Latin America & Caribbean consultants

Belinda Florez is Manager of microfinance initiatives and operations of the Center for Innovation in Shelter in Finance in Latin America and the Caribbean. As part of her role, she has been responsible for the establishment and administration of more than 15 alliances with MFIs in Latin America, including FINANCIERA EDYFICAR and CREDIVISION (Peru); FDL (Nicaragua); ADOPEM, and ADEMI in the Dominican Republic, CRECER (Bolivia). She has also led the design and implementation of housing finance products for several financial institutions in the region, and has trained microfinance practitioners on housing microfinance product development.
 
She brings with her more than 22 years of experience in the institutional development and microfinance sector. She worked with Opportunity International Network (OI) providing consultancy for institutional restructuring processes of some OI partners in LAC. In addition, she worked at World Vision in Colombia, where she took different positions of responsibility such as accountant and financial manager for their national operations.
 
Mrs. Florez holds a master's degree in Organizational Leadership from Eastern University, and is a Certified Public Accountant.  She is proficient in Spanish, and fluent in English. She is based in San Jose, Costa Rica.

Monica Ramirez is Director of Housing and Human Settlements for Habitat for Humanity International in Latin America and the Caribbean. She brings expertise to the Center for Innovation in Shelter and Finance in LAC region as expert in topics such as Water and Sanitation, and Urban approaches.
 
She has over 20 years of experience working on issues related with settlements and local development; participatory planning; management of projects and public investment; institutional strengthening and capacity building; especially oriented to local government authorities; municipal finance and financing of public service systems. She has worked for various international cooperation agencies such as United Nations, World Bank, Inter-American Development Bank, GTZ and other bilateral cooperation agencies in several countries in Central and South America, and Uganda (Africa). She has advised the design and implementation of national policies on financing for the Sector of water and sanitation, and led the evaluation of the PROANDES program of Rural water and sanitation for.
 
Mrs. Ramirez is Economist and she has a Master´s degree in City and Regional Planning MCRP from UC Berkeley. She is proficient in Spanish and English. She is based in San Jose, Costa Rica.

Mario Moran functions as Program Manager and is in charge of positioning of new products for HFHI’s Latin America and the Caribbean team, under projects implemented by the Center for Innovation in Shelter and Finance.
 
Mr. Moran has dedicated more than ten years to the development of housing programs, and housing microfinance product development. Before joining Habitat, he served as Country Director of Compassion International in Honduras, and as Project Director for different projects of USAID in El Salvador.
 
Mr. Moran has studies in Industrial Engineering from Universidad Politecnica in El Salvador and a degree in Electrical Engineering from the University of El Salvador, and he has attended specialized training courses, including the Boulder Microfinance Program (Italy) and the direction and program management at INCAE (Costa Rica). He is proficient in Spanish, and fluent in English.

Juan Carlos Sapien serves as Manager of technological solutions in water and sanitation (WATSAN) for Habitat for Humanity International in Latin America and the Caribbean. Within the Center for Innovation in Shelter and Finance in LAC as design coordinator and supervisor, on executing and monitoring Construction Technical Assistance services models; technical tools and methodology guides that help to improve the quality and efficiency of construction processes; by identifying and promoting new construction technologies and facilitating workshops on basic and advance of construction issues related technical assistance. 
 
Mr. Sapien has more than 20 years of experience in diverse areas of construction. He has led social housing projects, mainly of self-construction. He participated in research initiatives related to architectural and urban matters for the UAM Xochimilco, Mexico and held public positions as Advisor to the Director of Urban Development, and Public Services at the Iztacalco delegation.  Mr. Sapien has a Master's degree in Architecture from the National Autonomous University of Mexico. He is proficient in Spanish, and fluent in English. He is based in San Jose, Costa Rica.

Eric Solera is Manager of Community Development for Habitat for Humanity International in Latin America and the Caribbean. His role in the CISF is to design programs and methodologies that contribute to leverage and articulate development processes, empowerment and community participation in the housing field; and by identifying leveraging opportunities and leading processes of program design strategy.
 
Mr. Solera has more than 20 years of experience in design, management and execution of programs and projects in community development organizations and informal education. He has more than 10 years of experience in design, methodology development and facilitating in community empowering processes for strategic planning, institutional development and advocacy with civilian, government and mixed organizations in different countries of Latin America. He has expertise in methodology design and facilitating program strategy processes: also coordinating healthy housing issues.
 
Mr. Solera has a Central American postgraduate degree in Sociology from the University of Costa Rica. He is proficient in Spanish, and has basic English skills. He is based in San Jose, Costa Rica.

Adriana Llorca is Manager of Housing Investment Strategies for Habitat for Humanity International in Latin America and the Caribbean. Within the CISF, she is responsible for the coordination and supervision of housing finance project monitoring for the region;  identifies and elaborates pre-feasibility evaluations to institutions that are interested in leveraging housing finance with private funds (such as MicroBuild); and is in charge of establishing alliances with social investors interested in housing, and strengthen the capacity of the loan officers for an effective offer of the housing financial product.
Mrs. Llorca has twelve years of experience working in different managing positions related to credit, investing and managing of credit products in banking and commerce as well. She has worked at Scotiabank as product manager; in Florida Ice & Farm in capital and real estate investment; and at Coca-Cola Interamerican Corp. functioned as Manager of Key Accounts for LAC region. She is very skillful in the area of investment strategies, distribution and promotion, credit product and promotion design, negotiation, strategies to develop outsource services, and resource management.
 
Adriana has a Business Administration Degree and a Master´s degree in Economy and Banking of the Universidad Politecnica de Catalunya, in Barcelona, Spain, and a Master´s degree in Marketing of the Universidad Latina de Costa Rica. She is proficient in Spanish, English, and Fluent in French. She is based in San Jose, Costa Rica.

Enrique Montero serves as Coordinator of Financial Systems and Products of Humanity LAC. As part of his role at the Center for Innovation in Shelter and Finance in LAC region Mr. Montero works on the design of cost and financial projection tools; flow design, adjustment or evaluation and system and administrative processes; project monitoring and capacity development of the sale force for an offer of the housing financial product.
 
Mr. Montero has fourteen years of experience in the area of coordination and direction of social housing programs, having being Executive Director and Program Coordinator in Costa Rica, Ecuador, Honduras and Nicaragua and an advisor to national boards and executive directors. Enrique has also led and coordinated the installation of specialized software for the administration of the loan portfolio in several countries in LAC.
 
He holds a Master of Arts in Organizational Leadership from Eastern University-Saint Davis, Pennsylvania and a BA degree in System Engineering from the Magister University in Costa Rica. He has also completed executive training in management and finance for NGOs from INCAE Business School, in Costa Rica. He is proficient in Spanish, and fluent in English. He is based in San Jose, Costa Rica.

Juan David Buenosaires is Manager of Sustainable Financial Models for Habitat for Humanity LAC. He is responsible for the design and implementation of second tier fund initiatives. As part of his role at the Center for Innovation in Shelter and Finance in LAC Mr. Buenosaires coordinates and facilitates the design and execution of business models with an approach on housing; he advices financial strategy design; he identifies and elaborates pre-feasibility evaluations to institutions that are interested in leveraging housing finance with private funds, he facilitates program design processes.
 
Mr. Buenosaires has dedicated more than eleven years working with Habitat for Humanity International LAC, developing different management positions that have contributed to strengthening the financial and administrative processes; the sustainability in the national organizations of Habitat’s network and the design of methodological guides for the implementation of second tier and outsourcing portfolio strategies.
 
He holds a B.S. in Information Technology with an emphasis on Business and Finance from the University of Texas.  He also has a Technical degree in Accounting from the National Polytechnic Institute in Mexico City.  Additionally, he manages tools in Microfin & Frame Tool from SEEPNETWORK, and is trained in Successfully Executive Strategic Change from Conner Partners; and Strategy & Leadership from INCAE, Costa Rica. He is proficient in Spanish and English. He is based in San Jose, Costa Rica.

Jaime Mok is Manager of Disaster Risk Reduction and Response for Habitat for Humanity LAC. As part of his role at the Center for Innovation in Shelter and Finance in LAC, Mr. Mok works on the execution of disaster risk reduction and response; he designs tools and guides to develop capacities at the institutional level, in topics of disaster prevention and response. He facilitates workshops in topics such as Sphere, PASSA, AVC, etc.
 
Previously, Mr. Mok was in charge of the Risk Management Program for Habitat for Humanity Nicaragua where he coordinated response actions to the disasters caused by Tropical Depression 12E. He launched community training projects, with emphasis in the strengthening of local committees and general population topics such as safe housing, risk analysis, vulnerabilities, and capacities. He worked with World Vision Peru and Paz y Esperanza NGO, in charge of reconstruction projects after Pisco’s 2007 earthquake.
 
He is Architect, specialized in non-conventional constructive systems, graduated from the Universidad Nacional de Ingeniería in Lima Peru and has a Master´s degree in Social Management from the Universidad Pontificia Católica del Peru. He is a certified trainer in Sphere Minimum Standards for Humanitarian Response and a PASSA trainer (interactive approach to safety housing awareness). He is proficient in Spanish, and fluent in English. He is based in San Jose, Costa Rica.