Teresa E. Williams, Content Manager and Co-Founder of EKOS Ministries. She brings close to 20 years of experience in the insurance and surety industry.  She was a founder of an insurance agency specializing in surety bonds to emerging businesses.  Teresa has presented various seminars to small, minority and women owned businesses along with various church organizations. She has a BBA  in Finance with a minor in Insurance, from Howard University.  Williams is currently pursuing a Master of Divinity Degree at Wesley Theological Seminary.   She is the coordinator of the Married Couples Ministry of Union Bethel AME Church in Brandywine, MD and established the Economic Development Ministry.