Richard brings significant finance and investment experience to the ELDP. Richard currently serves two roles as both a member of the Finance and Investment Committee and as the Director of Investments for the Northern Mariana Islands Retirement Fund and Workers' Compensation Commission. In this capacity Richard oversees economically targeted local investments such as the Fund's home loan program, as well as the Fund's securities market portfolio. Simultaneously, Richard is involved in all aspects of investment decisions making processes for recommendation to the Fund's Board of Trustees. Prior to his association with the NMI Retirement Fund, Richard worked for four years as the Officer In Charge for Credit Administration of the Hongkong & Shanghai Banking Corporation (HSBC). Richard attended San Diego State University where he received a BS in Business Administration (Finance).