Agnes Ginoba, known as The Hat Lady, is an experiential educator with over forty years of leadership across private and nonprofit sectors. She serves as a board member for the City of Falls Church Independent Media and as a substitute high school teacher in Virginia. A former mortgage company president, she trained more than 2,000 loan originators and earned recognition as an award-winning instructor.

Founder of Smart Credit for Young Adults, she produced and hosted The Smart Credit Show, teaching financial literacy to youth. Agnes holds an MBA, summa cum laude, and a BA. A mother of three and grandmother of one, she is passionate about public service, community leadership, and wearing fabulous hats.