D2D is an NGO that strengthens the financial opportunity and security of low and moderate-income consumers by innovating, incubating and stimulating new financial products and policies. Flacke co-launched D2D in 2001 and has served on organization’s board of directors since that time, drawing on twenty years’ experience in the social and private sectors helping wage earners to build savings. He was instrumental in growing D2D from a two-person, start-up social venture into a ten person, nationally recognized innovation incubator which partners with leading financial service firms and receives support from the world’s most respected philanthropic foundations. Flacke has directed signature D2D efforts, including the Refunds to Assets project linking US federal tax refunds to savings and Online IDA, a scalable infrastructure for matched savings programs built on industry-leading retirement plan recordkeeping technology. These efforts have twice impacted the US tax code and have spawned new financial products and public policies responsible for helping hundreds of thousands of consumers save tens of millions of dollars. Before D2D, Flacke worked as an independent consultant, author and grant writer in the field of asset development, co-authoring The Individual Development Account (IDA) Program Design Handbook, successful US federal grant applications, and Dollar $ense, a financial education curriculum. He served as a VISTA volunteer in rural Vermont, and earlier in his career, held leadership positions in corporate human resources, risk management, finance and shareholder relations for Filene’s Basement, Inc. He holds a Masters in Public Policy from the Kennedy School of Government at Harvard University and a Bachelor of Arts in Philosophy from Boston College.