Richard applies behavioral science and design at the Common Cents Lab, where he focuses on improving the financial decision-making of low and moderate-income Americans. Previously, he served as a Senior Advisor at USAID’s Office of Development Credit, where he promoted access to finance throughout Latin America and the Caribbean. Richard has also applied behavioral economics at ideas42 and developed randomized controlled trials at Innovations for Poverty Action in Morocco. Richard also worked at Cornerstone Research, an economic and financial consulting firm specializing in complex commercial litigation. Additionally, he has experience providing consulting services to PepsiCo in Chile and USAID’s Office of Education as well as working on the trading floor of UBS Investment Bank and at the US Embassy in Mexico.
Richard holds a Master’s degree from Columbia University’s School of International and Public Affairs, where he studied Advanced Policy and Economic Analysis and a Bachelor’s degree from the University of Virginia, where he studied economics, Spanish, and French, graduating Phi Beta Kappa.