Janine is President of Sevak Solutions, a nonprofit company that she co-founded to promote inclusive systems for the delivery of financial services to the world’s 1.7 billion urban and rural poor. Janine’s current work is a direct outgrowth of the leadership position she held for five years as Director of Global Multisector Initiatives at the Hewlett-Packard Company. Prior to joining Hewlett-Packard, Janine worked as a consultant focused on successfully integrating information technology into emerging markets. Through her business, SEMBA Consulting, she developed strategies and implemented systems that brought information and communications technologies to schools, governments, and businesses in developing countries. Her client list included the World Bank and the United States Government. Janine brings over 24 years experience in technology, international development, and consortium building to her efforts. As the Director of New Media for Random House Publishing, she was involved in targeting early stage Internet companies for partnerships, investments and acquisition. She was also involved in the early days of CD-ROM development as both Vice President of Product Development at A.D.A.M. Software and as Higher Education Evangelist for Apple Computer. She began her career as an assembly language programmer before the days of the personal computer. Janine holds a master’s degree in Marine Biology and Computer Science from the University of Florida and a bachelor’s degree from UCLA. She serves on the Board of WaterPartners, a non-profit that seeks to ensure that everyone in the world can take a safe drink of water. Janine is also an Advisor for Kiva, an online marketplace for microfinance, and the Presidio School of Management.