As the Director of Training and Consulting at Credit Builders Alliance (CBA), Carmina leads the development, marketing, coordination and delivery of CBA's education, training and consulting services. She also provides support to CBA's Reporter and Access team creating innovative and entrepreneurial services to meet CBA's client and partner needs and carrying out CBA's mission. Prior to joining CBA, Carmina worked for over seven years in direct-service financial capability programs serving low-income and underserved communities. In previous roles, Carmina was Director of Homeowner Services at Pikes Peak Habitat for Humanity in Colorado Springs, CO, and a founding staff member of Innovative Changes, a Community Development Financial Institution in Portland, OR. Carmina has a Master's Degree in Conflict Resolution from Portland State University where she concentrated on intercultural conflict resolution, dialogue and reconciliation among divided communities, and micro finance strategies for poverty alleviation.