An expert in gender and financial inclusion, Julia Arnold joined CFI as Senior Research Director, Women’s Financial Inclusion in July 2020. She leads the women’s financial inclusion workstream, spearheading this research pillar as well as embedding gender throughout CFI’s work. Julia has more than 12 years of experience in inclusive finance, leading implementation and research projects across a range of customer- and provider-focused topics such as digital financial inclusion, financial capability, and microsavings. Julia brings an understanding of the enabling environment needed to catalyze real change for women’s economic lives, as well as a deep understanding of the microeconomic constraints to women’s empowerment. Prior to CFI, Julia was Financial Inclusion and Livelihood Specialist at the International Center for Research on Women (ICRW) where she led mixed-methods research and primary data collection for evaluations and gender analyses, as well as curriculum development for youth and adults, focused on household dynamics and livelihoods. Before this, she was a consultant working with a diverse range of clients such as MetLife Foundation, CGAP, the World Bank, CFI, and others. Julia holds a master’s degree in international development from American University in Washington, DC.