Dr. Phonnary So has been the Group Chief Operations Officer and Executive Vice President at ACLEDABank Plc. since September 01, 2008. Since 1993, Dr. So worked in ACLEDA as a small enterprise promotion officer and credit officer and then In 1995 she was promoted to provincial branch manager. She had been Manager of Marketing Department at ACLEDA since 1996 and became Senior Vice President & Head of Marketing Division since July 2006. Dr. So obtained a master's degree of business administration majoring in management from Charles Sturt University, Wagga, NSW, Australia, in April 2007. She has a bachelor's degree in economic sciences at the Economic Institute in Phnom Penh in 1989. From 1993, She attended numerous courses on management and microfinance in Cambodia and overseas. In 1998, she completed a course in microfinance at Colorado University, USA. She also obtained a diploma in accounting in 1998 at the Regent College in Phnom Penh.