Elia has substantial experience having worked for more than 23 years with both local and multinational institutions. His work and academic experience extends to accounting, financial analysis, banking supervision, payment systems, digital financial services, AML/CFT, microfinance and financial inclusion. He has managed World Bank funded projects, held various managerial position while working with the Central Bank and participated in the development of country’s financial inclusion strategies. He pioneered and managed the establishment of credit reference system in the country. Elia is an ardent proponent of the potential of technology in enhancing efficiency and effectiveness of demand and supply side perspectives. He is a Certified Public Accountant, and holds a Master’s in Business Administration and a Bachelor Degree in Accounting. He is fluent in English and Swahili.