs using our proprietary predictive analytics and Citi Big Data. Richard has expertise in the areas of digital payments, targeted offers and analytics, retailer marketing services, consumer incentives. Earlier in his career, Richard was CEO of a number of private technology companies, a senior technology investment banker (Managing Director and Global Head of Execution with the Credit Suisse First Boston Technology Banking Group and Co-Head of Technology Investment Banking at Cowen & Company) and a partner in a Silicon Valley law firm (Wilson Sonsini Goodrich & Rosati). Richard has served as a director with more than 15 public and private companies. He has an AB in economics from Harvard College and a JD from Stanford Law School.

Aditya Menon, Managing Director Global Mobile Strategy, Citi

Aditya is responsible for MAC, a mobile analytics capability team as well as spear heading global strategy initiatives around Citi global digital capabilities. Prior to Citi he served as Executive Vice President of Global Alliances at Obopay Inc. He has also served as its global head of Product Management, CIO and CTO since January 2007. He has designed several successful mobile money ecosystems in the US with MasterCard, Africa with SG and India with Nokia Money. Prior to Obopay, Aditya was the CIO of YES Bank and formerly Group CIO of mPhasis. He has been a two time entrepreneur in the transaction banking systems space founding Visual Web Solutions Inc. in 1993, and prior to that Tiger Systems Inc in 1989. He is based in Bangalore India.


Vishal Kapur, Principal, Systems Integration

Vishal is a principal in Deloitte’s Technology practice and focuses on solving some of the toughest challenges faced by his clients in the commercial and federal financial services industry through innovative information and technology-enabled solutions. His expertise is in providing advisory and implementation services to our clients to solve their mission challenges using business-technology disciplines such as Information Acquisition and Aggregation, Information Integration, Solution Architecture, Advanced Analytics and Research. Vishal has broad and deep experience in all aspects of solution development including project planning, requirements elicitation and prototyping, solution design and development and large scale program management disciplines. Over the last few years, Vishal has been especially focused on applying emerging technology enablers in the ‘post-digital’ era including Social Business, Mobile Computing, Cloud, Geospatial analysis and advanced visualizations, as well as tenets of design-thinking, user-centric application development and agile implementations for strategic solution initiatives. He has a Masters in Mathematics and Computer Science from Indian Institute of Technology (IIT), India.

J R Reagan, Principal, Deloitte Federal Chief Innovation Officer

JR Reagan is the US Federal Chief Innovation Officer and leads Deloitte’s Center for Cyber Innovation. He has more than 25 years of financial, commercial and public services sector experience managing cybersecurity, technology and innovation initiatives in more than 20+ countries worldwide, with clients such as the Federal Deposit Insurance Corporation, US Census Bureau, Dept. of Homeland Security, Dept. of Health & Human Services, Dept. of Agriculture, US Patent & Trademark Office, National Security Agency (NSA), Defense Intelligence Agency, Federal Bureau of Investigations, National Aeronautics and Space Administration, Defense Information Systems Agency, Defense Advanced Research Projects Agency, Joint Chiefs of Staff, Air Force, Navy, Marine Corps, and Army, as well as Citibank, Bank of America, eBay, Microsoft, and the governments of Saudi Arabia, Ireland, Canada, United Kingdom, France, and India. JR is the recipient of the 2011 ISC2 Americas Information Security Leadership Awards

Ali Bandukwalla, Senior Manager, Information Management

Ali has over 12 years of experience with Deloitte, focused on bringing innovative data analytics and visualization solutions across traditional web-based and mobile platforms to solve some of his clients most critical business challenges. As a leader in Deloitte’s Big Data Analytics solution group, he uses his extensive data management and analytics experience along with advanced visualization techniques to extract insight from large data sets. Throughout his career, he has helped clients address a range of issues, including consumer financial protection, compliance and risk management, operations improvement, and post-merger integration. His clients include federal financial regulatory agencies, banking, and high-tech organizations. Ali has authored many internal and external publications addressing a range of topics, such as, effective information governance, M&A integration, enterprise data management, Big Data analytics and predictive modeling. He has a Masters in Engineering from the University of Southern California.


H&R Block:

Chip Coons, President at RedGear Technologies (H&R Block’s third-party tax preparer platform)

Chip has 15+ years of software development and management experience in financial systems, security systems, desktop applications, and enterprise architecture. He is PMP certified with broad experience in large scale project management efforts. He is interested in IT strategy definition as well as creating organizations capable of executing and sustaining a comprehensive IT strategy. 

Jim Koger, VP and COO, H&R Block Bank

Jim is a seasoned professional with a background in management consulting and consumer financial services. He began his career with Deloitte Consulting, where he spent nearly 13 years executing and leading IT engagements from strategy to software selection, custom development and implementations. He joined H&R Block in 2002 to lead strategic projects for the Company and after leading engagements related to Block’s IT, Call Center, Brokerage, Mortgage and M&A activities, he joined the core team to charter and build out its banking platform. As Chief Operating Officer for H&R Block’s Bank, he plays an integral role in developing its products, namely the Emerald suite of products (Emerald Prepaid MasterCard, Emerald Advance line of credit and Emerald Savings), settlement products and traditional banking products. He’s responsible for technology platforms, including integrating products with the tax event across our 10,000+ retail offices and Block’s digital tax products and the different banking channels to serve clients (including mobile, online, IVR/call center, in office support platforms).

Andrew Dextraze, Director of the Mobile Center of Excellence, H&R Block

Andy leads the Mobile Center of Excellence and is responsible for the planning and implementation of all mobile applications. His most recent work includes the debut of H&R Block’s Emerald Card mobile banking application. This application is the first of its kind incorporating the features of a prepaid card with functionality of Check to Card (RDC) with instant access for card-holders. He has worked for H&R Block for 6 years, and has over 20 years of experience managing large scale computing systems for companies such as American Airlines, Sabre, and United Healthcare. Andy attended the University of Arizona where he received his Bachelors Degree in Systems Engineering.

Susan Ehrlich, President, Financial Services at H&R Block

A high-energy executive in consumer financial services, Susan joined H&R Block to develop and execute on a strategy to create the offerings for H&R Block to become the financial solution provider of choice for the un- and under-banked. For nearly 5 years, she led Sears Financial Services–providing innovative financing and payment solutions including an extensive portfolio of credit, layaway, prepaid, gift card and transactional banking services. She has been selected for the past three years as one of the Top 25 Women in Finance by U.S. Banker–an honor highlighting top performers in the securities, asset management, retail finance, insurance, and private equity businesses. 


Christopher Daggett, Senior Associate, ideas42

Christopher works on technology ventures and projects in consumer finance, economic mobility, and healthcare. Prior to joining ideas42, Christopher worked in the Strategy & Organization team at Booz Allen Hamilton. In this role, he advised federal agencies on strategic planning, business transformation, and regulatory compliance. While at Booz Allen Hamilton, he also served as an adviser to the Nudge blog, the online companion to the best-selling book Nudge: Improving Decisions About Health, Wealth, and Happiness by Richard Thaler and Cass Sunstein. Prior to that, Christopher worked at PricewaterhouseCoopers, where he advised clients on financial management activities, including audit, controls, governance, and organizational design. Christopher holds a B.A. in Political Science from The George Washington University (GW). While studying at GW, he worked as an intern in the United States Senate.

Matthew Darling, Senior Associate, ideas42

Matthew works on projects in poverty, health and labor economics. He graduated from Hampshire College with a self-designed concentration in economics and cognitive science, and from Tufts University with a master’s of science in economics. He has previously worked as a consultant at Kohlberg and Associates, and as a research assistant at the Stanford Neuroeconomics Lab.

Katy Davis, Senior Associate, ideas42

Katy specializes in consumer finance and international development projects. As a student at Yale School of Management, Katy conducted research that applied insights from the behavioral sciences to microfinance and savings products. In addition, Katy led consulting engagements with Sustainable Harvest in Peru and Self-Employed Women’s Association (SEWA) in India. Previously, she worked at Glass, Lewis & Co., LLC as a mergers and acquisitions analyst. She also served as a Peace Corps volunteer in Okakarara, Namibia. Katy graduated Phi Beta Kappa from Reed College with a B.A. in Mathematics and holds an M.B.A. from Yale School of Management.

Marina Dimova, Senior Associate, ideas42

Marina works on behavioral innovations in consumer finance and international development. Her recent work includes a study on the psychology of distressed mortgage borrowers, and projects in consumer banking and credit cards. Prior to ideas42, Marina was an Associate Director of Research at Ikatu International where she developed and executed strategic research on entering the youth employment market in West Africa. She has also worked on agricultural value chains and private sector development with the World Bank in Ghana, and finance litigation and healthcare outcomes research with NERA Economic Consulting and Analysis Group. Born and raised in Bulgaria, Marina came to the U.S. as a Global Scholar at Franklin & Marshall College, where she graduated with degrees in Economics and Government. She holds an M.P.A degree in International Development from Harvard Kennedy School.

James Kimmel, Analyst, ideas42

Jamie works on the facilitation of a national, multi-university experiment, as well as the development of a master-list of behavioral economics applications. Jamie holds a B.A. in Economics from the University of Pittsburgh, where he was the President and Founder of the Innovative Economics Initiative, a student-run organization that designed and implemented behavioral economics experiments. His work from that organization has been featured in Fast Company, the Hunting Dynasty and multiple other blogs. 

Ruirui Kuang, Analyst, ideas42

Ruirui works on behavioral research and intervention design for disadvantaged populations in the U.S. and the developing world. Previously, Ruirui was awarded the Idea Translation Lab Fellowship to pursue an entrepreneurship project focused on developing scent-based learning tools for children with dyslexia. She was also a Finalist in the President’s Challenge, an entrepreneurship and social impact competition sponsored by the Harvard Innovation Lab and President Drew Faust. Her senior thesis focused on the social significance of representations of women in Shanghai’s print media in the 1920s-30s. She has also done research on topics such as the potential of smartphone applications to combat drunk driving and the influence of architecture on the formation of social networks. She holds a B.A. in History from Harvard.

Louis Potok, Analyst, ideas42

Louis works on the application of behavioral economics to domestic human services programs and to building financial capability in emerging markets. Previously, he worked as a Research Coordinator at the Center for Population Economics, a division of Chicago Booth, where he conducted and managed the design, collection and analysis of historical data sets to study economic, demographic and epidemiological processes. He holds a B.A. in Economics from the University of Chicago and is on the Junior Board of SparkVentures, a Chicago-based nonprofit that partners sustainably with grassroots organizations in the developing world.


Dan Perkel, Design Researcher, IDEO

As a Design Researcher at IDEO, Dan studies how individuals and groups use technology in their daily livesÑat work, at home, and everywhere in between. He is an expert in ethnographic research that incorporates digital methods. At IDEO, Dan has worked across a range of industries, including financial services where he applied design research to helping people plan and save for their future financial well-being. Prior to joining IDEO, Dan earned a PhD from the School of Information at the University of California, Berkeley.

Alastair Warren, Interaction Design, IDEO

Alastair is an interaction design intern at IDEO, with a cross-disciplinary background in web and product design. Bringing a passion for human-centered design to the table, Alastair is honing his empathetic design skills in Sweden’s Umeå Institute of Design (MA Advanced Product Design, ongoing), previously having achieved a BDes in Industrial Design with the highest honors at Massey University in New Zealand, and having engaged in American design culture at San Jose State University on exchange. Having worked in four countries and lived in six, diverse cultural interests and a curiosity in people are defining traits of his. Recently Alastair has become interested in behavioral insights and choice architecture, and their implications on financial decision making. He holds multiple prestigious design awards, including two international Core77 Design Award Runner-Ups, and Gold, Silver, and Bronze awards in the New Zealand Best design awards.



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