Andy Posner founded Capital Good Fund 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 Founder of Grameen Bank, 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
During Libby's five years at Capital Good Fund, she has transformed the organization related to the development and implementation of programs, technology systems, and financial management.
Prior to starting at Capital Good Fund in 2010, Libby had a number of accomplishments in related positions. She served as Energy Program Manager at the District Department of Environment in Washington, DC. There, Libby designed, planned, and executed the Energy Program of the nation’s largest youth green jobs program. In this program she recruited, trained, and managed 11 supervisors to work with 120 District youth ages 14-21, while developing work plans for three projects with multiple grant partners, engaging youth in energy-efficiency retrofits in 600 residences, community organizing, and green construction. Before then she was the Project Manager of Project 20/20, an EPA Merit Award-winning initiative of Brown University and Wal-Mart which retrofit lighting in 5,321 low-income RI residences with 65 part-time employees and a $200,000 budget.
Libby has been an active mentor with Foster Forward’s Real Connections program since 2011, working with the same youth, now aged out of foster care. Libby is a member of the West Broadway Neighborhood Association and the Federal Hill Commerce Association, and serves as President and Treasurer of the Federal Hill Condominium Association. She is also an active volunteer and former Council Member with start-up Urban Greens Food Cooperative. Finally, she is a proud alumna of the AmeriCorps VISTA program.
phone: 866-584-3651, Ext. 104
Jose Fonseca started as the Data Analyst at Capital Good Fund in the Spring of 2013. He has an interest in issues related to entrepreneurship, education, and good governance and has a knack for technology and research. He spent the summer of 2010 at the Dubai School of Government supporting research related to education, entrepreneurship, and urban growth. In 2012, Jose helped identify workplace productivity issues at federal agencies while working at the Partnership for Public Service. Jose hails from Southern California, where he earned a bachelor’s degree in Business Administration from California Lutheran University, and a Master’s of Public Policy from Pepperdine University.
phone: 866-584-3651, Ext. 110
Rachel is an adoptive Rhode Islander who graduated from Providence College in 2012 with degrees in Global Studies and Art History. Her studies cultivated a desire to work for social justice and change in communities both local and abroad. Prior to joining the Capital Good Fund team, Rachel served as an AmeriCorps VISTA at the Community College of Rhode Island where she gained operational management experience. Currently she manages the coaching department, including a Randomized Control Trial being conducted in partnership with the Providence Public School Department.
phone: 866-584-3651, Ext. 114
After graduating from Arizona State University with a degree in graphic design, Charles moved to Rhode Island. Seeking a meaningful line of work, Charles started at Capital Good Fund. He now manages the organization’s image through design, video editing, marketing, and more. Charles does what he loves while furthering a great cause—it doesn't get much better than that. In addition to creative outlets, Charles’s basic needs include *time outdoors* and chocolate milk.
phone: 866-584-3651, Ext. 107
Muna moved from Atlanta, Georgia to attend Brown University and graduated with the class of 2014, with dual degrees in Africana Studies and Slavic Studies. Her interdisciplinary work has included writing plays. This is her first year as an AmeriCorps VISTA but her second year working at Capital Good Fund. In addition to being a Financial Coaching Fellow at Capital Good Fund, she was an English language consultant serving Brown international graduate students. She loves new languages, different cultures and exciting foods. In her downtime, she likes well-written scripted dramas, throwing dinner parties, and shopping her feelings.
phone: 866-584-3651, Ext. 121
Diane’s career in human resources includes experience in the private and nonprofit sectors as well as consulting to companies and organizations too small to have a formal human resources function. She is a member of Society for Human Resource Management (SHRM). Her life-long volunteer experience includes participating as a member of the board of directors of a credit union, tutoring, career coaching, serving on employment committees of nonprofit community agencies, preparing income taxes through the IRS VITA program, and serving as job bank developer for Job Club RI. Diane has a special interest in career coaching, and she was drawn to joining Capital Good Fund's team dedicated to social change.
phone: 866-584-3651, Ext. 125
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 new loan officer 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
Joyce is a native Rhode Islander who grew up on the East Side of Providence. She is a product of public schools and a proud alumnus of Rhode Island College and New England Tech with degrees in Liberal Arts and Computer Programming respectively. Joyce has spent most of her working career in the non-profit arena and appreciates mission and vision versus bottom line and profit. Joyce has two (2) children Daria (22) and David (19). She enjoys singing in her spare time and is very involved in her church where she directs the gospel choir. She also serves as treasurer for a 501(c)(3) community choir, RPM Voices of RI. Joyce enjoys working for a company which empowers and uplifts low-income families through cultivating a strong financial foundation.
phone: 866-584-3651, Ext. 124
Elijah was born in Charleston, South Carolina, but has called Rhode Island home for the past nine years. In 2013, he graduated from Brown with a degree in psychology. He spent the next year and a half in Providence's labor movement advocating for safer workplaces, a living wage, and greater protection for working mothers. Watching his co-workers and comrades struggle with poverty motivated Elijah to join AmeriCorps, which led him to Capital Good Fund. In his spare time Elijah enjoys crosswords, exploring, trying new food, and '90s teen movies.
phone: 866-584-3651, Ext. 113
Natasha is a recent Graduate from Johnson & Wales University Providence Campus in Rhode Island. She graduated in May 2015 with a Bachelors of Science in International business and concentration in Business Communications. Natasha is of Dominican descent from New York City, but has been living in Rhode Island for 4 years. Natasha worked with Harlem Children’s Zone in New York City, a program which focused on youth development, and provided assistance to both students and parents on ways to increase opportunities. Natasha loves helping others, and is a firm believer that everybody is placed on this earth with a purpose. She believes her purpose is to help change the world and open new doors for individuals to help them pursue their goals. Her ultimate career goal is to touch many lives and help end the “Cycle of Poverty”. In her spare time, you can find Natasha studying for her Masters in Business Administration at Johnson & Wales University, spending time with family or organizing events for the Johnson & Wales University Community. She also enjoys dancing, meeting new people, playing basketball and writing poetry.
phone: 866-584-3651, Ext. 102
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 J. Arthur Trudeau Memorial Center for individuals with developmental disabilities, and also with Dorcas International Institute of Rhode Island, whose mission 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 change as many lives as possible through the mission and vision of Capital Good Fund.
phone: 866-584-3651, Ext. 115
Heiry is an undergraduate student at the University of Rhode Island studying Psychology, graduating in May of 2016. 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
As a New Yorker with a heart in Rhode Island, Vannessa has learned to adapt to differing environments, interact with a diverse population and gain new perspectives from every experience she encounters. She is in her final year of a Bachelor of Arts in Psychology from the Inter American University of Puerto Rico, where she was able to pursue bilingual studies. She emphasizes on the importance of having balance in all aspects of life to truly benefit from multiple opportunities. Vannessa served as a Team Leader for the City Year Young Heroes Program, working to run leadership development programs for middle school students, while assisting Hope High School counselors as a Senior Leader Mentor for students. Her most recent experience includes working as a Bachelor-Level Intern for the Bridge of Central Massachusetts, where she focused on milieu therapy, skills groups and introduction to adolescents with mental health challenges and/or developmental disabilities. Her passion for helping the community has been demonstrated in her past work as well as her plans going forward with Capital Good Fund. Vannessa is a strong believer in demonstrating how 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 any way she can.
phone: 866-584-3651, Ext. 126
Patricia Rivera is a single mother of five sons and daughters and a grandmother of five more. She is a recent honors graduate of the College of Continuing Education at University of Rhode Island’s Providence Campus, where she majored in Psychology. Patricia was born and raised in New York City, but moved to Rhode Island in 2002 to work as an Americorps VISTA to help improve literacy for select students in the Providence schools. The bulk of her work has been in community service and advocacy through various community centers and nonprofits. Patricia is honored to be a part of the Capital Good Fund team and very enthusiastic about starting work on this great project.
Bank of America Fellows (Providence College):
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