Ghada O. Teima is a Global Program Manager and a Lead Financial Sector Specialist in the World Bank Group. She has over 20 years of financial sector development and management consulting experience. She has been working with the International Finance Corporation for over 12 years, in different capacities. She focuses on digital financial inclusion and small and medium enterprise finance. Previously, she has managed Access to Finance advisory operations in Latin America and the Caribbean and has previously worked in the Middle East and North Africa region on related topics. She has led IFC Small and Medium Enterprise Finance Advisory Practice globally as well as led the IFC/ World Bank G20 SME Finance Working Group, which has supported the G20 Financial Inclusion agenda under the Global Partnership for Financial Inclusion (GPFI) since 2010. Prior to joining IFC, Ms. Teima held several positions in the private sector in the areas of corporate finance and management consulting at the national and regional levels with the former Andersen Consulting and Deloitte Touche Tohmatsu International.