A flexible and dynamic quarterback with sufficient resources, backed with data and the ability to constantly refine strategy, would be a significant benefit for low-income communities.

Ian Galloway is a senior research associate at the Federal Reserve Bank of San Francisco. He is the author of “Peer-to-Peer Lending and Community Development Finance” and “Charter School Tax Credit: Investing in Human Capital” and was recognized as a “future industry leader” by the Opportunity Finance Network in 2010. Ian holds a master’s degree in public policy from the University of Chicago and a bachelor’s degree in political science and philosophy from Colgate University.