Xiaorou (Scarlett) Zhao is a Master of Public Policy candidate at the Munk School of Global Affairs & Public Policy, University of Toronto. She holds an Honours Bachelor of Management and Organizational Studies from Western University. Her research interests lie at the intersection of climate change, migration, urban resilience, sustainable finance, and social equity, with a particular focus on environmental justice, spatial inequality, and the role of public policy in fostering more inclusive and resilient communities. Her research has explored topics including sustainable finance, ESG, financial innovation, and climate policy, with publications in the peer-reviewed volume FinTech for Sustainability and the China Banking and Insurance News. Scarlett has also contributed to public policy development through her work with the Ontario Public Service. As a Harney Graduate Research Fellow, Scarlett looks forward to engaging with interdisciplinary perspectives on migration, diversity, and pluralism, and to advancing research that connects climate resilience with immigrant inclusion and environmental justice.