2014 NATIONAL INTERAGENCY COMMUNITY REINVESTMENT CONFERENCE March 30 – April 2, 2014 Chicago, Illinois
GO Sponsored by Federal Deposit Insurance Corporation Federal Reserve Bank of Chicago Federal Reserve Bank of San Francisco G^Ú[]g^l`];gehljgdd]jg^l`];mjj]f[q ;geemfalq<]n]dghe]fl>afYf[aYdAfklalmlagfk>mf\ A C HI
#NICRC C Dear Colleague:
It is with great pleasure that we welcome you to the 2014 National Interagency Community Reinvestment Conference. This longstanding biennial event is jointly sponsored by the Federal Deposit Insurance Corporation, the Federal Reserve Banks of Chicago and San Francisco, [OL6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`HUK[OL*VTT\UP[`+L]LSVWTLU[-PUHUJPHS Institutions (CDFI) Fund. As our past attendees can attest, this conference has become the premier training and networking event for community development professionals, including CRA VMÄJLYZJVTT\UP[`KL]LSVWTLU[SLUKLYZHUKPU]LZ[VYZNV]LYUTLU[VMÄJPHSZHUKTHUHNLYZHUK Z[HMMMYVT*+-0ZHUKUVUWYVÄ[Z
;OLJVUMLYLUJLPZKP]PKLKPU[V[OYLL[YHJRZ;OLÄYZ[[YHJRPZKL]V[LK[VCRA Compliance and features an interagency team of top CRA examiners from around the country who will provide training on both the basics of the CRA examination process as well as tips for experienced CRA VMÄJLYZ;OLZLJVUK[YHJRPZ[OLNational Community Development Lending School. This school offers detailed training on the practice of community development lending from a faculty of L_WLYPLUJLKÄUHUJLWYVMLZZPVUHSZ[OH[^PSSOLSWSLUKLYZVMHSSZRPSSSL]LSZHJX\PYLVYOVUL[OL skills they need to succeed.
The third track, Community Development Policy and Practice, offers numerous sessions that delve into a wide array of community development lending and investing programs and probe cutting-edge community development topics. This track provides multiple options to choose from in most of the breakout time slots, including sessions of interest to advanced practitioners. These three tracks are complemented by a range of plenary speakers, tours exploring local revitalization projects, and networking opportunities.
We are especially excited to bring the 2014 conference to Chicago, where we are able to showcase a number of innovative community development initiatives. Enjoy this opportunity to talk to your regulators, meet with your peers, and learn how CRA loans, investments, and services can have a positive and lasting impact in low- and moderate-income communities.
Welcome to Chicago!
Sincerely,
Scott Turner Janet Gordon Federal Reserve Bank of San Francisco Federal Deposit Insurance Corporation
Alicia Williams Susan Howard -LKLYHS9LZLY]L)HURVM*OPJHNV 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`
Dennis Nolan CDFI Fund Bronze Level, West Tower Location of NCDLS courses
Gold Level, East Tower TABLE OF CONTENTS
Schedule at a Glance ...... 6
Concurrent Sessions ...... 8
Session Details by Track CRA Compliance ...... 10 National Community Development Lending School ...... 12 Community Development Policy & Practice ...... 14 Community Tours ...... 19
2014 Community Reinvestment Awards ...... 20
Keynote Speakers ...... 21
Speaker Biographies ...... 24
Exhibitor Guide ...... 59 SCHEDULE AT A GLANCE
(SSNLULYHSZLZZPVUZ^PSSILOLSKPU.YHUK()*+ SUNDAY, MARCH 30 3:00 – 6:00 Registration 3:30 – 5:00 NCDLS Pre-Conference Session
MONDAY, MARCH 31 7:30 – 8:30 Registration and Breakfast 8:30 – 10:00 Opening General Session Welcome Scott Turner, Vice President, Federal Reserve Bank of San Francisco Charles Evans7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY-LKLYHS9LZLY]L)HURVM*OPJHNV Keynote Address The Honorable Janet Yellen*OHPY)VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT
Panel Discussion: Introduction Alicia Williams, Vice President, Federal Reserve Bank of Chicago The History of the Community Reinvestment Act Jim Capraro*HWYHYV*VUZ\S[PUNJVT Bruce Gottschall, NHS of Chicago (retired) Ed Williams, Harris Bank of Chicago (retired) Ted WysockiMVYTLYS`VM5VY[O)YHUJO>VYRZ Paul Ginger6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`TVKLYH[VY
10:00 – 10:30 Break 10:30 – 12:00 Concurrent Sessions 12:00 – 1:30 Lunch and General Session 3\UJONLULYV\ZS`ZWVUZVYLKI`[OL-LKLYHS/VTL3VHU)HURVM*OPJHNV Remarks Matt Feldman, President and CEO -LKLYHS/VTL3VHU)HURVM*OPJHNV Introduction Jonathan Miller+LW\[`+PYLJ[VY Federal Deposit Insurance Corporation Keynote Address The Honorable Martin J. Gruenberg*OHPYTHU Federal Deposit Insurance Corporation 1:30 – 3:00 Concurrent Sessions 3:00 – 3:30 Break 3:30 – 5:00 Concurrent Sessions 6:00 – 8:00 Networking Reception at the Field Museum of Natural History )\ZLZ^PSSKLWHY[MYVT[OL,HZ[;V^LYMYVU[KYP]LVU>HJRLY+YP]L\WWLYSL]LS Z[HY[PUNH[ ! 744\ZL\TL_OPIP[Z^PSSZ[H`VWLU\U[PS !
6 SCHEDULE AT A GLANCE
(SSNLULYHSZLZZPVUZ^PSSILOLSKPU.YHUK()*+ TUESDAY, APRIL 1 7:30 – 8:30 Breakfast 8:30 – 10:00 Concurrent Sessions 10:00 – 10:30 Break 10:30 – 12:00 Concurrent Sessions 12:00 – 1:30 Lunch and General Session Presentation of the 2014 Community Reinvestment Awards Susan Howard+PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` Introduction Barry Wides+LW\[`*VTW[YVSSLY*VTT\UP[`(MMHPYZ 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` Keynote Address The Honorable Thomas J. Curry*VTW[YVSSLYVM[OL*\YYLUJ` 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` 1:30 – 3:00 Concurrent Sessions 3:00 – 3:30 Break 3:30 – 5:00 Concurrent Sessions
WEDNESDAY, APRIL 2 7:30 – 8:30 Breakfast 8:30 – 10:00 Concurrent Sessions 10:00 – 10:30 Break 10:30 – 12:00 General Session Keynote Address Dennis Nolan+LW\[`+PYLJ[VY*VTT\UP[`+L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVUZ-\UK
Panel Discussion: The Future of the Community Development Industry Xavier de Souza Briggs, Ford Foundation James S. Marks9VILY[>VVK1VOUZVU-V\UKH[PVU Mark Pinsky6WWVY[\UP[`-PUHUJL5L[^VYR Rip Rapson, Kresge Foundation David Erickson-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJVTVKLYH[VY Closing Remarks Scott Turner, Vice President, Federal Reserve Bank of San Francisco 12:00 Adjourn
7 Concurrent Sessions
Financing
For the full conference schedule, see pages 6 and 7.
8 For the full conference schedule, see pages 6 and 7.
9 CRA Compliance
The CRA Compliance track features an interagency team of top examiners from around the country. Sessions in this track cover virtually every aspect of the CRA examination process for all institution sizes and include best WYHJ[PJLZ[OH[L]LU[OLTVZ[L_WLYPLUJLK*9(VMÄJLYZ^PSSÄUK\ZLM\S
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10:30 – 12:00 The CRA Examination Process from A to Z Grand EF Don’t miss this overview of the CRA examination process. Find out how you can prepare [VTHRL[OLWYVJLZZLMÄJPLU[I`WYV]PKPUNZ\MÄJPLU[KH[HHUKTH[LYPHSZMVYL_HTPULYZ holding effective meetings, and observing critical time frames to meet expectations by your management and regulator during and following your examination. Basil Carrol, Federal Deposit Insurance Corporation; Molly McKnight6MÄJLVM[OL *VTW[YVSSLYVM[OL*\YYLUJ`"Peggy Francis, Federal Reserve Bank of St. Louis; and Steven Kuehl, Federal Reserve Bank of Chicago (facilitator)
1:30 – 3:00 Large Institution CRA Examinations Grand EF Do your bank’s assets exceed the “large bank” asset threshold, or will they prior to your next CRA examination? If so, join this session to learn how the performance context, data collection, and other factors are used to evaluate your bank’s CRA activities. Tina Brison, Federal Deposit Insurance Corporation; Tyler Sines, Federal Reserve Bank of Atlanta; Amy Olson6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`"HUK Jason Keller, Federal Reserve Bank of Chicago (facilitator)
3:30 – 5:00 Intermediate Small Institution CRA Examinations Columbus EF This session will explain examination procedures and performance criteria for banks meeting the “intermediate small” asset threshold. Learn how to conduct a CRA self-
Monday, March 31 Monday, HZZLZZTLU[HUKVI[HPUHK]PJLVUOV^[VWYLWHYL`V\YIHURMVYP[ZÄYZ[¸PU[LYTLKPH[L small” examination. Angela Mysak, Federal Deposit Insurance Corporation; Jared Bahnsen, Federal Reserve Bank of Chicago; Sheila Steck6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`"HUK Steven Kuehl, Federal Reserve Bank of Chicago (facilitator)
OR CRA for Very Large Financial Institutions Grand EF 1VPUV[OLY*9(VMÄJLYZMYVT]LY`SHYNLÄUHUJPHSPUZ[P[\[PVUZPU[OPZMHJPSP[H[LKKPZJ\ZZPVU on designing effective internal program structures. Learn how banks can collaborate throughout the country or in certain geographies. Deborah Kasemeyer5VY[OLYU;Y\Z[*VYWVYH[PVU"Esther Schlorholtz, Boston Private )HUR ;Y\Z[*V"Robert Manuel>LSSZ-HYNV"HUK Craig Nolte, Federal Reserve Bank of San Francisco (facilitator)
10 Wednesday, April 2 Tuesday, April 1 10:30 –12:00 8:30 –10:00 8:30 –10:00 3:30 –5:00 1:30 –3:00 Jason Keller of SanFrancisco; William Dowling IBERIABANK; Susan Howard VM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT"HUK Craig Nolte Anthony Schoenleber collaborating withoutsideorganizations. include strategic planning,managementandboardreporting,working withbranch staff,and -PUKV\[OV^V[OLY*9(VMÄJLYZTHUHNL[OLPY*9(WYVNYHTMVYNYL Learn how toalignyour bank’s CRAprogram withitscorestrategy toobtainbetterresults. Best Practices inCRAProgram Management Laura Lewis and strategy while meetingcommunityneeds. ,_WSVYLOV^`V\YIHURJHUPKLU[PM`ZLY]PJLZHUKPU]LZ[TLU[Z[OH High ImpactServicesandInvestments Theresa Stark community development needsandopportunitiesofLMIareas. process, fromgatheringrelevant dataonLMIcommunitiestobetterunderstandingthe This interactive discussionwithexaminersandexpertswillexploretheperformancecontext Understanding CommunityDevelopment Needsthrough the Pam Freeman Bruce McCrindle Lisa Shepard PUUV]H[P]L*9(HJ[P]P[PLZ^P[OV[OLY*9(VMÄJLYZ learn aboutcriticalaspectsoftheirexaminationandprovide theopportunitytosharetheir +LZPNULKMVYIHURZ^P[OSLZZ[OHU TTPUHZZL[Z[OPZZLZZPV Small InstitutionCRAExaminations *VTW[YVSSLYVM[OL*\YYLUJ`" James Keller CRA planningtips. Link upwithyour colleagues foraroundtablediscussionofbestpractices, currentissues,and Limited Purpose/WholesaleInstitutionCRAExaminations Association; Vonda Eanes learn how otherbanksaretackling similarCRAchallenges. J\YYLU[WVSPJ`PZZ\LZHUKL_HTPUH[PVU[YLUKZ:OHYL`V\YX\LZ[ Join adiscussionwithrepresentatives oftheInteragency CRA Policy Working Group on Interagency Panel: Examination Trends and Analyses Craig Nolte OR Performance Context , Federal Reserve BankofSanFrancisco , Federal Reserve BankofSanFrancisco , Federal Reserve BankofChicago 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`" , Federal DepositInsurance Corporation; Patience Singleton , Federal Reserve BankofBoston; 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`" , Federal DepositInsurance Corporation )VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT" Jessica Farr 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` , Federal Reserve BankofSanFrancisco , Austin BankofChicago;and Dianne Dodson *VTT\UP[`:H]PUNZ)HUR" , Federal Reserve Bankof Atlanta; and Maryann Campbell , Federal DepositInsurance Corporation; , Federal DepositInsurance Corporation; and
(facilitator)
Gretchen Murphy , Federal Reserve BankofNew York; and
David Johnson (facilitator) (facilitator) (facilitator) Ray Pruszkowski
Maria Villanueva
(facilitator) Rick Freer (facilitator) PVUZHUKWLYZWLJ[P]LZHUK
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11 The National Community Development Lending School
;OL5H[PVUHS*VTT\UP[`+L]LSVWTLU[3LUKPUN:JOVVSVMMLYZH\UPX\LLK\JH[PVUHSHUKJHYLLYKL]LSVWTLU[ VWWVY[\UP[`MVYJVTT\UP[`SLUKLYZ*9(VMÄJLYZHUKV[OLYÄUHUJPHSPUZ[P[\[PVUTHUHNLYZHUKZ[HMM[VI\PSK[OLPYZRPSSZ PU\UKLY^YP[PUNHUKÄUHUJPHSHUHS`ZPZ;OPZ`LHY^L^PSSHNHPUVMMLYHUPU[YVK\J[VY`TPUPJV\YZLVU[OL-\UKHTLU[HSZVM Community Development Finance on Sunday afternoon and six core courses from which to choose (four basic and two HK]HUJLKVU4VUKH`HUK;\LZKH`;OLIHZPJJV\YZLZHYL[HYNL[LKH[JVTT\UP[`KL]LSVWTLU[SLUKLYZ*9(VMÄJLYZHUK other banking and community development professionals with minimal lending experience. The advanced courses are MVY\UKLY^YP[LYZHUKL_WLYPLUJLKSVHUVMÄJLYZ
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Course Descriptions:
NCDLS Pre-Conference Session: Columbus IJ Introduction to the Fundamentals of Community Development Financing Sunday, March 30, 3:30 - 5:00 PM This mini-course is geared for beginners looking to get prepared for the fast pace of NCDLS. Using an affordable rental housing exercise, participants will learn concepts and terms in underwriting real estate SVHUYLX\LZ[ZPUJS\KPUNJHZOÅV^HUKKL]LSVWTLU[WYVMVYTHZHSVUN^P[O[OLM\UKHTLU[HSZVMÄUHUJPHS Z[Y\J[\YPUN([[LUKLLZ^PSSHSZVSLHYUOV^[V\ZLHU/7*VY)ÄUHUJPHSJHSJ\SH[VYH\ZLM\SZRPSSPUTVZ[ of our classes. Jeff Nugent;OL*LU[LYMVY3LHKLYZOPW0UUV]H[PVU
NCDLS Opening Session Columbus EF Monday, March 31, 10:30 AM - 12:00 PM The opening session will provide an introduction to the school and a chance to meet the faculty of the core community development lending courses. It is designed to assist students in making course selections and [VWYV]PKLHUV]LY]PL^VMJVTT\UP[`KL]LSVWTLU[ÄUHUJPUNPZZ\LZ*VTLTLL[[OLL_WLY[ZPU[OLÄLSKHUK hear what they will offer in classes starting on Monday afternoon. Entire NCDLS Faculty
Community Facilities Financing Gold Coast Monday, March 31, 1:30 - 5:00 PM Community facilities, such as child care centers, charter schools and health clinics, are vital community HZZL[ZI\[OH]L\UPX\L\UKLY^YP[PUNHUKLJVUVTPJPZZ\LZ[OH[YLX\PYLZWLJPHSH[[LU[PVU 12 Multi-Family Affordable Rental Housing Financing (Basic and Advanced) Gold Coast Basic: Tuesday, April 1, 8:30 AM - 12:00 PM Advanced: Tuesday, April 1, 1:30 - 5:00 PM Participants will take part in a detailed examination of a multi-family rental housing development project and learn how to properly structure a loan while carefully weighing key factors such as community impact, WYVÄ[YPZRWHY[ULYZOPWZHUKK\LKPSPNLUJL;OLYLHYL[^VJV\YZLSL]LSZ!IHZPJHUKHK]HUJLK;OLIHZPJ course is designed for non-lenders seeking an understanding of multi-family lending terms and concepts. ;OLHK]HUJLKJV\YZLPZMVYHJ[P]L\UKLY^YP[LYZSVHUVMÄJLYZHUKV[OLYZ^OV^HU[[VKLS]LKLLWS`PU[V[OL mechanics of multi-family underwriting. Michael Bielawa, *VTT\UP[`0U]LZ[TLU[*VYWVYH[PVU(Basic and Advanced); Claudia Lima, Local Initiatives Support Corporation (Basic); and Matt Nordmann, IFF (Advanced) Fundamentals of Small Business Underwriting Water Tower Tuesday, April 1, 8:30 AM - 12:00 PM This basic course will teach the fundamentals of underwriting a small business with a focus on how to HUHS`aLÄUHUJPHSZ[H[LTLU[ZJYLKP[OPZ[VY`HUKJHZOÅV^([[LUKLLZJHUL_WLJ[[VSLHYU[OLKPMMLYLUJLZ between various debt structures (working capital, term lending, receivables), the practices and principles of loan portfolio management, and strategies for loan workouts for troubled businesses. An overview of various SBA products and their role as a risk mitigation tool will also be covered. This course is appropriate for non- SLUKLYZHZ^LSSHZSLZZZLHZVULKSVHUVMÄJLYZ Andrew Gordon(YPaVUH4\S[P)HUR*VTT\UP[`+L]LSVWTLU[*VYWVYH[PVUHUKSherrill Stockton, Exchange Bank 4HRPUNH.VVM4PJYVÄUHUJL3LUKPUNHUK0U]LZ[PUN Water Tower Tuesday, April 1, 1:30 - 5:00 PM While microlending traditionally refers to underwriting for very small businesses, it is on the rise as a tool to helpSV^PUJVTLJVUZ\TLYZLZ[HISPZOHUKI\PSKHZ[YVUNJYLKP[WYVÄSL;OPZJV\YZL^PSSL_WSVYL[OL KPMMLYLU[VW[PVUZMVYI\PSKPUNHULMMLJ[P]LHUKYLZWVUZP]LTPJYVÄUHUJLWYVNYHT;VWPJZ[VILJV]LYLK include underwriting differences between consumer, microenterprise and traditional small business IVYYV^LYZ"[OLM\UKHTLU[HSZVMWHY[ULYPUN^P[OTHPUZ[YLHTÄUHUJPHSPUZ[P[\[PVUZ^P[OHULTWOHZPZVU evaluating organizational capacity; capitalizing a loan fund; and establishing a loan loss reserve. An overview of SBA programs available for microenterprise borrowers will also be covered. This course PZHWWYVWYPH[LMVYJVTT\UP[`KL]LSVWTLU[VMÄJLYZHUKHSSSLUKLYZ^OV^HU[[VKL]LSVWVYLUOHUJLH TPJYVÄUHUJLSVHUWYVNYHT Sheri Flanigan-Vazquez1\Z[PUL7,;,9:,5HUKThurman “Tony” Smith, PNC Bank 13 Community Development Policy and Practice ;OLZLZZPVUZPU[OPZ[YHJR^PSSOPNOSPNO[PUUV]H[P]LÄUHUJPUNZ[Y\J[\YLZZ[YH[LNPLZHUKWHY[ULYZOPWTVKLSZ aimed at expanding opportunities in low-income communities. 10:30 – 12:00 Current State of the Market Columbus IJKL ;OPZWHULS^PSSNP]LHUV]LY]PL^VUJOHUNLZPU[OLZ\WWS`HUKKLTHUKMVYJVTT\UP[`KL]LSVWTLU[ÄUHUJL^P[O HKPZJ\ZZPVUVMOV^[OH[K`UHTPJPZPUÅ\LUJLKI`THYRL[JVUKP[PVUZNV]LYUTLU[WYVNYHTZHUKPUUV]H[PVUZ Eileen Fitzgerald5LPNOIVY>VYRZ"Joe Neri, IFF; Matthew Reilein174VYNHU*OHZL"HUK David Erickson, Federal Reserve Bank of San FranciscoTVKLYH[VY 1:30 – 3:00 Affordable Housing Solutions in a New Era – Part One: Columbus IJ New Funding Sources 1\Z[HZ[OLULLKMVYHMMVYKHISLOV\ZPUNPUJYLHZLZHJYVZZ[OLJV\U[Y`[YHKP[PVUHSÄUHUJPUNOHZNYV^UZJHYJL ;VTHRL\WMVY[OLSVZZVMM\UKPUNPUUV]H[P]LÄUHUJPUNZV\YJLZHYLZWYPUNPUN\WHYV\UK[OLJV\U[Y`SLHKPUN [OLHMMVYKHISLOV\ZPUNPUK\Z[Y`PU[VHUL_JP[PUNUL^LYH;OPZÄYZ[ZLZZPVUL_WSVYLZ[OYLLYLJLU[S`SH\UJOLK OV\ZPUNM\UKZHZTVKLSZ[OH[JVTIPULW\ISPJWYP]H[LHUKUVUWYVÄ[M\UKPUNYLZV\YJLZ[VZ\WWVY[HUKZ\Z[HPU affordable homes. Paul Weech, Housing Partnership Network; Warren Hanson, Greater Minnesota Housing Fund; Jon Clarke,U[LYWYPZL*VTT\UP[`7HY[ULYZ"*HYVSPUH29LPK Monday, March 31 Monday, IVYYV^LYZOV\SKUL]LYSLH]LHIHURT`Z[PÄLKL_HZWLYH[LKVYKLQLJ[LKHUK[OPZWHULS^PSSL_WSHPU^O` Janie Barrera(**065;L_HZ0UJ"Julius Robinson, Union Bank; and Emerson Hall-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVUTVKLYH[VY OR Community Investing 101 Columbus EF This session will introduce some of the most common investment vehicles used in community development ÄUHUJLPUJS\KPUN3V^0UJVTL/V\ZPUN;H_*YLKP[Z5L^4HYRL[Z;H_*YLKP[ZHUK*9(LSPNPISLÄ_LKPUJVTL securities. Thomas FitzGibbon;HSTLY)HURHUK;Y\Z["Rachel Firschein6WWLUOLPTLY *V0UJ"Carl Jenkins, BMO Harris Bank; Jonathan Kivell, Citigroup; and William Dowling-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJVTVKLYH[VY 3:30 – 5:00 Affordable Housing Solutions in a New Era – Part Two: Columbus IJ Innovative Development and Rehabilitation Ideas In addition to new funding sources, adaptive development and rehabilitation models are coming into play to help propel affordable housing forward in a time of scarce resources. Across the country, affordable housing WYHJ[P[PVULYZHYLÄUKPUNPUUV]H[P]L^H`Z[VYL\ZLL_PZ[PUNOV\ZPUNZ[VJRHUKLMÄJPLU[S`I\PSKZ\Z[HPUHISL service-integrated new homes. This second session features a discussion of four development approaches: a fund to support new models for joint housing and health care development, a land banking initiative to WYLZLY]LOVTLZHYLOHIPSP[H[PVUTVKLS[VJVU]LY[KPSHWPKH[LKI\PSKPUNZMVYTVKLYULMÄJPLU[\ZLHUKHNYLLU YL[YVÄ[WYVNYHTMVYL_PZ[PUNHMMVYKHISLOV\ZPUNWYVWLY[PLZ Ben Phillips4LYJ`/V\ZPUN*HSPMVYUPH"Thomas Fitzpatrick, Federal Reserve Bank of Cleveland; 1VOU.4HYRV^ZRP*VTT\UP[`0U]LZ[TLU[*VYWVYH[PVU"HUKMike Davis, Boston LISC; and Gabriella Chiarenza, Federal Reserve Bank of San FranciscoTVKLYH[VY OR Continued on next page 14 3:30 – 5:00 Seeing Green: Opportunities for Increasing Your Columbus GH continued Energy Lending and Investment ;OPZWHULSL_WSVYLZVWWVY[\UP[PLZMVYÄUHUJPHSPUZ[P[\[PVUZ[VSLUKHUKPU]LZ[PUYLUL^HISLLULYN`PUZ[HSSH[PVUZ and manufacturing facilities or activities related to energy conservation. In particular, panelists will explore PZZ\LZYLSH[LK[VJVTIPUPUN3V^0UJVTL/V\ZPUN;H_*YLKP[VY5L^4HYRL[Z;H_*YLKP[ÄUHUJPUN^P[O YLUL^HISLLULYN`[H_JYLKP[Z7HULSPZ[Z^PSSKLZJYPILOV^ÄUHUJPHSPUZ[P[\[PVUZJHU\ZL[OLW\ISPJ^LSMHYL investment authority to invest in renewable energy facilities and the circumstances in which activities related (continued) to renewable energy or energy conservation can receive CRA consideration. Lee Peterson, Cohn Reznick; Lee Winslett>LSSZ-HYNV"HUK Sharon Canavan6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`TVKLYH[VY OR CRA 101 for Community Based Organizations Columbus KL ;OPZ^VYRZOVWPZKLZPNULKMVYJVTT\UP[`IHZLKVYNHUPaH[PVUZ*)6ZPU[LYLZ[LKPUHJX\PYPUN\W[VKH[L knowledge and guidance on the Community Reinvestment Act (CRA). The workshop will provide insight on the purposes and key elements of the CRA and discuss proven collaborative strategies to enable community Monday, March 31 Monday, IHZLKVYNHUPaH[PVUZ[V^VYRWYVK\J[P]LS`^P[OÄUHUJPHSPUZ[P[\[PVUZ7HULSPZ[Z^PSSWYV]PKLZ\JJLZZM\STVKLSZ aimed at empowering local groups to work with lenders to pro-actively identify, evaluate and respond to credit, service and investment needs of the communities they serve. )VUP[H40Y]PUN6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`"Clinton Vaughn, Federal Deposit Insurance Corporation; Desiree Hatcher, Federal Reserve Bank of Chicago; and Teresa Perez-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVUTVKLYH[VY 8:30 – 10:00 Health and Community Development Should Co-Invest Columbus IJ and Partner, But How? As the recognition of the alignment between the health and community development sectors gains increasing TVTLU[\TKLÄUPUNZWLJPÄJOLHS[O`JVTT\UP[PLZPU]LZ[TLU[VWWVY[\UP[PLZOHZQ\Z[ILN\U[VKL]LSVW;OPZ session will explore a framework and early examples of cutting edge healthy communities investing activities as well as explore current challenges of expanding this new community development investment sector. Maggie Super Church/LHS[O`5LPNOIVYOVVKZ,X\P[`-\UK"Janna Wilson7\ISPJ/LHS[O¶:LH[[SL 2PUN *V\U[`"Kimberlee Cornett, Kresge Foundation; Dave Kleiber, Capital Link; and John Moon-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJVTVKLYH[VY OR Does Your Bank Get It? The Role of Banks in a Changing Rural Economy Columbus GH The rural economy is changing. Advocates for rural development are excited about local food production, developments in alternative energy, and regional partnerships nurturing local businesses and manufacturers I`TLL[PUN[OLPY^VYRMVYJLKL]LSVWTLU[ULLKZ)\[HYLV\YÄUHUJPHSPUZ[P[\[PVUZWYLWHYLK[VTLL[[OLJYLKP[ needs of these and the other new enterprises now dotting the rural landscape? Are the existing community KL]LSVWTLU[ÄUHUJPUN[VVSZHUKV[OLYJVU]LU[PVUHSSLUKPUNWYVK\J[ZZ\MÄJPLU[[VJH[HS`aL[OPZJOHUNPUN rural economy? Learn about trends and tools available from experts in rural economic development and IHURZ^OVHYLWYV]PKPUNHJJLZZ[VJHWP[HSHUKV[OLYÄUHUJPHSZLY]PJLZPUY\YHSJVTT\UP[PLZ Tuesday, April 1 April Tuesday, Chris Howton, People’s National Bank; Jeff Rosen, Solidago Foundation; *OHYSLZ1:WPLZ000, CEI Capital 4HUHNLTLU[33*"Dennis West, Northern Initiatives; and ;PTV[O`(/LY^PN6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`TVKLYH[VY OR Lending Consortia: CRA Lending and Investment Opportunities Grand EF This panel will reintroduce participants to a lending model that began 30 years ago when banks came together across the country to create lending models where banks pool funds to make community development loans with a high perceived risk of repayment. Fast forward 25-30 years and hear the history of 4 organizations as they evolved beyond basic loans, beyond housing and beyond risk by providing billions VMKVSSHYZVMSLUKPUNHUKPU]LZ[TLU[VWWVY[\UP[PLZMVY[OLPYIHURPU]LZ[VYZH[]LY`WYVÄ[HISLYL[\YUZ^OPSL meeting unmet needs in LMI communities. Joe Flatley4HZZHJO\ZL[[Z/V\ZPUN0U]LZ[TLU[*VYWVYH[PVU"1VOU.4HYRV^ZRP*VTT\UP[`0U]LZ[TLU[ Corporation; David Bennett*VTT\UP[`0U]LZ[TLU[*VYWVYH[PVUVM[OL*HYVSPUHZHUK Mary Kaiser*HSPMVYUPH*VTT\UP[`9LPU]LZ[TLU[*VYWVYH[PVUTVKLYH[VY 15 Community Development Policy and Practice JVU[PU\LK 10:30 – 12:00 Investing in What Works for America’s Communities Columbus EF Jointly-published by the Federal Reserve Bank of San Francisco and the Low Income Investment Fund, Investing PU>OH[>VYRZMVY(TLYPJH»Z*VTT\UP[PLZ is a collection of essays that calls for a new approach to antipoverty LMMVY[Z[OH[I\PSKZVU^OH[^VYRZ;OPZZLZZPVU^PSSOLHYMYVT[OLW\ISPJH[PVU»ZMV\YLKP[VYZHZ[OL`YLÅLJ[VU[OL book and the industry reaction to its themes of integration, accountability, and policy change. Nancy Andrews3V^0UJVTL0U]LZ[TLU[-\UK"David Erickson, Federal Reserve Bank of San Francisco; Ian Galloway, Federal Reserve Bank of San Francisco; Ellen Seidman, Federal Reserve Bank of San Francisco; and Raphael Bostic Tuesday, April 1 April Tuesday, HSZVL_WSVYLHWWSPJH[PVUZ^P[OZH]PUNZWYVNYHTZPU[LNYH[LKÄUHUJPHS¸JVHJOPUN¹ZVJPHSIHZLKHWWYVHJOLZHUK elder justice initiatives. Aisha Benson;Y\-\UK-PUHUJPHS:LY]PJLZ"Lars Gilberts, Branches; Mechel Glass, ClearPoint Credit Counseling Solutions; and ;OVTHZ,:[VRLZ-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVUTVKLYH[VY 1:30 – 3:00 Affordable Housing Solutions in a New Era – Part Three: Columbus GH Recovery from Market Turmoil and Natural Disaster ;OLPTWHJ[VM[OLUH[PVUHSÄUHUJPHSJYPZPZHUKYLJLU[UH[\YHSKPZHZ[LYZOHZSLM[ZVTLJVTT\UP[PLZZ[Y\NNSPUN ^P[OTVYLMVYLJSVZLKWYVWLY[PLZKHTHNLK\UP[ZHUKSPTP[LKÄUHUJPUNVW[PVUZ*VTT\UP[PLZHYLZ[Y\NNSPUN^P[O massive damages caused by severe weather, vacant properties, diminishing tax rolls and shuttering or migration of businesses and jobs. Supportive community loans, investments and services in this environment are essential to the healthy collaborations that serve the long-term housing needs. This session will explore integrative Z[YH[LNPLZHUKSVJHSJVSSHIVYH[PVUZ[OH[YL[OPURÄUHUJPUNHUKZ\WWVY[MVYSV^HUKTVKLYH[LPUJVTLYLZPKLU[Z homeowners, renters and those seeking basic shelter in some of the hardest hit communities. Timothy Thorland, Michigan Lending Solutions and Southwest Housing Solutions Corporation; Alden McDonald3PILY[`)HURHUK;Y\Z["Bomee Jung,U[LYWYPZL*VTT\UP[`7HY[ULYZ0UJ" and Janet Gordon-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVUTVKLYH[VY OR Continued on next page 16 1:30 – 3:00 Enhancing Impact through Cross-Sector Efforts Columbus KL continued Community development strategies are becoming increasingly complex, and as a result, multi-sector JVSSHIVYH[PVUHTVUN]HYPV\ZZ[HRLOVSKLYZHUKÄUHUJPHSLU[P[PLZPZILJVTPUNTVYLJVTTVU;OPZZLZZPVU^PSS provide an overview of cross-sector community development, and panelists will explore current initiatives working on the ground and discuss the challenges and opportunities of cross-sector work. Steven Dow*(7;\SZH"Heather McLeod Grant, McLeod-Grant Advisors; Brian Reilly, Living Cities; and Naomi Cytron-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJVTVKLYH[VY OR Understanding Pay for Success and Social Impact Bonds Columbus IJ 7H`MVY:\JJLZZÄUHUJPUNHUKZVJPHSPTWHJ[IVUKZJVTIPULWYP]H[LZLJ[VYYPZRJHWP[HS^P[OW\ISPJZLJ[VYWVSPJ` NVHSZ;OLZLTVKLSZHYLHUH[[LTW[[VZJHSLL]PKLUJLIHZLKWYVNYHTZI`JHW[\YPUN[OLPYKV^UZ[YLHTÄUHUJPHS ILULÄ[Z[VM\UK\WZ[YLHTJVTT\UP[`PU[LY]LU[PVUZ;OPZZLZZPVU^PSSL_WSVYLOV^[OLZLKLHSZHYLZ[Y\J[\YLK who participates in them, where they are being implemented, and what potential community development role they could play in the future. George Overholser;OPYK:LJ[VY*HWP[HS7HY[ULYZ"Scott Kleiman0SSPUVPZ.V]LYUVY»Z6MÄJLVM4HUHNLTLU[ and Budget; John Olson.VSKTHU:HJOZ"Kimberlee Cornett, Kresge Foundation; and Ian Galloway-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJVTVKLYH[VY 3:30 – 5:00 Using Data for Community Development Columbus IJ Funders, practitioners and policymakers working to improve low- and moderate-income communities are increasingly turning to data analysis and outcome measurement in their efforts to identify more effective and LMÄJPLU[^H`ZVMKLWSV`PUNYLZV\YJLZ;OPZZLZZPVU^PSSOPNOSPNO[H]HYPL[`VMKH[HKYP]LUHWWYVHJOLZILPUN\ZLK (continued) to guide, assess, and report on the impact of community initiatives and investment strategies. Alaina Harkness, MacArthur Foundation; Taryn Roch, LISC Chicago; Brooke Finn, Success Measures at 5LPNOIVY>VYRZ(TLYPJH"Kate Bachtell569*H[[OL 17 Community Development Policy and Practice JVU[PU\LK 8:30 – 10:00 Urban Development Strategies for a New Reality Columbus IJ The image of urban development has changed for most Midwest cities. Strategies that once focused on expanding populations, a vibrant manufacturing industry, and increasing housing stock must now deal with population loss, a shrinking tax base, high unemployment, decreased services and blighted neighborhoods. New concepts such as urban farms, decommissioning of services, and land reimaging have been introduced. This session will focus on current issues, resources and best practices for developing and implementing a comprehensive strategy for community and economic development in declining cities. Robin Boyle>H`UL:[H[L 18 Community Tours 7YLYLNPZ[YH[PVU^HZYLX\PYLKMVY[V\YZ;V\YI\ZLZ^PSSKLWHY[MYVT[OL,HZ[;V^LYMYVU[KYP]L VU>HJRLY+YP]L\WWLYSL]LS Pilsen: New Citizens Create a Revitalized Community Monday, March 31, 1:30-5:00 The Pilsen neighborhood on Chicago’s near southwest side is a Mexican community with beautiful churches, prominent murals, and vibrant retail arterials rich with shops, restaurants, and panaderias. On this tour, you will learn about The Resurrection Project (TRP), an innovative CDC that has undertaken not only housing and economic development projects but more recently HJVSSLNLZ[\KLU[OV\ZPUNMHJPSP[`^P[OZ\WWVY[ZLY]PJLZHUK[OLHJX\PZP[PVUVMHMHPSLK[OYPM[PUVYKLY[VLZ[HISPZOHJVTT\UP[` development credit union. In addition, you will learn about the catalytic impact the National Museum of Mexican Art, the largest Latino cultural institution in the country, has had on community development through its cultural advocacy, exhibitions, youth development outreach, and other education programs. Raul Raymundo;OL9LZ\YYLJ[PVU7YVQLJ[HUKCarlos Tortolero;OL5H[PVUHS4\ZL\TVM4L_PJHU(Y[ >LZ[.HYÄLSK7HYR!6YNHUPaPUNHUK0U]LZ[PUN Tuesday, April 1, 8:30-12:00 No stranger to disinvestment, this west side community has structured a toolbox that facilitates investments in people who are ready to invest in themselves. Rooted in faith-based community development, Bethel New Life is a local community development corporation that leads education support, business and workforce development, housing opportunities for seniors and “Take Back The Streets” campaigns. This tour will view assisted housing, Laborer’s Union and transit-oriented KL]LSVWTLU[Z)L[OLS»ZYLW\YWVZLKOVZWP[HSJHTW\ZH^VYRMVYJLKL]LSVWTLU[WYVNYHTH3,,+JLY[PÄLK0UZWPYH[PVU2P[JOLU»Z culinary job-training program and a lovely historic urban park conservatory. Mildred Wiley, Bethel New Life, Inc. Englewood: Organizing One Step at a Time Tuesday, April 1, 8:30-12:00 Once home to the city’s second busiest shopping district on the south side of Chicago, Englewood residents and community organizations advocate for resources to reverse a long decline in population and economic health. Teamwork Englewood, a local community group, offers re-entry resources, youth organizing and sports, and technology development services. This tour will explore a promising transit oriented development, affordable housing, new commercial developments, a contemporary campus of a community college and an urban farm. Demond Drummer;LHT^VYR,UNSL^VVK North River and Logan Square: The Ragged Edge of Prosperity Tuesday, April 1, 1:30-5:00 PM Globalization and deindustrialization have brought prosperity and the “Creative Class” to much of Chicago, transforming gritty PUK\Z[YPHSULPNOIVYOVVKZPU[VNSP[[LYPUNOPNOLUKYL[HPSHUKYLZPKLU[PHSLUJSH]LZ;OLZLKL]LSVWTLU[ZOV^L]LYJVUÅPJ[^P[O the needs of nearby low- and moderate-income residents for jobs and affordable homes. The foreclosure crisis, meanwhile, has heightened the need for inclusive community planning. This North Side tour will feature the industrial retention and job training HJ[P]P[PLZVM5VY[O)YHUJO>VYRZHUK[OLJVTT\UP[`VYNHUPaPUN^VYRVM[OL3VNHU:X\HYL5LPNOIVYOVVK(ZZVJPH[PVUVU[OL foreclosure crisis and affordable housing. Lawndale: Activism and Advocacy Tuesday, April 1, 1:30-5:00 PM Martin Luther King, Jr. chose to make Lawndale his home for a time in 1966 during a campaign to highlight the nation’s poor housing inventory. Since then, a great deal has changed in the community. This tour showcases some of the most successful LMMVY[ZV]LY[OLSHZ[MV\YKLJHKLZ:LLÄYZ[OHUK[OLPTWHJ[VMHZ\Z[HPULKJVTTP[TLU[[VLJVUVTPJLTWV^LYTLU[OV\ZPUN improvements, educational enrichments and community advocacy. Tour sites will include a comprehensive healthcare facility, HMMVYKHISLOV\ZPUNVMHSSRPUKZLTWSV`TLU[ZLY]PJLZHÄ[ULZZJLU[LYHUKHOHUKZVU[LJOUVSVN`JLU[LY 9L]+Y>H`UL3.VYKVU3H^UKHSL*VTT\UP[`*O\YJOHUK3H^UKHSL*OYPZ[PHU+L]LSVWTLU[*VYWVYH[PVU 19 2014 Community Reinvestment Awards Excellence in Cross-Sector Community Development Collaborations The Federal Reserve Bank of San Francisco, the OCC, and the CDFI Fund are proud to present the 2014 Community Reinvestment Awards. This year’s award focused on cross-sector community development JVSSHIVYH[PVUZ;OLJVTT\UP[`KL]LSVWTLU[ÄLSKYLJVNUPaLZ[OH[UVZPUNSLVYNHUPaH[PVUVYZLJ[VYJHULMMLJ[P]LS` address the scale of need in low- and moderate income communities. Instead, new and often unlikely partners are starting to work together to combine their expertise and resources to develop comprehensive solutions. The awards are meant to showcase innovative community development collaborations that are taking place across [OLJV\U[Y`YLJVNUPaPUN[OH[ÄUHUJPHSPUZ[P[\[PVUZOH]LHUPTWVY[HU[YVSL[VWSH`PU[OLPYZ\JJLZZ ;OL(^HYK^PUULYZHYL! PNC — Grow Up Great/Crezca con Exito In 2004, The PNC Financial Services Group launched PNC Grow Up Great (and PNC Crez- ca con Exito), a $350 million, multi-year, bilingual initiative to help to prepare children, IPY[O[VHNLÄ]LMVYZJOVVSHUKSPML75*WYV]PKLZM\UKPUNHK]VJHJ`[VVSZHUK]VS\U[LLYZ[VOLSWMHTPSPLZHUKJVT- munities foster children’s early learning. PNC has formed “non-traditional” local partnerships with arts, cultural and science organizations such as Sesame Workshop. Partners work with early childhood education centers to enhance early science and arts programming. Approximately 39,000 PNC employees have logged more than 410,000 volun- teer hours. Two million children have been served and 138,000 teachers have received professional development. Citi — *OPSK:\WWVY[MVY*VSSLNL*:* ;OL*:*PUP[PH[P]LM\UKLKI`*P[PJVTIPULK[OLLMMVY[ZVM9(0:,;L_HZSVJHSUVUWYVÄ[ÄUHUJPHS coaching entities and the Texas Attorney General – Child Support Division (CSD) to help families in the child support system save for their children’s college education. RAISE Texas provided the JVHJOPUNLU[P[PLZ^P[OHNYHU[[VPUJYLHZL[OLPYJHWHJP[`MVYZLY]PJLZHUKWYV]PKLHÄUHUJPHSPUJLU[P]LMVYWHYLU[Z to save for their children’s future educational expenses. The CS4C program provides matched contributions and ÄUHUJPHSJVHJOPUNZLY]PJLZ[VLUJV\YHNLJVSSLNLZH]PUNZHTVUNLSPNPISLWHYLU[ZPU[OLJOPSKZ\WWVY[Z`Z[LT-YVT February 2012 through August 2013, 63 custodial parents opened up 116 college savings accounts totaling almost $51,000 in deposits. Goldman Sachs Bank USA —:THSS)\ZPULZZLZ 10,000 Small Businesses is a $500 million commitment by Goldman Sachs and The Gold- man Sachs Foundation to unlock the job-creation potential of small businesses across the ;OL/VUVYHISL4LU[PVUZHYL! Third Federal Savings and Loan — )YVHK^H`7 0UP[PH[P]LHUK;YHPSZPKL:SH]PJ=PSSHNL Goldman Sachs Bank USA — Early Childhood Social Impact Loan ;OL*VTT\UP[`9LPU]LZ[TLU[(^HYKZ1\KNPUN7HULS Joselyn Cousins Federal Reserve Bank of San Francisco Brian Knudsen *P[`VM3HZ=LNHZ Suzanne Hague ,U]PYVUTLU[HS7YV[LJ[PVU(NLUJ` Norma Polanco-Boyd 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` Dory Rand >VVKZ[VJR0UZ[P[\[L David Scherler *+-0-\UK<:+LWHY[TLU[VM[OL;YLHZ\Y` 20 KEYNOTE SPEAKERS The Honorable Thomas J. Curry Charles L. Evans *VTW[YVSSLYVM[OL*\YYLUJ` 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY Thomas J. Curry was sworn in as Federal Reserve Bank of Chicago the 30th Comptroller of the Charles L. Evans is the ninth Currency on April 9, 2012. The president and chief executive Comptroller of the Currency is the VMÄJLYVM[OL-LKLYHS9LZLY]L)HUR administrator of the federal of Chicago. In that capacity, he IHURPUNZ`Z[LTHUKJOPLMVMÄJLYVM serves on the Federal Open Market [OL6MÄJLVM[OL*VTW[YVSSLYVM[OL Committee (FOMC), the Federal Currency (OCC). The OCC Reserve System’s monetary supervises more than 2,000 policymaking body. national banks and federal savings associations and about 50 federal branches and agencies of foreign banks The Federal Reserve Bank of Chicago is one of 12 in the United States. These institutions comprise nearly regional Reserve Banks across the country. These two-thirds of the assets of the commercial banking 12 banks — along with the Board of Governors in system. The Comptroller also is a director of the Federal Washington, DC — make up our nation’s central bank. Deposit Insurance Corporation (FDIC) and As head of the Chicago Fed, Evans oversees the work NeighborWorks® America. of roughly 1,400 employees in Chicago and Detroit ^OVJVUK\J[LJVUVTPJYLZLHYJOZ\WLY]PZLÄUHUJPHS On April 1, 2013, Mr. Curry was named Chairman of institutions and provide payment services to commercial the Federal Financial Institutions Examination Council banks and the U.S. government. (FFIEC) for a two-year term. Comptroller Curry is the Z[--0,**OHPYTHUTHYRPUN[OLÄM[O[PTL[OL6** Before becoming president in September of 2007, Evans has led the Council. served as director of research and senior vice president, supervising the Bank’s research on monetary policy, Prior to becoming Comptroller of the Currency, Mr. IHURPUNÄUHUJPHSTHYRL[ZHUKYLNPVUHSLJVUVTPJ Curry served as a Director of the FDIC since January conditions. Prior to that, Evans was a vice president 2004, and as the Chairman of the NeighborWorks® and senior economist with responsibility for the America Board of Directors. Prior to joining the FDIC’s macroeconomics research group. )VHYKVM+PYLJ[VYZ4Y*\YY`ZLY]LKÄ]L4HZZHJO\ZL[[Z Governors as the Commonwealth’s Commissioner of His personal research has focused on measuring the Banks from 1990 to 1991 and from 1995 to 2003. He effects of monetary policy on U.S. economic activity, served as Acting Commissioner from February 1994 PUÅH[PVUHUKÄUHUJPHSTHYRL[WYPJLZ0[OHZILLU to June 1995. He previously served as First Deputy published in the Journal of Political Economy, American Commissioner and Assistant General Counsel within Economic Review, Journal of Monetary Economics, the Massachusetts Division of Banks. He entered 8\HY[LYS`1V\YUHSVM,JVUVTPJZHUK[OL/HUKIVVRVM state government in 1982 as an attorney with the Macroeconomics. 4HZZHJO\ZL[[Z»:LJYL[HY`VM:[H[L»Z6MÄJL/LZLY]LK as the Chairman of the Conference of State Bank Evans is active in the civic community. He is a board Supervisors from 2000 to 2001, and served two terms member at Chicago-based Metropolis Strategies, a on the State Liaison Committee of the FFIEC, including a trustee at Rush University Medical Center, a director of term as Committee chairman. the Chicago Council on Global Affairs and a member of The Economic Club of Chicago as well as the Civic He is a graduate of Manhattan College (Z\TTHJ\T Committee of the Commercial Club of Chicago. laude), where he was elected to Phi Beta Kappa. He received his law degree from the New England School Evans has taught at the University of Chicago, the of Law. University of Michigan and the University of South Carolina. He received a bachelor’s degree in economics from the University of Virginia and a doctorate in economics from Carnegie-Mellon University in Pittsburgh. 21 KEYNOTE SPEAKERS The Honorable Martin J. Gruenberg Dennis Nolan *OHPYTHU-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU +LW\[`+PYLJ[VY Martin J. Gruenberg is the 20th U.S. Department of the Treasury Chairman of the FDIC, receiving Community Development Financial Institutions Fund :LUH[LJVUÄYTH[PVUVU5V]LTILY Dennis Nolan is the Deputy MVYHÄ]L`LHY[LYT4Y Director for the Community Gruenberg served as Vice Development Financial Institutions Chairman and Member of the FDIC Fund (CDFI Fund). In this capacity, Board of Directors from August 22, he is responsible for developing \U[PSOPZJVUÄYTH[PVUHZ policies, operating procedures, Chairman. He served as Acting internal controls, and short- and Chairman from July 9, 2011 to November 15, 2012, and long-range strategic plans, as well also from November 16, 2005 to June 26, 2006. as providing direction for the CDFI Fund’s award programs. Mr. Gruenberg joined the FDIC Board after broad JVUNYLZZPVUHSL_WLYPLUJLPU[OLÄUHUJPHSZLY]PJLZ Mr. Nolan has over 25 years of experience in federal and regulatory areas. He served as Senior Counsel to ÄUHUJPHSTHUHNLTLU[7YPVY[VQVPUPUN[OL*+-0 Senator Paul S. Sarbanes (D-MD) on the staff of the -\UKOL^HZ[OL+LW\[`*OPLM-PUHUJPHS6MÄJLYPU Senate Committee on Banking, Housing, and Urban the Department of Administration and Finance at the Affairs from 1993 to 2005. Mr. Gruenberg advised the Millennium Challenge Corporation (MCC). Mr. Nolan :LUH[VYVUPZZ\LZVMKVTLZ[PJHUKPU[LYUH[PVUHSÄUHUJPHS also served as Deputy Vice President in the Department regulation, monetary policy and trade. He also served as of Administration and Finance at MCC. Staff Director of the Banking Committee’s Subcommittee on International Finance and Monetary Policy from Prior to the MCC, he was the Deputy Director in the 1987 to 1992. Major legislation in which Mr. Gruenberg 6MÄJLVM-PUHUJPHS4HUHNLTLU[H[[OL,U]PYVUTLU[HS played an active role during his service on the Protection Agency (EPA) where he was responsible for Committee includes the Financial Institutions Reform, ÄUHUJPHSTHUHNLTLU[PUJS\KPUNWVSPJ`KL]LSVWTLU[ Recovery, and Enforcement Act of 1989 (FIRREA); the systems, reporting, and cost management. He also Federal Deposit Insurance Corporation Improvement Act served as Director of Resolution Analysis, Special of 1991 (FDICIA); the Gramm-Leach-Bliley Act; and the (ZZPZ[HU[[V[OL*OPLM-PUHUJPHS6MÄJLYHUK:WLJPHS Sarbanes-Oxley Act of 2002. Assistant to the Director of the Division of Finance for over 10 years at the Federal Deposit Insurance Mr. Gruenberg served as Chairman of the Executive Corporation (FDIC), where he was instrumental in the Council and President of the International Association development of FDIC’s loan securitization program, of Deposit Insurers (IADI) from November 2007 to ÄUHUJPHSHUHS`ZPZVMMHPSLKÄUHUJPHSPUZ[P[\[PVUZHUK November 2012. ÄUHUJPHSZ`Z[LTZPTWSLTLU[H[PVU Mr. Gruenberg holds a J.D. from Case Western Reserve Mr. Nolan holds a Bachelor’s of Science Degree in Law School and an A.B. from Princeton University, Accounting from the University of South Florida. Woodrow Wilson School of Public and International Affairs. 22 KEYNOTE SPEAKERS The Honorable Janet L. Yellen *OHPY)VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT 1HUL[3@LSSLU[VVRVMÄJLHZ*OHPYVM[OL Board of Governors of the Federal Reserve System on February 3, 2014, for a four-year term ending February 3, 2018. Dr. Yellen also serves as Chairman of the Federal Open Market Committee, the System’s principal monetary policymaking body. Prior to her appointment as Chair, Dr. Yellen served HZ=PJL*OHPYVM[OL)VHYKVM.V]LYUVYZ[HRPUNVMÄJLPU October 2010, when she simultaneously began a 14-year term as a member of the Board that will expire January 31, 2024. Dr. Yellen is Professor Emeritus at the University of California at Berkeley where she was the Eugene E. and Catherine M. Trefethen Professor of Business and Professor of Economics and has been a faculty member since 1980. Dr. Yellen took SLH]LMYVT)LYRLSL`MVYÄ]L`LHYZZ[HY[PUN(\N\Z[ She served as a member of the Board of Governors of the Federal Reserve System through February 1997, and then left the Federal Reserve to become chair of the Council of Economic Advisers through August 1999. She also chaired the Economic Policy Committee of the Organization for Economic Cooperation and Development from 1997 to 1999. She also ZLY]LKHZ7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLYVM[OL-LKLYHS Reserve Bank of San Francisco from 2004 to 2010. Dr. Yellen is a member of both the Council on Foreign Relations and the American Academy of Arts and Sciences. She has served as President of the Western Economic Association, Vice President of the American Economic Association and a Fellow of the Yale Corporation. Dr. Yellen graduated Z\TTHJ\TSH\KL from Brown University with a degree in economics in 1967, and received her Ph.D. in Economics from Yale University in 1971. She received the Wilbur Cross Medal from Yale in 1997, an honorary doctor of laws degree from Brown in 1998, and an honorary doctor of humane letters from Bard College in 2000. An Assistant Professor at Harvard University from 1971 to 1976, Dr. Yellen served as an Economist with the Federal Reserve’s Board of Governors in 1977 and 1978, and on the faculty of the London School of Economics and Political Science from 1978 to 1980. Dr. Yellen has written on a wide variety of macroeconomic issues, while specializing in the causes, mechanisms, and implications of unemployment. 23 SPEAKERS 24 SPEAKERS Nancy Andrews Kate Bachtell 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY3V^0UJVTL :LUPVY:\Y]L`+PYLJ[VY569*H[[OL 0U]LZ[TLU[-\UK 25 SPEAKERS A native of New Orleans, Mr. Barousse is President affordable housing and community development of Monarch Real Estate Advisors and is a well known HJ[P]P[PLZ/L^VYRZ^P[OÄUHUJPHSPUZ[P[\[PVUZKL]LSVWLYZ innovator in both civic and business arenas, with HUKV[OLYW\ISPJHUKWYP]H[LZ[HRLOVSKLYZ[VÄUHUJL[OL 30 years of commercial real estate and property creation and preservation of safe, decent and affordable development experience. Since beginning the work of multifamily housing communities in six southeastern the Bayou District Foundation in 2005, Mr. Barousse states. David received his bachelors from Duke OHZILJVTLHRL`ZWVRLZTHUPU[OLÄLSKZVMLHYS` University, Masters of Arts from Wake Forest University, education for low income children, place based and a MPA from Georgia State University. redevelopment of public housing and has served as a connector between national education and housing Aisha Benson leaders and the business community in southeastern =PJL7YLZPKLU[4HUHNPUN+PYLJ[VY;Y\-\UK Louisiana. Mr. Barousse serves on the board of several Financial Services local philanthropic and business development groups Aisha Benson, Managing Director for TruFund Financial and is an alumnus of Washington & Lee University, with :LY]PJLZHUH[PVUHSUVUWYVÄ[*VTT\UP[`+L]LSVWTLU[ an MBA from Tulane University. Financial Institution, manages the organization’s lending Janie Barrera and economic development activities in the New York market. She is responsible for directing, managing and 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY integrating multi-disciplined team functions related (**065;L_HZ0UJ to the delivery of lending services and TA programs in Janie Barrera is founding president and chief executive New York City, Westchester, Long Island and Northern VMÄJLYVM(**065;L_HZ0UJ*YLH[LKPU (**065 New Jersey. She is a seasoned banker and manager with Texas Inc. has grown to hold the nation’s largest micro- substantial background in business lending, strategic SLUKPUNWVY[MVSPV;OLUVUWYVÄ[HNLUJ`WYV]PKLZZTHSS operations and compliance. Previously, Ms. Benson loans and management training to microenterprises of served as Vice President of Business Lending at Carver all kinds; from startups to long established businesses Federal Savings Bank and as the Vice President of and operates in the states of Alabama, Kentucky, Commercial Lending at JP Morgan Chase Community Louisiana, Mississippi, Missouri, Tennessee and Texas. Development Group. She has 19 years of experience As president and CEO, Ms. Barrera is responsible for in lending, including loan sourcing underwriting, and [OLVYNHUPaH[PVU»ZÄUHUJPHSTHUHNLTLU[V]LYZPNO[VM relationship management for small businesses, middle- its annual budget and the development of methodology THYRL[JVTWHUPLZHUKUV[MVYWYVÄ[VYNHUPaH[PVUZ4Z and loan delivery procedures. She has received Benson is on the Board of the New Vision Community recognition for her accomplishments, including the Economic Development Corporation. She is also an Small Business Administration Financial Service active volunteer with the Make A Wish Foundation and Advocate of the Year and the Minority Enterprise Habitat for Humanity. Ms. Benson received her BA, Development Consortium’s Corporate Advocate of *\T3H\KLfrom Columbia University. the Year. Ms. Barrera has served on many national, state and local boards, including the Federal Reserve Michael Bielawa Board’s National Consumer Advisory Council. President :LUPVY=PJL7YLZPKLU[HUK4HUHNLYVM4\S[PMHTPS` Barack Obama appointed Ms. Barrera to the President’s 3LUKPUN*VTT\UP[`0U]LZ[TLU[*VYWVYH[PVU Advisory Council on Financial Capability, and she also Michael Bielawa is Senior Vice President and Manager was named to the board of directors for the Federal of Multifamily Lending for Community Investment Reserve Bank of Dallas San Antonio Branch. Ms. Barrera *VYWVYH[PVUHTVY[NHNLIHURPUNÄYTZWLJPHSPaPUN began her career as director of telecommunications in PUYLOHIPSP[H[PVUÄUHUJPUNMVYT\S[PMHTPS`WYVWLY[PLZ 1977. After completing her MBA from the University of in the city of Chicago and the six county suburban the Incarnate Word in 1989 she became the marketing area, since 1985. Prior to joining CIC he was the director for the U.S. Air force Morale, Welfare and Executive Director of the Oak Park Housing Authority Recreation Division. and Residence Corporation from 1981 to 1985. In this David Bennett JHWHJP[`OLHJX\PYLKYLOHIPSP[H[LKHUKTHUHNLKT\S[P unit properties in Oak Park, Illinois. He has also served ,_LJ\[P]L=PJL7YLZPKLU[*VTT\UP[`0U]LZ[TLU[ in a number of positions with Neighborhood Housing Corporation of the Carolinas Services of Chicago. Michael has been a panelist and David Bennett is Executive Vice President of the N\LZ[ZWLHRLYVUYLOHIÄUHUJLHUKHMMVYKHISLOV\ZPUN Community Investment Corporation of the Carolinas. issues for the National Alliance to End Homelessness, A banking industry professional, Mr. Bennett blends a the National Trust for Historic Preservation, the background in traditional commercial credit underwriting National, Illinois, and Chicago Boards of Realtors, and and risk management with a personal interest in the Society of Loan Underwriters. He has served as a 26 SPEAKERS member of the Chicago Forum on Housing Solutions of leading national and local housing and community and has been a member of the Advisory Council to development organizations. Dr. Bostic served 3 years *OPJHNV7HY[ULYZOPW6MÄJLVM-HUUPL4HLHUK[OL in the Obama Administration as the Assistant Secretary Governing Board of the Chicago Property Stabilization for Policy Development and Research at the U.S. Fund. Michael is currently a Keystone Partner of the Department of Housing and Urban Development. Preservation Compact and a member of the Multi- Dr. Bostic was a principal advisor to the Secretary on Family Task Force of the National Association of policy and research. Dr. Bostic led an interdisciplinary Affordable Housing Lenders. Michael has an M.A. in team which had expertise in all key departmental Urban Studies and a B.A. in Sociology from Loyola WVSPJ`HYLHZPUJS\KPUNOV\ZPUNOV\ZPUNÄUHUJL University in Chicago. rental assistance, community development, economic development, sustainability, and homelessness, among Barry Bluestone others. He earned his Ph.D. in Economics from Stanford +PYLJ[VY+\RHRPZ*LU[LYMVY 27 SPEAKERS Courtney Branker (TLYPJHU,_WLYPTLU[[V-PNO[.OL[[V7V]LY[` (Oxford, (ZZPZ[HU[;YLHZ\YLY3VJHS0UP[PH[P]LZ:\WWVY[ 2010), which won best book of the year from the Corporation National Academy of Public Administration. 4Y)YHURLYOHZV]LY`LHYZVMIYVHKÄUHUJL Tina Brison experience and since 2005 has held leadership positions 9L]PL^,_HTPULY-LKLYHS+LWVZP[0UZ\YHUJL H[UVUWYVÄ[VYNHUPaH[PVUZ^OLYLOPZK\[PLZOH]LYHUNLK Corporation MYVTV]LYZLLPUN[YLHZ\Y`HUKÄUHUJPHSWSHUUPUNHUK HUHS`ZPZM\UJ[PVUZ[VKLSP]LYPUNOPNOSL]LSÄUHUJPHS Tina M. Brison joined the FDIC in 1986 as a bank HZZLZZTLU[ZHUKV[OLY[LJOUPJHSHZZPZ[HUJL[VUVUWYVÄ[ examiner (trainee) in the Division of Supervision’s clients. For the past four years, Mr. Branker has been (Memphis Region), Elizabethtown, Kentucky, Field the Assistant Treasurer at Local Initiatives Support 6MÄJLHUKPU1HU\HY` LHYULKOLY*VTTPZZPVULK Corporation (LISC), where his responsibilities have )HUR,_HTPULYZ[H[\Z:OLZLY]LKHZ[OLÄLSKVMÄJL included cash management, investment management training coordinator, instructed the Assistant Examiner and risk management. He also led the team that was School I at the training center, served as assistant responsible for preparing LISC’s $50 million application regional training coordinator, specialized in the to the CDFI Bond Guarantee Program, and he continues compliance area, and participated on several detail to manage the organization’s efforts toward closing on examination assignments. In December 1992, Brison the program’s inaugural round. Prior to joining LISC, Mr. transferred to the Division of Supervision’s Hurricane, Branker worked at The Morgan Library & Museum as the >LZ[=PYNPUPH-PLSK6MÄJL0U4H` ZOL^HZ Manager of Financial Planning and Analysis, where in WYVTV[LK[VÄLSKVMÄJLZ\WLY]PZVYHUKPU6J[VILY addition to overseeing all aspects of the operating and 2002, was named review examiner for the Atlanta exhibition budgeting processes, he was also responsible Region. Brison currently serves as the review examiner for managing the Morgan’s $150 million endowment. Mr. for West Virginia, Virginia, and North Carolina. )YHURLYOHZHSZV^VYRLKH[5VUWYVÄ[-PUHUJL-\UKIV[O She received her BBA in accounting from Marshall PUHUPU[LYUHSJHWHJP[`V]LYZLLPUNÄUHUJPHSWSHUUPUN University in Huntington, West Virginia. analysis and treasury operations, and in a client-facing YVSLWYV]PKPUNÄUHUJPHSHK]PZVY`ZLY]PJLZ[VZLUPVY Kirby Burkholder THUHNLTLU[HUKIVHYKTLTILYZVMUVUWYVÄ[JSPLU[Z4Y Executive Director - Missouri, IFF Branker is a graduate of Binghamton University and has Mr. Burkholder relocated to St. Louis in December an MBA in Finance from Columbia University. HM[LYZL]LU`LHYZ^P[O0--»Z*OPJHNVVMÄJL4Y Burkholder is responsible for IFF operations in Missouri Xavier de Souza Briggs and has overseen the growth of IFF’s loan portfolio in =PJL7YLZPKLU[MVY,JVUVTPJ6WWVY[\UP[`HUK(ZZL[Z Missouri to more than $75-million in closed loans. He Ford Foundation joined IFF in February 2001 as a Real Estate Project Xavier de Souza Briggs is an award-winning author, Manager and has been responsible for the planning commentator, educator, and researcher, as well as an and management of numerous real estate consulting experienced manager and policy adviser. He is Vice and development projects; ranging from discrete President for Economic Opportunity and Assets at the consulting reports to $38 million development projects Ford Foundation and a faculty member (on leave) at for more forty individual clients. From 2005 to 2007 the Department of Urban Studies + Planning (DUSP) Mr. Burkholder served as the Director of Real Estate at the Massachusetts Institute of Technology. He is Consulting at IFF. As Director, he led multiple real estate former head of DUSP’s Housing, Community, and consulting projects and provided planning, supervisory, Economic Development Group and associated head of and management support for the department. Prior to department. His current research focuses on inclusive joining IFF Mr. Burkholder spent four years at a Chicago economic growth and how rapidly changing societies, CDC where he developed an asset management system particularly in North America and Europe, can thrive, for the organization’s affordable housing portfolio and not just cope, with increased ethnic diversity. Xav spent managed pre-development activities for commercial 2009 to 2011 on public service leave from the MIT real estate development projects. Mr. Burkholder has a faculty, appointed by President Obama, to serve as Masters in Urban Planning from the University of Illinois (ZZVJPH[L+PYLJ[VYVM[OL6MÄJLVM4HUHNLTLU[HUK at Chicago and an undergraduate degree in Sociology Budget in the White House. His books include ;OL from Goshen College. Kirby is a graduate of the 2008- .LVNYHWO`VM6WWVY[\UP[` (Brookings, 2005), which 09 Leadership St. Louis program and is actively involved won the best book award in planning, +LTVJYHJ`HZ in the St. Louis community through the United Way, 7YVISLT:VS]PUN!*P]PJ*HWHJP[`PU*VTT\UP[PLZHJYVZZ [OL4H`VY»ZVMÄJL>HZOPUN[VU 28 SPEAKERS Maryann Campbell He is the recipient of the Chicago LISC “Friend of ,_HTPUPUN6MÄJLY-LKLYHS9LZLY]L)HURVM5L^@VYR the Neighborhoods” lifetime achievement award and the LISC 25th anniversary “Mike Sviridoff Leadership 4HY`HUU*HTWILSSPZHU,_HTPUPUN6MÄJLYPU[OL Award.” He was a Fannie Mae Foundation “James Financial Institutions Supervision Group at the Federal A. Johnson Fellow” and was once named Chicago Reserve Bank of New York. She heads the Consumer Magazine’s “Chicagoan of the Year.” Compliance Risk Department and is responsible for the oversight of consumer compliance, fair lending Basil Carroll and CRA examinations and other related consumer :LUPVY*VTWSPHUJL,_HTPULY-LKLYHS+LWVZP[ compliance supervisory events in the Second Federal 0UZ\YHUJL*VYWVYH[PVU)H[VU9V\NL6MÄJL Reserve District. Maryann joined the Reserve Bank in 1996. She is a commissioned Federal Reserve Bank Basil Carroll is a Senior Compliance Examiner for the Examiner and holds a J.D. from Seton Hall University Federal Deposit Insurance Corporation in the Baton School of Law. She is a member of the New Jersey Bar 9V\NL-PLSK6MÄJLVM[OL+P]PZPVUVM+LWVZP[VYHUK Association. Consumer Protection, Dallas Region. He has worked for [OL-+0*MVYÄ]L`LHYZPU[OL*VTWSPHUJL4HUHNLTLU[ Sharon Canavan discipline. Prior to joining the FDIC, Mr. Carroll worked *VTT\UP[`9LSH[PVUZ,_WLY[6MÄJLVM[OL*VTW[YVSSLY as the Vice President for the Compliance Audit Division VM[OL*\YYLUJ` at First National Banker’s Bank, a Compliance Adviser for Capital One, N.A., and a Compliance Examiner for Sharon Canavan is the Community Relations Expert [OL3V\PZPHUH6MÄJLVM-PUHUJPHS0UZ[P[\[PVUZ4Y*HYYVSS PU[OL*VTT\UP[`(MMHPYZ+P]PZPVUVM[OL6MÄJLVM[OL PZHU()(*LY[PÄLK9LN\SH[VY`*VTWSPHUJL4HUHNLY Comptroller of the Currency (OCC), which charters, and has a BS degree in Finance from Louisiana State regulates, and supervises all national banks. She joined University and a MBA from Southeastern Louisiana the OCC in November 2007. Prior to that, she was University. Mr. Carroll’s job responsibilities include Director of Government and Industry Relations at Fannie conducting compliance and CRA examinations Mae, where she served as a liaison with industry and throughout Louisiana and Mississippi. In addition, Mr. consumer groups on legislative, regulatory, and industry Carroll serves as a CRA instructor for FDIC’s Corporate issues. Ms. Canavan also represented the Mortgage University. Bankers Association for many years as a Vice President and Deputy Legislative Counsel. Ms. Canavan holds Jonathan Clarke a J.D. from Columbus School of Law at the Catholic +PYLJ[VYVM3LUKPUN,U[LYWYPZL*VTT\UP[`3VHU-\UK University of America and a B.A. in English from the University of Maryland. She also serves on the Board of Jonathan Clarke is the Director of Lending for the Rebuilding Together of DC. Enterprise Community Loan Fund, which provides ÄUHUJPUNMVYHMMVYKHISLOV\ZPUNHUKJVTT\UP[` James Capraro facilities. Jon previously served as a Senior Program Principal, Capraro Consulting 6MÄJLY^P[O0TWHJ[*HWP[HSHUKHZHOV\ZPUNKL]LSVWLY for Beacon Development Group, where he managed Jim Capraro brings over 40 years of community the development of multiple affordable housing projects organiziing and development experience to his work. In MVYUVUWYVÄ[HUK/V\ZPUN(\[OVYP[`JSPLU[Z[OYV\NOV\[ the early 1970’s he worked as a community organizer Washington State. He also worked as an analyst for the pursuing the passage of the Home Mortgage Disclosure Tax Credit Division of the Washington State Housing Act (HMDA,) and the Community Reinvestment Act Finance Commission. Jon has a BA in Economics from (CRA.) In his current role, neighborhoods, governments, Holy Cross and an MS in Urban Planning from the and philanthropies have engaged Mr. Capraro in a University of Wisconsin. range of assignments, including “comprehensive” community development, strategic planning, Kimberlee Cornett community organizing, collaboration/partnership, & +PYLJ[VY:VJPHS0U]LZ[TLU[7YHJ[PJL2YLZNL-V\UKH[PVU UVUWYVÄ[THUHNLTLU[+\YPUNOPZ `LHY[LU\YLH[ the Greater Southwest Development Corporation, the Kimberlee Cornett is Director of the Social Investment company was designated by the National Neighborhood Practice at the Kresge Foundation, a national foundation Reinvestment Corporation as a national “model” for based in Troy, Michigan. At the Foundation, she is commercial revitalization, selected by the ChicagoLISC responsible for Kresge’s social investment strategy as the recipient of the “Outstanding Community which includes program related and market rate Development Organization” award & also selected investments in the areas of health, human services and by Bank of America as a winner of the prestigious community development. She has led the development Neighborhood Excellence - Community Builder Award. VM[OL/LHS[O`-\[\YLZ-\UK[OH[WYV]PKLZÄUHUJPUN[V 29 SPEAKERS community health centers and the Woodward Corridor Pennsylvania State University. He is a member of the Investment Fund that is investing in market rate housing (TLYPJHU0UZ[P[\[LVM*LY[PÄLK7SHUULYZHUKH3,,+ in Detroit. Before joining the Foundation in 2010, she Accredited Professional. ZWLU[TVYL[OHUHKLJHKLPUIV[OUVUWYVÄ[HUKWYP]H[L sector organizations to improve housing and economic Fred Dedrick conditions in low-income communities. Kimberlee was ,_LJ\[P]L+PYLJ[VY5H[PVUHS-\UKMVY>VYRMVYJL =PJL7YLZPKLU[VM5H[PVUHS,X\P[`0UP[PH[P]LZH[,U[LYWYPZL Solutions Community Investment where she led business Fred Dedrick is the Executive Director of the National KL]LSVWTLU[LMMVY[ZMVY[OLJVTWHU`»ZKLI[HUKLX\P[` Fund for Workforce Solutions (the National Fund), products. In addition, she led Enterprise’s Investment a public/private initiative investing in the career Management division, structured and closed over $1 advancement of low-wage workers by addressing the IPSSPVUPUPU]LZ[VYLX\P[`MVYPU]LZ[TLU[PUHMMVYKHISL skill needs of employers. The National Fund supports housing projects. Earlier in her career, Kimberlee regional workforce funder collaboratives throughout was the founding executive director of Habitat for the United States that organize and develop sectoral Humanity’s work in Virginia and worked at a shelter industry partnerships. These partnerships develop a deep for homeless women and children in Washington, D.C. \UKLYZ[HUKPUNVMPUK\Z[Y`»ZO\THUYLZV\YJLYLX\PYLTLU[Z She was appointed a White House Fellow by President and provide low-wage workers with the appropriate skills Clinton and served at the executive level of the Small to advance into family-sustaining careers. The National Business Administration. Kimberlee is a graduate of Fund also promotes improvements to employment, Hood College. education and public workforce systems. Previously Naomi Cytron Dedrick served as Pennsylvania’s Deputy Secretary for Workforce Development where he was responsible for Senior Research Associate, Federal Reserve Bank of overseeing the Commonwealth’s workforce development San Francisco programs. He was a key leader in developing Naomi Cytron is a Senior Research Associate in the Pennsylvania’s nationally recognized Industry Partnership Community Development department at the Federal initiative aimed at creating employer/worker consortia Reserve Bank of San Francisco. Her primary research in state’s targeted industry clusters. Prior to becoming interests are neighborhood revitalization and regional Deputy Secretary, Mr. Dedrick was Executive Director of LX\P[`HUKZOLOHZH\[OVYLKU\TLYV\ZHY[PJSLZHUK the Pennsylvania Workforce Investment Board, where he reports on topics ranging from concentrated poverty to organized the Pennsylvania Center for Health Careers, transit-oriented development. Previously, she worked at KLZPNULK7LUUZ`S]HUPH»ZÄYZ[7LYMVYTHUJL4HUHNLTLU[ HUHMMVYKHISLOV\ZPUNJVUZ\S[PUNÄYTPU6HRSHUKHUK Plan for workforce programs, and developed the High a fair housing agency in Baltimore. She has a master’s Performance Standards for local Workforce Investment degree in city and regional planning from the University Boards. of North Carolina at Chapel Hill and a bachelor’s degree in biology from Macalester College. Dante Desiderio ,_LJ\[P]L+PYLJ[VY5H[P]L(TLYPJHU-PUHUJL6MÄJLYZ Mike Davis Association (NAFOA) 7YVNYHT6MÄJLY)VZ[VU30:* Desiderio is the Executive Director of the Native 4PRL+H]PZPZH7YVNYHT6MÄJLYH[)VZ[VU30:*MVY[OL (TLYPJHU-PUHUJL6MÄJLYZ(ZZVJPH[PVU5(-6( 4HZZHJO\ZL[[Z.YLLU9L[YVÄ[0UP[PH[P]L;OYV\NO[OL Established 30 years ago as an organization serving the Initiative, Mike helps owners of affordable housing PU[LYLZ[ZVM5H[P]LÄUHUJLWYVMLZZPVUHSZ5(-6(OHZ NL[[OLÄUHUJPHSHUKI\PSKPUNZJPLUJLYLZV\YJLZ[OL` NYV^UPU[VHUH[PVUHSUVUWYVÄ[VYNHUPaH[PVUWYV]PKPUN ULLK[VPTWSLTLU[LULYN`HUK^H[LYZH]PUNZYL[YVÄ[ZPU economic leadership and resources needed for tribal their buildings. Mike also manages LISC’s partnership leaders to direct economic growth and change. Prior ^P[O[OL*VKTHU:X\HYL5LPNOIVYOVVK+L]LSVWTLU[ to joining NAFOA, Dante served as the Director of Corporation on their Eco Innovation District project, Economic Policy for the National Congress of American which is using LEED for Neighborhood Development 0UKPHUZ5*(0HUKPU]HYPV\ZYVSLZ^P[OPU[OLÄUHUJPHS HZHMYHTL^VYR[VKYP]LX\HSP[`VMSPMLPTWYV]LTLU[Z community. Dante is a member of the Sappony where 7YL]PV\ZS`OL^VYRLKMVYÄ]L`LHYZH[5L^@VYR*P[`»Z he serves in an advisory capacity on issues related to Department of Housing Preservation & Development as community development. He also serves on the External a Director of Operations for the Division of Architecture Advisory Boards for the University of North Carolina’s + Engineering and as a Senior Planner for the Bronx American Indian Center and the National Tribal Planning Unit. Mike has a Master of Urban Planning ;LSLJVTT\UPJH[PVUZ(ZZVJPH[PVU/LOHZOLSKH*LY[PÄLK from NYU‘s Wagner Graduate School of Public Service Financial Planner designation and a B.A. in political and a BA in English and a BS in Earth Science from science and economics from the University of Maryland. 30 SPEAKERS Dianne Dodson Vonda Eanes :LUPVY*VTWSPHUJL,_HTPULY-LKLYHS+LWVZP[ 5),+PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY6MÄJLVM[OL Insurance Corporation *VTW[YVSSLYVM[OL*\YYLUJ` Dianne Dodson is a senior compliance examiner in the =VUKH,HULZQVPULK[OL6MÄJLVM[OL*VTW[YVSSLYVM[OL FDIC’s Division of Depositor and Consumer Protection Currency’s Community Affairs Department in September in the San Francisco Region. She began her career with 2008 to assist with neighborhood stabilization initiatives. the FDIC in 1987 as a safety and soundness examiner. :OLZLY]LZHZ[OL+PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLYMVY She has a dual examiner commission in both safety and North and South Carolina and the subject matter expert soundness and consumer compliance. With over 26 on CRA for Community Affairs staff. Prior to joining years of regulatory experience, Dodson has examined Community Affairs, Ms. Eanes served as a national bank U\TLYV\ZÄUHUJPHSPUZ[P[\[PVUZWYPTHYPS`^P[OPU[OL examiner and compliance specialist since joining the San Francisco Region. She is the designated Southern OCC in 2000. Ms. Eanes works from the Charlotte, California Territory subject matter expert for CRA. She 5VY[O*HYVSPUHVMÄJLPU[OL6**»Z5VY[OLHZ[LYU+PZ[YPJ[ previously served as a CRA course instructor at the and serves on the Interagency CRA working group. She FDIC’s training center in Arlington, Virginia, and has also serves as an instructor for the Community Bank provided CRA training to examiners. Dodson is aTHNUH Directors’ Compliance Workshop, and formerly served J\TSH\KLgraduate of Western New Mexico University as an instructor for the OCC’s Consumer Compliance receiving a bachelor of science degree in Marketing. Basic School. Ms. Eanes came to the OCC from SunTrust Bank (formerly Crestar Bank) where she was a Steven Dow regional Community Reinvestment Act & Compliance ,_LJ\[P]L+PYLJ[VY*(7;\SZH Manager for nine years. Ms. Eanes spent four years as a JVTTLYJPHSIHURLYHUKÄ]L`LHYZPUYL[HPSIHURPUN^P[O Steven Dow has served since 1992 as Executive Director Colonial American National Bank (CANB) which was of CAP Tulsa – a nationally recognized provider of HJX\PYLKI`*YLZ[HYPU 4Z,HULZ^HZNYHK\H[LK OPNOX\HSP[`LHYS`LK\JH[PVUMVY`V\UNJOPSKYLUJV\WSLK from James Madison University in Virginia and the with parent support services as part of a two-generation American Bankers Association Graduate School of approach to breaking the cycle of poverty. CAP Tulsa *VTWSPHUJL4HUHNLTLU[HUKPZH*LY[PÄLK9LN\SH[VY` is acclaimed for leading collaborative community Compliance Manager. development projects through which the agency unites stakeholders across multiple sectors around common David Erickson goals and shared accountability to build networks of +PYLJ[VY*LU[LYMVY*VTT\UP[`+L]LSVWTLU[ housing, education, medical care, occupational training, 0U]LZ[TLU[Z-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV HUKÄUHUJPHSHZZL[I\PSKPUNZLY]PJLZ[OH[PTWYV]L[OL economic prospects of poor families. To date, CAP David J. Erickson is director of the Center for Community Tulsa is the only organization in the country selected Development Investments at the Federal Reserve to lead both a Choice and Promise Neighborhoods Bank of San Francisco and edits the Federal Reserve planning effort - two centerpieces of the Neighborhood journal, Community Development Investment Review. Revitalization Initiative, a White House-led interagency His research areas include community development collaborative. CAP Tulsa was also chosen to partner ÄUHUJLHMMVYKHISLOV\ZPUNLJVUVTPJKL]LSVWTLU[ in the federal Social Innovation Fund (SIF) - a public- HUKPUZ[P[\[PVUHSJOHUNLZ[OH[ILULÄ[SV^PUJVTL private investment vehicle designed to replicate communities. Erickson has a Ph.D. in history from proven anti-poverty programs that have demonstrated the University of California, Berkeley, with a focus on compelling evidence of impact. economic history and public policy. He also holds a master’s degree in public policy from Berkeley and an William Dowling undergraduate degree from Dartmouth College. He Research Associate, Federal Reserve Bank of has also been a leader in the collaboration between San Francisco the Federal Reserve and the Robert Wood Johnson Foundation in bringing the health sector together with William Dowling joined the Federal Reserve Bank community development. To date, this collaboration of San Francisco’s Community Development team in has resulted in 15 conferences around the country and 2013 as part of a new partnership program with the numerous publications, including a cluster of articles Banking Supervision and Regulation unit. In this role, in Health Affairs in November, 2011. His book on he analyzes a variety of national economic indicators the history of community development, ;OL/V\ZPUN and regional trends to inform banks and bank examiners 7VSPJ`9L]VS\[PVU!5L[^VYRZHUK5LPNOIVYOVVKZ, was on the credit needs of low- and moderate-income published in 2009 by the Urban Institute Press. He communities throughout the 12th District. He holds also co-edited 0U]LZ[PUNPU>OH[>VYRZMVY(TLYPJH»Z a BA in English Language and Literature from the *VTT\UP[PLZ!,ZZH`ZVU7LVWSL7SHJLHUK7\YWVZL It is University of Maryland, College Park. available at http://whatworksforamerica.org. 31 SPEAKERS Jessica Farr Tanya Fiddler 4HUHNLYVM,_HTPUH[PVUZ-LKLYHS9LZLY]L)HUR ,_LJ\[P]L+PYLJ[VY-V\Y)HUKZ*VTT\UP[`-\UK of Atlanta Tanya Fiddler is the Executive Director of Four Bands Jessica LeVeen Farr is a manager of examinations with Community Fund, a Native community development the Federal Reserve Bank of Atlanta team responsible ÄUHUJPHSPUZ[P[\[PVU*+-0MVJ\ZLKVULU[YLWYLUL\YZOPW for examining bank compliance with the Community HUKÄUHUJPHSSP[LYHJ`KL]LSVWTLU[VU[OL*OL`LUUL Reinvestment Act (CRA). Jessica participates on CRA River Sioux Indian Reservation located in north central exams for large and intermediate institutions with a South Dakota. Tanya, an enrolled member of the ZWLJPÄJMVJ\ZVUYL]PL^PUNJVTT\UP[`KL]LSVWTLU[ Cheyenne River Sioux Tribe, has served as the Executive activities and opportunities and conducting analysis Director of Four Bands since 2002 and has built the of market conditions to better inform the CRA organization from the start up phase into a successful, examination process. Jessica joined the CRA exam innovative, and award-winning organization. She team in June 2011. From 2001 to 2011, Jessica served holds a Bachelor of Science Degree in Interdisciplinary as the Senior Regional Community Development Sciences from South Dakota School of Mines & Manager for Tennessee for the Federal Reserve Bank Technology and has 15 years of experience working of Atlanta, Nashville Branch. She worked with banks, with Native organizations. Tanya is the recipient of UVUWYVÄ[VYNHUPaH[PVUZHUKNV]LYUTLU[HNLUJPLZ[V several prestigious awards including the 2008 Bureau of Indian Affairs “Entrepreneur Advocate of the Year,” address different community development initiatives the 2007 Small Business Administration “Minority Small including asset building, affordable housing, small Business Champion for South Dakota and Region VIII,” business, job creation and neighborhood stabilization. and the 2007 “Visionary Leader Award for Outstanding :OLHSZVJVUK\J[LK;LUULZZLLZWLJPÄJYLZLHYJO[V Achievement” in recognition of her impact in the CDFI support the Federal Reserve Bank of Atlanta community ÄLSK:OLYLJLP]LKH-LSSV^ZOPWPU[OL(ZWLU0UZ[P[\[L»Z development research efforts. Ideas Festival in 2008 and has been an active voice in Native community and economic development. In Matthew R. Feldman addition to her role at Four Bands, Tanya is also the 7YLZPKLU[HUK*,6-LKLYHS/VTL3VHU)HURVM Co-Chair for the Native CDFI Network, a membership Chicago network that was established to create opportunities for Matthew R. Feldman became President and CEO in Native CDFI peer-to-peer learning and to identify Native April 2008. Mr. Feldman has been with the Bank since CDFI policy priorities. September of 2003 and has served in several executive Brooke Finn capacities. Prior to his employment with the Bank, Mr. -LSKTHU^HZJVMV\UKLYHUK*OPLM,_LJ\[P]L6MÄJLYVM Vice President - Leadership, Evaluation, and Peer Learning Insights, Inc. from 1995 to 2003. Mr. Feldman 3LHYUPUN5LPNOIVY>VYRZ(TLYPJH JVUJLP]LKLZ[HISPZOLKÄUHUJLKHUKKPYLJ[LK[OL Brooke leads several service entities for NeighborWorks operations of this privately held e-learning company. Mr. America - including Success Measures, Organizational Feldman was previously President of Continental Trust Assessment, and Leadership/Workforce Development Company, a wholly owned subsidiary of Continental - which offer the broader community development Bank and served in a number of other roles in capital ÄLSKHUK[OL5LPNOIVY>VYRZUL[^VYRPUUV]H[P]LHUK markets, investments and general management during effective tools to strengthen organizations, leaders, his 15 years at Continental Bank. Mr. Feldman holds programs and ultimately communities. Most recently, degrees from Case Western Reserve University and this has included directing a national initiative for all 240 the Kellogg School of Management of Northwestern members of the NeighborWorks network to use shared University, where he is Chair of the North American measures in evaluating impacts of their housing and Kellogg Alumni Council. Mr. Feldman serves on the community development efforts on target communities. )VHYKVM+PYLJ[VYZVM[OL6MÄJLVM-PUHUJLVM[OL At NeighborWorks, Brooke previously served as deputy Federal Home Loan Banks and as Chair of the Human director of National Initiatives and Applied Research, Resources and Compensation Committee. He also and as director of program integration and planning serves as Vice Chair of the Bank Presidents Conference responsible for corporate-wide coordination and of the Federal Home Loan Banks and on the Board implementation of the strategic plan, as well as related performance measurement strategies and initiatives. VM[OL7LU[LNYH+LÄULK)LULÄ[7SHUMVY-PUHUJPHS Before joining NeighborWorks in 1996, Brooke worked Institutions. in community development in the international sector through Peace Corps, as Peace Corps Fellow, Associate Peace Corps Director/Philippines, and National Director of Placement. She holds an M.S. in Foreign Service from Georgetown University with a concentration in International Development, and a B.A. in American Studies from Kirkland College. 32 SPEAKERS Rachel Firschein Thomas FitzGibbon 4HUHNPUN+PYLJ[VY;H_HISL-P_LK0UJVTL:HSLZHUK 4HUHNPUN+PYLJ[VY;HSTLY)HURHUK;Y\Z[ ;YHKPUN6WWLUOLPTLY *V0UJ Thomas FitzGibbon is Managing Director of Corporate Rachel Firschein is a Managing Director of Taxable and Community Development for Talmer Bank and Fixed Income Sales and Trading at Oppenheimer Trust, a $4.7 billion privately held community bank & Co. Inc. in Washington, DC. In this capacity, she ^P[O VMÄJLZPU6OPV:V\[OLYU>PZJVUZPU5L^ manages Community Reinvestment Act investments, Mexico, Nevada, Chicago and Eastern Michigan. His single-family housing loans and securities, Small YVSLPUHKKP[PVU[VLUZ\YPUN[OLZ\JJLZZM\SHJX\PZP[PVU Business Administration loans and securities, municipal and integration of failed banks into a well-capitalized securities, corporate securities, and all areas of holding company is the active management of the CRA [H_HISLÄ_LKPUJVTL0UHKKP[PVUZOLTHUHNLZ Program for the bank. He was previously Executive Vice the purchase and sale of multi-family loans and President and Member of the Board of Directors for investments. Prior to joining Oppenheimer & Co. the $10 billion Chicago-based MB Financial Bank and Inc., she was a Director of Fixed Income Sales and [OL*OPLM9L[HPS)HURPUN6MÄJLYMYVT ;OPZ Trading at GMAC-RFC Securities, Vice President of responsibility included oversight of 70 branches and Fixed Income Sales and Trading at the investment bank all other retail delivery platforms including residential of Friedman, Billings & Ramsey, and also served for mortgage, consumer and small business lending over seven years in a similar role at Freddie Mac in programs. He served as the President of MB Financial the Security Sales and Trading Group. She has an MBA Community Development Corporation (MBCDC), a from George Washington University and a BA from TPSSPVULX\P[`Z\IZPKPHY`VM[OLIHUROLZ[HY[LKPU Rutgers University. Rachel is actively involved as a 1995, President of the MB Financial Bank Charitable volunteer with a number of charitable and educational Foundation and Treasurer of both the federal and state organizations in the Washington, D.C. area. She serves Political Action Committees of the holding company. on the board of the Friends of Barker, a Washington, The bank received the Outstanding CRA rating for DC adoption agency and the Gladney Center for 12 consecutive years under his leadership from the Adoption – National Capital Area Family Association. OCC. He is adjunct Professor of Real Estate Finance She is also a volunteer alumni mentor with George at the Kellstadt Graduate School of Business at DePaul Washington University. University, School of Commerce. He has taught at Eileen M. Fitzgerald the school since 1995. He is the past chairman of the Advisory Board for the Business School of Kendall *OPLM,_LJ\[P]L6MÄJLY5LPNOIVY>VYRZ(TLYPJH College in Chicago. ,PSLLU4-P[aNLYHSKPZJOPLML_LJ\[P]LVMÄJLYVM NeighborWorks America. She oversees the provision of Tom Fitzpatrick [LJOUPJHSHZZPZ[HUJLÄUHUJPHSHZZPZ[HUJLHUK[YHPUPUN ,JVUVTPZ[-LKLYHS9LZLY]L)HURVM*SL]LSHUK to over 3,000 community based organizations. She Thomas J. Fitzpatrick IV is an economist in the also oversees the support of a national network of Community Development department at the Federal more than 235 affordable housing and community 9LZLY]L)HURVM*SL]LSHUK/PZWYPTHY`ÄLSKZVMPU[LYLZ[ development organizations serving more than 4,000 HYLOV\ZPUNHUKOV\ZPUNÄUHUJL;VTJVUK\J[ZHWWSPLK communities. Previously, at the Fannie Mae Foundation, research and outreach examining how governments, she was responsible for alliance and relationship UVUWYVÄ[ZKL]LSVWLYZHUKJVUZ\TLYZHKKYLZZSV^ management for key foundation partners as a senior value real property and how regulations shape the director of national initiatives. Fitzgerald also served PU[LYHJ[PVUIL[^LLUJVUZ\TLYZHUKÄUHUJPHSTHYRL[Z as acting executive director and vice president of His work has been published in multiple outlets, program operations for the McAuley Institute. Earlier, including peer-reviewed academic and legal journals. ZOLJVU[YPI\[LK[V[OLÄLSKHZJOPLMPU]LZ[TLU[VMÄJLY (MYLX\LU[S`PU]P[LKZWLHRLYH[JVUMLYLUJLZ;VTOHZ MVYZPUNSLMHTPS`ÄUHUJLH[[OL(-3*06/V\ZPUN counseled various agencies of the federal government Investment Trust, a multi-billion dollar investment as well as state and local entities on land banking, company that manages assets from hundreds of pension municipal ordinances, and other housing policy issues. funds. From 1994 to 2000, Fitzgerald served in the U.S. As a member of the Ohio Bar Association, Tom is Department of Agriculture’s Rural Housing Service as licensed to practice law in Ohio. He also serves on the the associate administrator and acting administrator, Board of Directors for the Cuyahoga County Land Bank where she was responsible for management and and the Board of Trustees of the Cleveland chapter of oversight of single-family, multi-family housing and the National Association of Business Economists. community facilities programs. She served in both Virginia and Maryland state governments. She is a graduate of Fordham University in New York and the Woodrow Wilson School of Public and International Affairs at Princeton University. 33 SPEAKERS Sheri Flanigan-Vazquez Peggy Francis *OPLM6WLYH[PUN6MÄJLY1\Z[PUL7,;,9:,5 *VUZ\TLY(MMHPYZ,_HTPULY-LKLYHS9LZLY]L)HUR Sheri FlaUPNHU=HaX\La4:>PZ[OL*OPLM6WLYH[PUN of St. Louis 6MÄJLYVM1\Z[PUL7,;,9:,5^OLYLZOLQVPULKZ[HMM Peggy Francis is a Consumer Affairs Examiner and has in 1998. She was instrumental in the planning and been with the Federal Reserve Bank of St. Louis for implementation of Justine PETERSEN’s Individual three years. Prior to coming to the Federal Reserve, she Development Account Program and U.S. Small Business worked in the mortgage industry for 20 years. Most Administration Micro-Loan Intermediary Program. She recently she was with US Bank for 15 years as a CRA is also a founder of Great Rivers Community Capital, a Sales Manager. In that role, she managed a group of ;YLHZ\Y`JLY[PÄLK*VTT\UP[`+L]LSVWTLU[-PUHUJPHS TVY[NHNLSVHUVMÄJLYZ^OVZWLJPHSPaLKPU*9(SLUKPUN Institution (CDFI) wholly owned by Justine PETERSEN. She also worked closely with local community groups Sheri has a Master of Social Work from the Brown to reach out to low- and moderate-income individuals School at Washington University in St. Louis and a and families by assisting with classes in homebuyer Bachelor of Arts from Knox College in Galesburg, IL. education, establishing credit/rebuilding credit, and She dedicated a year of service as a Volunteer in Service other homeownership-related issues. to America (VISTA) coordinating English as a Second Language classes. Prior to joining Justine PETERSEN Pamela Freeman staff, Sheri was the Executive Director of La Casa :LUPVY,_HTPUH[PVU:WLJPHSPZ[-LKLYHS+LWVZP[ Latina, a grassroots organization that assists non-English Insurance Corporation speaking Latinos, for three years where she oversaw agency operations. She was a founding board member of Pamela Freeman is a Senior Examination Specialist Choices Federal Credit Union, a former member of the for the Compliance & CRA Examinations Branch in Community Advisory Board of IFF and a current member FDIC’s Division of Depositor and Consumer Protection the Advisory Board of Midwest Renewable Capital and in Washington, DC. Ms. Freeman has been with the Twain Financial CDE. FDIC for approximately 24 years, began her career in 1990 as a bank examiner in Louisiana and Arkansas, Joe Flatley and also served as a Compliance Examiner in the 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY4HZZHJO\ZL[[Z 9HSLPNO5VY[O*HYVSPUHVMÄJL4Z-YLLTHU^VYRZ /V\ZPUN0U]LZ[TLU[*VYWVYH[PVU on examination and enforcement issues involving various consumer protections laws, specializing in Joe Flatley is President and CEO of the Massachusetts the Community Reinvestment Act (CRA), HMDA, and Housing Investment Corporation (MHIC). He has led Fair Lending. In addition, she serves as an instructor the organization since it was founded in 1990 as a for various examiner training courses within the FDIC. WYP]H[LUVUWYVÄ[^OVZLTPZZPVUPZ[VILHUPUUV]H[P]L Ms. Freeman is commissioned as an examiner in both ÄUHUJPLYVMHMMVYKHISLOV\ZPUNHUKJVTT\UP[` YPZRTHUHNLTLU[HUKJVTWSPHUJLHUKPZH*LY[PÄLK KL]LSVWTLU[^P[OHMVJ\ZVULUZ\YPUN[OH[[OLILULÄ[Z Regulatory Compliance Manager (CRCM). She is a VM[OH[PU]LZ[TLU[ÅV^Z[V[OLYLZPKLU[ZHUK[OL graduate of the University of Arkansas and is currently businesses in the communities in which the projects attending the Stonier Graduate School of Banking at are located. Over the eighteen year period since its University of Pennsylvania. inception, MHIC has invested over $1.2 billion in 300 projects – for the creation of more than 12,500 units Rick Freer, CRCM VMHMMVYKHISLOV\ZPUN4/0*ÄUHUJLZJVTT\UP[` KL]LSVWTLU[WYVQLJ[ZHUKOHZYLJLP]LKÄ]LHSSVJH[PVUZ :LUPVY+PYLJ[VY,_HTPUH[PVU *VTWSPHUJL7YVNYHTZ of New Markets Tax Credits totalling $364 million. (TLYPJHU)HURLYZ(ZZVJPH[PVU Prior to MHIC, Joe served for many years in a number Rick Freer, CRCM, joined the ABA in December of positions in state government advancing affordable OH]PUNYLJLU[S`YL[PYLKMYVT[OL6MÄJLVM[OL housing and community development, including Comptroller of the Currency (OCC) in February 2011. Director of the Massachusetts Housing Partnership, Rick works on a variety of issues including fair lending, Assistant Secretary for the Massachusetts Executive *9(<+((7ÅVVKHUK/4+(HUK[LHJOLZH[ZJOVVSZ 6MÄJLVM*VTT\UP[PLZHUK+L]LSVWTLU[,6*+HUK and conferences. Prior to his retirement he served from *OPLM7SHUULY^P[O[OL6MÄJLVM:[H[L7SHUUPUN1VL July 2000 to February 2011 as a national bank examiner serves on a number of national and local boards. A and senior compliance specialist in the Compliance few notable examples include the National Association Policy Division at the OCC. He handled compliance of Affordable Housing Lenders, the New Markets Tax regulations, including fair and responsible lending, Credit Coalition, the National Housing Conference, UDAP, and HMDA, and compliance risk management and Citizens Housing and Planning Association. He is a initiatives and training activities. He also represented the native of Chicago, and is a graduate of MIT and Harvard OCC on the ABA’s Compliance Schools Advisory Board University, where he earned degrees in city planning. and the ABA’s Editorial Advisory Board. He is a teacher 34 SPEAKERS at the ABA compliance schools, has spoken at numerous and initiatives that have focused on economic and national and state banking conferences, has authored organizational development. He currently oversees or co-authored seven articles for the ABA’s Bank HJVU[PU\\TVMZLY]PJLZ[OH[WYVTV[LÄUHUJPHSZLSM Compliance Magazine, and provided expert advice Z\MÄJPLUJ`[OYV\NOLTLYNLUJ`ZLY]PJLZ=0;(MYLL[H_ in the development of the ABA Fair Lending Toolbox. WYLWHYH[PVUÄUHUJPHSLK\JH[PVUWLYZVUHSÄUHUJPHS He joined the OCC in 1969 as an assistant national coaching, the automotive microloan Ways to Work bank examiner. He was commissioned a national bank program and small business services. Lars completed examiner in 1976. a BBA in Marketing at the University of Texas Pan American as well as an MBA in Management from Barry Ian Galloway University. Senior Research Associate, Federal Reserve Bank of San Francisco Paul Ginger Ian Galloway is a senior research associate at the +PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY6MÄJLVM[OL Federal Reserve Bank of San Francisco. Ian presents *VTW[YVSSLYVM[OL*\YYLUJ` regularly on a variety of community development topics 7H\S.PUNLYQVPULK[OL6MÄJLVM[OL*VTW[YVSSLYVM including crowdfunding, investment tax credits, the the Currency (OCC) as a District Community Affairs social determinants of health, impact investing, and 6MÄJLYPU /L^VYRZ^P[OUH[PVUHSIHURZIHUR 7H`MVY:\JJLZZÄUHUJPUN:VJPHS0TWHJ[)VUKZ/L examiners and community development organizations also recently co-edited0U]LZ[PUNPU>OH[>VYRZMVY to encourage banks to participate in sound, (TLYPJH»Z*VTT\UP[PLZ!,ZZH`ZVU7LVWSL7SHJLHUK WYVÄ[HISLJVTT\UP[`KL]LSVWTLU[HUKYLPU]LZ[TLU[ Purpose (2012), a collection of essays jointly published activities. Prior to joining the OCC he worked in with the Low Income Investment Fund on the future [OLJVTT\UP[`KL]LSVWTLU[ÄLSKPU*OPJHNVMVY of anti-poverty policy. Previously, Ian developed a 13 years. He worked with the Greater North Pulaski social enterprise (virginiawoof.com) for the Portland, Development Corporation and the Chicago Association Oregon homeless youth agency Outside In. He holds a of Neighborhood Development Organizations master’s degree in public policy from the University of underwriting small business and real estate loans, Chicago and a bachelor’s degree in political science and designing and implementing community development philosophy from Colgate University. loan programs, negotiating CRA agreements with banks, and managing public policy organizing campaigns on Cathy Gates community development matters. Paul also has served :LUPVY7YVQLJ[4HUHNLY)VHYKVM.V]LYUVYZVM[OL in many other leadership positions in community -LKLYHS9LZLY]L:`Z[LT development. He was a founding board member, corporate secretary and loan committee chairman of Cathy Gates is a Senior Project Manager in the the Chicago Community Loan Fund from 1991-1996. Oversight and Policy Section of the Division of He served on the loan committee of the Chicago Consumer and Community Affairs at the Federal Department of Economic Development and on Review Reserve Board of Governors. She develops policies, Committees of several large Chicago banks for their procedures, and directives that provide guidance Neighborhood Lending Programs. He holds a Masters regarding consumer compliance supervision and Degree in Urban Planning from the University of Illinois Community Reinvestment Act (CRA) issues. During her at Chicago. tenure in the Division of Consumer and Community Affairs, her responsibilities have also included reviewing Mechel Glass and evaluating the Reserve Banks’ implementation of compliance policies. Cathy has worked at the Federal Vice President of Education, Clearpoint Credit 9LZLY]L)VHYKMVYV]LY[^LU[`Ä]L`LHYZHUKWYL]PV\ZS` Counseling Solutions worked at a commercial bank. Cathy received an 4LJOLS.SHZZPZHJLY[PÄLKÄUHUJPHSLK\JH[VY[OYV\NO MBA from The George Washington University and an the National Foundation for Credit Counseling (NFCC). undergraduate degree in Economics from the University :OLPZHSZVHJLY[PÄLKWYVQLJ[THUHNLTLU[WYVMLZZPVUHS of Florida. (PMP) through the Project Management Institute. Since joining ClearPoint CCS, Ms. Glass has developed Lars Gilberts and implemented the company’s education web site, THRPUNWYL]LU[P]LÄUHUJPHSLK\JH[PVUJSHZZLZHUK +PYLJ[VYVM-PUHUJPHS:[HIPSP[` 35 SPEAKERS education programs in 15 states across the United (MMHPYZ6MÄJLYZHUK^VYRZ^P[OV[OLYYLN\SH[VYZ States. She also manages the development and reporting federal partners, state, local and national organizations of education relationships online for the agency. In to encourage economic inclusion and community HKKP[PVU[VOLYLK\JH[PVUK\[PLZ4Z.SHZZPZMYLX\LU[S` development partnerships between banks and called upon to conduct media interviews and speaking NV]LYUTLU[UVUWYVÄ[HUKV[OLYWYP]H[LVYNHUPaH[PVUZ engagements to increase awareness of ClearPoint The FDIC sponsored or co-sponsored more than programs and services. Ms. Glass has a BA degree 130 partnership events in 2013 and promotes local in International Affairs with a minor in International collaborations through its support of 15 Alliances for Business from Kennesaw State University. She also Economic Inclusion operating in large metro areas and started and sponsors a scholarship program called The multi-county rural areas. Janet also has served as a Senior Harima Scholarship which is a program that provides Policy Analyst in DCP’s Supervisory Policy Section at support for single working parents of children in certain the FDIC with responsibilities that included interagency Head Start programs. Mechel is a board member for initiatives on the Community Reinvestment Act. Janet Reach Service Inc., a Georgia Head Start organization in previously worked as the compliance manager for two Fayette County. large mortgage lenders, as a manger in a consulting ÄYTHK]PZPUNTHU`IHURPUNJVTWHUPLZVUJVTT\UP[` Andrew Gordon reinvestment and fair lending strategies, and was also 7YLZPKLU[(YPaVUH4\S[P)HUR*VTT\UP[` Associate Director of the Community Development +L]LSVWTLU[*VYWVYH[PVU *VYWVYH[PVUHUK0U]LZ[TLU[7YVNYHTH[[OL6MÄJLVM[OL Comptroller of the Currency. She graduated from The Andrew Gordon is the founding President of Arizona University of Michigan and holds an MBA from George MultiBank Community Development Corporation, Washington University. HU(YPaVUHUVUWYVÄ[JVYWVYH[PVUHUKHUPUP[PH[P]LVM Arizona Bankers Association capitalized with over $10 Rev. Dr. Wayne L. Gordon million from 19 commercial banks in Arizona. The JVTWHU`PZH*+-0HUKH*+,HUKOHZKPYLJ[S`ÄUHUJLK Minister, Lawndale Christian Health Center over $50 million to more than 460 small businesses, In over 37 years of ministry “Coach,” as he is UVUWYVÄ[VYNHUPaH[PVUZHUKHMMVYKHISLOV\ZPUNWYVQLJ[Z affectionately known, has played a key role in with total project cost in excess of $184 million. Prior numerous community development initiatives. He is to joining the company in May 1991, Mr. Gordon one of the founders of the Lawndale Christian Health was Senior Vice President of the Financial Services Center, a healthcare ministry that sees over 150,000 Corporation of New York City, now called the Economic patients per year. Wayne was the founding president Development Corporation. He helped grow the of the Lawndale Christian Development Corporation corporation to over 100 employees. Over $2 billion in (LCDC). The Development Corporation is the arm of ÄUHUJPUNZ^LYLWYV]PKLKHZZPZ[PUNV]LYZTHSS Lawndale Community Church that facilitates economic businesses and community projects in New York City. development, education and housing. LCDC has Mr. Gordon was raised in Arizona and during his school seven different housing ministries and under Wayne’s years worked at his family’s grocery store, Gordon’s leadership, over 400 units of abandoned housing have Food Market. Mr. Gordon was to later assist in full-scale been rehabbed. LCDC places special emphasis on community development as a VISTA volunteer in rural home ownership for residents of the community. Wayne Nevada. He currently serves on the investing committee Gordon helped to formulate the Christian Community of the Arizona Community Foundation and the advisory Development Association (CCDA). CCDA is a network IVHYKVM(YPaVUH:[H[L 36 SPEAKERS Bruce Gottschall Warren Hanson 9L[PYLK,_LJ\[P]L+PYLJ[VY5LPNOIVYOVVK/V\ZPUN 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY.YLH[LY Services of Chicago Minnesota Housing Fund Bruce Gottschall received a B.A. in Sociology and Warren Hanson has been the president and chief Economics from Dartmouth College in 1965 and L_LJ\[P]LVMÄJLYVM[OL.YLH[LY4PUULZV[H/V\ZPUN an M.A. in Social Service Administration from the Fund since its start up in 1996 and worked closely University of Chicago in 1970. He served as a United with The McKnight Foundation, Blandin Foundation States Peace Corps Volunteer from 1965 – 1967 in Lima, HUK[OLVYNHUPaH[PVU»ZÄYZ[)VHYKVM+PYLJ[VYZ[VMV\UK Peru. Mr. Gottschall was one of the original founders the organization. As president and CEO, Hanson of Neighborhood Housing Services of Chicago (NHS) works with GMHF’s key partners - including many in 1975, and it’s Executive Director from its inception Greater Minnesota affordable housing organizations, in 1975 until December 2009. During his tenure, NHS Minnesota Housing, Minnesota Housing Partnership, VM*OPJHNVÄUHUJLK \UP[ZVMOV\ZPUNSVHULK Family Housing Fund, as well as the Board of Directors $500 million in 18,000 loans and leveraged more and funders to develop and implement GMHF’s that $1.1 billion in neighborhood investment while programs and initiatives. Hanson has over 30 years of serving 181,000 clients. In 2003, NHS of Chicago and experience in housing and economic development, Mr. Gottschall in partnership with the City of Chicago city planning, public policy, and administration. established NHS’ Home Ownership Preservation Prior to GMHF, Hanson was president of Regional Initiative (HOPI) which became a national partnership Strategies, Inc, which assisted foundations and local model in preventing foreclosures. Prior to his work government with planning and development. He was at NHS, Mr. Gottschall worked at Erie Neighborhood Director of Riverfront Development and Neighborhood House and the Northwest Community Organization Development for the City of Saint Paul for eight years, and as Executive Director of Bickerdike Redevelopment and is also co-founder of the Community Reinvestment Corporation in Chicago from 1970 - 1975. Upon his Fund (CRF), a national secondary market that re- retirement in December 2009, he continues involvement JHWP[HSPaLZUVUWYVÄ[HUKNV]LYUTLU[SVHUM\UKZ throughout the United States. From 1978 to 1987, in community development as a Board Volunteer Hanson was Director of Economic Development for with National Peoples Action, the Homeownership West Bank Community Development Corporation Preservation Foundation, and as Chairman of the Board (CDC) which redeveloped the Cedar-Riverside Urban of the Chicago Community Land Trust. Renewal area of Minneapolis. Hanson holds a Master of Emerson Hall Science degree in City and Regional Planning from the *VTT\UP[`(MMHPYZ6MÄJLY-LKLYHS+LWVZP[0UZ\YHUJL Pratt Institute in New York. Corporation Alaina Harkness Emerson Hall, possessing twenty-six years of banking 7YVNYHT6MÄJLY1VOU+HUK*H[OLYPUL;4HJ(Y[O\Y JYLKLU[PHSZPZ[OL*VTT\UP[`(MMHPYZ6MÄJLYMVY[OL Foundation FDIC San Francisco Region. He has been a Senior Vice President and Regional Division Manager for (SHPUH/HYRULZZPZH7YVNYHT6MÄJLYMVY*VTT\UP[` ZL]LYHSWYVTPULU[SHYNLT\S[PZ[H[LÄUHUJPHSPUZ[P[\[PVUZ and Economic Development at the John D. and promoting community and economic development. Catherine T. MacArthur Foundation. In this role, she Mr. Hall has conducted outreach, provided technical oversees investments in research, policy, and practice HZZPZ[HUJLHUKÄUHUJPHSLK\JH[PVU[V[OL\UIHURLK that aim to improve conditions in urban neighborhoods and LMI communities throughout the United States and increase opportunities for low-income residents, for JP Morgan Chase Bank, GE Capital and US Bank. including LISC/Chicago’s New Communities Program, He is well versed in all lending disciplines, having one of the largest comprehensive community completed formal credit training with special emphasis development initiatives in the country. She has a in commercial lending. Mr. Hall is an accomplished special interest in information technologies and facilitator and coalition builder. He currently works their application to urban planning, development, within the Division of Depositor and Consumer and governance. Prior to joining MacArthur, Alaina 7YV[LJ[PVUTHUHNPUNHZ[HMM[OH[HZZPZ[ÄUHUJPHS staffed two donor advised funds housed at the institutions develop responsive strategies to meet the Chicago Community Trust: The Partnership for New credit, service and investment needs of communities’ Communities, a civic collaborative that supported the throughout eleven western states and one territory. Chicago Housing Authority’s Plan for Transformation; Mr. Hall holds a BBA in Finance from Texas Southern and the 2016 Fund for Chicago Neighborhoods, which University and is a graduate of the Sam Houston State formed during the city’s Olympic bid. She currently University Banking and Financial Institutions MBA serves as co-chair of the board of Chicago Women program. He served 6 years in the US Coast Guard and in Philanthropy and is a member of the board of holds a distinguished honorable discharge. 37 SPEAKERS The Funders’ Network for Smart Growth and Livable Timothy Herwig Communities and the University of Chicago’s Harris +PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY6MÄJLVM[OL School of Public Policy Studies Alumni Advisory *VTW[YVSSLYVM[OL*\YYLUJ` Council. Alaina holds dual master’s degrees in public policy and Latin American studies from the University of ;PTV[O`/LY^PNPZH+PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY Chicago and a bachelor’s degree in political science and PU[OL*LU[YHS+PZ[YPJ[VM[OL6MÄJLVM[OL*VTW[YVSSLY art history from the University of Rochester. of the Currency, located in Chicago, Illinois. In this capacity he provides community development outreach, Susan Harper training, and partnership development to national banks Senior Vice President, CDFI Lending & Investing, and federal thrifts, training and technical support to )HURVM(TLYPJH examiners, and other outreach services to organizations representing the interests of low- and moderate-income Susan Harper is a Senior Vice President, CDFI Lending individuals and communities. Tim has focused his and Investing, for Bank of America in San Francisco, CA. work to the extent possible on rural community and In this capacity, she manages the bank’s activities with economic development in the states of Minnesota, Community Development Financial Institutions (CDFIs) Wisconsin, Illinois, and Indiana. Prior to joining the in California, the Mountain West and other areas that OCC, Tim was the Central Region Community Affairs ÄUHUJLOV\ZPUNZTHSSI\ZPULZZLZHUKJVTT\UP[` 3PHPZVU^P[O[OL6MÄJLVM;OYPM[:\WLY]PZPVU/LHSZV facilities, providing health care, education, childcare served ten years as a Vice President of Community and other needed social services. Prior to joining Bank (MMHPYZHUK*9(6MÄJLYMVY;*-5H[PVUHS)HURPU of America, Ms. Harper was Vice President of the Merrill Chicago. He has served on a variety of boards in Lynch Community Development Company in its San Chicago including Neighborhood Housing Services -YHUJPZJV*(VMÄJL7YL]PV\ZS`4Z/HYWLYZWLU[ of Chicago, the Greater Southwest Development over nine years at the Low Income Investment Fund Corporation, and the Donors Forum. Tim holds a B.A. (LIIF) and NCB Capital Impact (NCBCI). As a Director from St. John’s University in Collegeville, Minnesota and at LIIF, Ms. Harper designed LIIF’s lending program for an M.A. from the University of Virginia, both in English charter schools in low-income areas and helped LIIF Literature. grow its charter school program from $4 million in 2003 to more than $175 million in 2008. She also led Susan Howard LIIF’s capitalization, research, and policy activities for +PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY6MÄJLVM[OL LK\JH[PVUPUJS\KPUN[OLÄYZ[L]LY5L^4HYRL[Z;H_ *VTW[YVSSLYVM[OL*\YYLUJ` Credit Fund for charter schools. Before joining NCBCI, Ms. Harper was a consultant with Price Waterhouse LLP, :\ZHU/V^HYKPZH+PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY focusing on urban economic development programs and ^P[O[OL6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` JVTT\UP[`KL]LSVWTLU[ÄUHUJL4Z/HYWLYYLJLP]LK Her duties include working with banks, community a Masters in Public Policy from the John F. Kennedy groups, and government agencies to identify lending, School of Government and is on the Board of Directors investment, and service opportunities in eight western of Opportunity Fund, as well as the Loan Committees states. Prior to joining the OCC, Ms. Howard was for The Reinvestment Fund; Enterprise Community Loan employed in the banking industry for over 20 years, and -\UK0UJ"HUK5VUWYVÄ[-PUHUJL-\UK held various line and community development lending and compliance positions. She also served on several Desiree Hatcher boards and committees that have ties to the community +PYLJ[VY*VTT\UP[`+L]LSVWTLU[-LKLYHS9LZLY]L KL]LSVWTLU[ÄLSKPUJS\KPUN[OL,HZ[)H`(ZPHU3VJHS Bank of Chicago Development Corporation, and the National Trust for Historic Preservation. She currently serves as an advisor Desiree Hatcher is a director - community development to the California Community Economic Development in the Federal Reserve Bank of Chicago’s Community Association (CCEDA). Ms. Howard is a graduate of Development and Policy Studies division. Her current California State University at Los Angeles. responsibilities include conducting outreach, providing technical assistance, writing articles and coordinating Chris Howton events which promote community development and MHPYHJJLZZ[VÄUHUJPHSZLY]PJLZ4Z/H[JOLYLHYULK :)( .\HYHU[LLK*VTTLYJPHS3VHU*VVYKPUH[VY HIHJOLSVY»ZKLNYLLPUÄUHUJLMYVT[OL 38 SPEAKERS area. PNB’s branches are generally in small towns, Carl Jenkins ranging in population from 5,000 to 50,000. PNB has 4HUHNPUN+PYLJ[VY*VTT\UP[`0U]LZ[TLU[Z)46 total assets of $881 million, with total loans greater than Harris Bank $660 million. Chris oversees a $23 million dollar loan portfolio and coordinates the utilization of various credit Carl A. Jenkins is Managing Director of Community enhancement programs for the entire bank. A southern Investments for BMO Harris Bank N.A., the U.S. Illinois native, Chris graduated from Southern Illinois banking subsidiary of BMO Financial Group. He 39 SPEAKERS Lisa M. Jones degree in comparative literature and Japanese from the 4HUHNLY*+-0)VUK.\HYHU[LL7YVNYHT*+-0-\UK University of Georgia. She serves on the board of Asian <:+LWHY[TLU[VM[OL;YLHZ\Y` (TLYPJHUZMVY,X\HSP[`((-, Lisa M. Jones is the Manager of the Bond Guarantee Mary Kaiser Program at the Community Development Financial 7YLZPKLU[*HSPMVYUPH*VTT\UP[`9LPU]LZ[TLU[ Institutions (CDFI) Fund. In this capacity, she is Corporation responsible for the oversight, management and implementation of guarantees for bonds issued by 4HY`2HPZLYPZH`LHYÄUHUJPHSZLY]PJLZL_LJ\[P]L 8\HSPÄLK0ZZ\LYZ7YPVY[VQVPUPUN[OL*+-0-\UK4Z specializing in marketing, lending and integrating the Jones’s professional experiences comprised pension KLSP]LY`VMÄUHUJPHSWYVK\J[ZHUKZLY]PJLZ:OLILNHU fund management, small business and venture capital her career at First Interstate Bank, having served in a initiatives, community and economic development, variety of capacities from statewide lending trainer, global economic policy and investment research, IYHUJOTHUHNLYKPZ[YPJ[ÄUHUJLVMÄJLYHUKKPZ[YPJ[ JVYWVYH[LHUKYLHSLZ[H[LÄUHUJLHUKJVTTLYJPHS manager. In 1987, she joined the Bank of A. Levy, lending. Her prior experiences also included serving as a 100 year-old local bank in Ventura County, as its HWYPUJPWHSMVY8\LZ[*HWP[HS:[YH[LNPLZ"ZLUPVYÄUHUJPHS EVP and COO, overseeing Trust, Marketing, Retail analyst for United Technologies Corporation global Banking, Customer Service, Trade Finance, Community pension funds; international analyst for the Joseph E. Reinvestment and Corporate Facilities. Mary joined Seagram & Sons Treasury Unit; associate for American the California Community Reinvestment Corporation International Group; and Loan Associate for Mitsui in 1995 as President and CEO, since increasing net Manufacturers Bank. Ms. Jones received a Master of worth of the company by $14 million while evolving Business Administration in Entrepreneurial Management the product lines to meet the increasing needs of and Finance from the Wharton School of the University membership as well as the low-income communities of Pennsylvania and a Bachelor of Arts in Finance and served. CCRC has extended in excess of $736 million Marketing from the University of California at Berkeley. in new loan commitments, funded over $390 million She is a Chartered Financial Analyst and a member of in loans, and raised $380 million in lines of credit the CFA Society Washington, DC. She was a member from member bank institutions. Active loan sales in VM[OL>VTLU(UNLSZUL[[OLÄYZ[Z[Y\J[\YLK^VTLU»Z the secondary market are approaching $250 million “angel” venture capital investment club in the U.S. in multi-family affordable housing mortgages. Mary designed to invest in emerging growth companies in the serves on the Executive Committee of the National Mid-Atlantic region. Association of Affordable Housing Lenders, multiple boards including the Community Reinvestment Fund, Bomee Jung California Environmental Redevelopment Fund, and the +LW\[`+PYLJ[VY5L^@VYR6MÄJL,U[LYWYPZL Ventura County Community Foundation. She received *VTT\UP[`7HY[ULYZ a bachelors degree in Psychology from San Diego State Bomee Jung provides management and strategic and an MBA from California Lutheran University planning leadership in Enterprise’s New York market, where Enterprise has created or preserved more than Deborah Kasemeyer 44,000 affordable homes for 114,000 residents since :LUPVY=PJL7YLZPKLU[HUK*9(6MÄJLY;OL5VY[OLYU 1987. Deputy Director since 2012, Bomee leads the ;Y\Z[*VTWHU` development of new initiatives and oversees programs Deborah Kasemeyer is Senior Vice President and in sustainability, Sandy response and resiliency, housing *9(6MÄJLYVM;OL5VY[OLYU;Y\Z[*VTWHU`H for extremely low-income individuals and families, and IPSSPVUKVSSHYÄUHUJPHSPUZ[P[\[PVUOLHKX\HY[LYLKPU state and local policy. From 2008 to 2012, Bomee led Chicago, IL which provides trust, custody, investment Enterprise’s Green Communities Initiative in New York. management and banking services to individuals and She facilitated New York City’s adoption of the Enterprise institutional clients throughout the world. Deborah has Green Communities Criteria and led a successful managed Northern’s CRA and Community Investment $20 million Weatherization Assistance Program that programs for the last 18 years where Northern has WYV]PKLKLULYN`LMÄJPLUJ`\WNYHKLZ[VTVYL[OHU earned “Outstanding” CRA ratings under Large Retail, apartments in 18 months using federal stimulus funding. Wholesale and Strategic Plan designations and from Before joining Enterprise in 2008, Bomee founded and three different regulatory agencies. She is a graduate KPYLJ[LK.YLLU/VTL5@*H]VS\U[LLYKYP]LUUVUWYVÄ[ of DePauw University in Greencastle, IN with a BA in that is now in its 11th year of promoting sustainability Economics. through green building education and peer-learning. Bomee holds a Master in City Planning degree from the Massachusetts Institute of Technology and a bachelor’s 40 SPEAKERS Jason Keller Neck, NY, Jonathan received a B.S. J\TSH\KLfrom ,JVUVTPJ+L]LSVWTLU[+PYLJ[VY-LKLYHS9LZLY]L)HUR Cornell University and a Master’s in Public Policy from of Chicago Georgetown University. Jason Keller is the economic development director for Dave Kleiber the State of Illinois in the Community Development and 7YVQLJ[*VUZ\S[HU[*HWP[HS3PUR Policy Studies (CDPS) Division of the Federal Reserve Bank of Chicago. He oversees and evaluates economic David Kleiber joined Capital Link as a Project capacities and sustainable growth opportunities within Consultant in May 2004. Capital Link works exclusively the Federal Reserve’s Seventh District by conducting ^P[O-LKLYHSS`8\HSPÄLK/LHS[O*LU[LYZ[VHZZPZ[[OLT seminars, workshops, and preparing written materials PUWSHUUPUNHUKHJJLZZPUNÄUHUJPUNMVYJHWP[HSWYVQLJ[Z KLHSPUN^P[O[OL,X\HS*YLKP[6WWVY[\UP[`(J[[OL Dave has performed numerous feasibility analyses, Community Reinvestment Act, and other consumer THYRL[HZZLZZTLU[ZÄUHUJPHSWYVQLJ[PVUZHUKI\ZPULZZ protection laws and regulations. Prior to assuming this WSHUZMVY-8/*ZHJYVZZ[OLJV\U[Y`/LHSZVWSH`Z role in May 2011, Keller spent 13 years as an examiner- a key role in Capital Link’s New Markets Tax Credit in-charge and in a managing role assessing compliance program which includes consulting with health centers with various regulations in community, regional, and ZLLRPUN[V\ZL[OPZ[`WLVMÄUHUJPUNHUKHZZPZ[PUNPU large state member banks and bank holding companies managing Capital Link’s own tax credit allocation. Prior throughout the Federal Reserve’s Seventh District. to Capital Link, Dave held various positions at Cascadia Keller holds a sociology degree from Illinois State Revolving Fund, a Community Development Financial University and a master’s degree in public policy and 0UZ[P[\[PVUIHZLKPU[OL7HJPÄJ5VY[O^LZ[;OLYLOL administration from Northwestern University. was a Portfolio Manager, Senior Lender and then Associate Director before designing and implementing Jim Keller Cascadia’s Rural Development Investment Fund (RDIF). ;OL9+0-PZHX\HZPLX\P[`ZV\YJLVMOPNOYPZRJHWP[HS 9L]PL^,_HTPULY-LKLYHS+LWVZP[0UZ\YHUJL for manufacturing businesses located in the rural areas Corporation of Washington and Oregon. Previously, Dave spent Jim is currently a Review Examiner in the New York three years in Nepal serving in the Peace Corps. Mr. 9LNPVUHS6MÄJL7YPVY[VILJVTPUNH9L]PL^,_HTPULY Kleiber earned his BS degree from Michigan State Jim worked as a Sr. Compliance Examiner in the FDIC’s University and later went on to obtain his MBA from 1HTLZI\YN5L^1LYZL`-PLSK6MÄJLMVYHWWYV_PTH[LS` the University of Washington. Currently he is Board `LHYZ>OPSLPU[OL1HTLZI\YN-PLSK6MÄJL1PT President of Whatcom Counseling and Psychiatric Clinic conducted compliance and CRA examinations in in Bellingham, WA, the county’s primary community New Jersey, Maryland, and Puerto Rico. Jim has been mental health provider. Mr. Kleiber is located in Capital designated as a CRA subject matter expert for the 3PUR»Z>HZOPUN[VU:[H[LVMÄJL FDIC’s New York Region and is regularly involved in the Region’s most complex CRA examinations. In addition to Scott Kleiman his Review Examiner duties, Jim serves as an Instructor at 0UUV]H[PVU-LSSV^HUK:[HMM3LHK:VJPHS0TWHJ[)VUKZ the FDIC’s CRA School in Washington, D.C. Jim holds a 0UP[PH[P]L0SSPUVPZ.V]LYUVY»Z6MÄJLVM4HUHNLTLU[ degree in Political Science from Florida State University. and Budget Jonathan Kivell Scott Kleiman is the Innovation Fellow for Illinois with the Social Impact Bond Technical Assistance Lab =PJL7YLZPKLU[9PZR4HUHNLTLU[*P[P*VTT\UP[` (SIB Lab) at Harvard University’s Kennedy School of Capital .V]LYUTLU[:JV[[SLHKZ.V]LYUVY8\PUU»ZUL^7H`MVY Jonathan Kivell is a Vice President in the Risk Success/Social Impact Bonds initiative, which is part of Management department of Citi’s Institutional Clients the Governor’s agenda to accelerate innovation, drive Group where he focuses on community development performance management, and achieve better social ÄUHUJL[YHUZHJ[PVUZ7YPVY[VQVPUPUN*P[P1VUH[OHU outcomes. In 2013, Illinois became the third state in the worked for United Bank in Washington, DC where UH[PVU[VYLX\LZ[WYVWVZHSZMVY7H`MVY:\JJLZZWYVQLJ[Z he originated real estate and working capital loans to Prior to joining the SIB Lab, Scott helped found Duke affordable housing developers, small businesses, and University’s CASE i3 Initiative on Impact Investing, the UVUWYVÄ[VYNHUPaH[PVUZ1VUH[OHUPZH+PYLJ[VYVM7YH_PZ ^VYSK»ZÄYZ[JVTWYLOLUZP]L4)(WYVNYHTVUPTWHJ[ /V\ZPUN0UP[PH[P]LZHUVUWYVÄ[KL]LSVWLYVMZ\WWVY[P]L investing, and served as its student co-chair. Scott has housing in New York City. He has served as an Adjunct consulted for Investors’ Circle, the oldest and largest Professor in Virginia Tech University’s Urban Affairs early-stage impact investing network and was a summer and Planning program and Georgetown University’s associate with Bain & Company, where he analyzed Master’s in Real Estate program. Originally from Great infrastructure investment needs for the City of Atlanta. 41 SPEAKERS Before graduate school, Scott led strategic planning and product initiatives including the development of the THUHNLK[OL*,6»ZVMÄJLH[*LYLZHUH[PVUHSUVUWYVÄ[ LMI segment product road map. Prior to Union Bank, organization partnering with institutional investors to Rogger was a Vice President, Senior Product Manager advance corporate sustainability practices. Scott earned for JPMorgan Chase and Washington Mutual. Among HU4)(MYVT[OL-\X\H:JOVVSVM)\ZPULZZH[+\RL key accomplishments were the launch of Wamu’s 42 SPEAKERS building trainings. She has extensive background James S. Marks, MD, MPH PUJVTT\UP[`HUKLJVUVTPJKL]LSVWTLU[ÄUHUJL :LUPVY=PJL7YLZPKLU[9VILY[>VVK1VOUZVU PUJS\KPUN30/;*54;*IVUKÄUHUJPUNHUK Foundation Health Group municipal soft subsidies. Her past experience includes underwriting various types of projects including James S. Marks, MD, MPH, senior vice president, directs affordable housing, charter schools and child care all program and administrative activities of the Robert centers, grocery centers and small businesses. She has Wood Johnson Foundation (RWJF) Health Group. This a B.S. degree in Business Administration from the USC includes the Foundation’s work in childhood obesity, Marshall School, an M.S. degree in CED from So. New public health and vulnerable populations. Prior to Hampshire University, and she is a board member of joining RWJF in 2004, Marks retired as assistant surgeon SCANPH, CD Tech, California CDC. general after serving as director of the Centers for Disease Control’s National Center for Chronic Disease Robert Manuel Prevention and Health Promotion for almost a decade. +PYLJ[VYVM*9(>LSSZ-HYNV Throughout his tenure at CDC, Marks developed and advanced systematic ways to prevent and detect Robert Manuel is the Director of CRA for Wells Fargo. diseases such as cancer, heart disease and diabetes, He manages a team that is responsible for assessing reduce tobacco use and address the nation’s growing Wells Fargo’s CRA performance companywide in the epidemic of obesity. Marks received an MD from the bank’s 39-state retail footprint and working very closely State University of New York at Buffalo. He trained as with the various lines of business to provide CRA a pediatrician at the University of California at San guidance, develop effective strategies and identify best Francisco, and was an Robert Wood Johnson Clinical practices to achieve the best possible CRA ratings in Scholar at Yale University, where he received his MPH. each of the bank’s markets. During his nineteen-year career at Wells Fargo, his team has coordinated over Bruce McCrindle 35 CRA examinations, including those designated as =PJL7YLZPKLU[VM*VTWSPHUJL()*)HUR Large Bank, Limited Purpose Bank and Wholesale Bank. Robert is a member of the Consumer Bankers Bruce D McCrindle, CRCM, has over 20 years of Association’s Community Reinvestment Committee ÄUHUJPHSPUK\Z[Y`L_WLYPLUJL)Y\JLOHZ[H\NO[L]LUPUN as well as on the Board of the National Association of classes in Banking and Finance at a local community Affordable Housing Lenders. He has studied economics college and for the American Institute of Bankers in at the undergraduate and graduate levels at Cornell Chicago. He worked previously with a community University and the University of Chicago. bank as Vice President of Training and Compliance 6MÄJLYILMVYLILPUNOPYLKI`)46/HYYPZIHUR^OLYL John G. “Jack” Markowski he specialized in marketing compliance and deposit 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY*VTT\UP[` product compliance for almost 13 years. Bruce is 0U]LZ[TLU[*VYWVYH[PVU currently the Vice President of Compliance for ABC Bank, a $340M community bank with 5 branches As president of CIC, Jack Markowski oversees the OLHKX\HY[LYLKPU[OL(\Z[PUULPNOIVYOVVKVM*OPJHNV most important source of loans for the rehabilitation Bruce holds a BA in Communications and a MA in of multifamily residential buildings in the Chicago Instructional Training and Technology from Governors region. Markowski joined CIC after serving as President State University. VM7HYR)HUR0UP[PH[P]LZ[OLUVUWYVÄ[JVTT\UP[` KL]LSVWTLU[HMÄSPH[LVM7HYR5H[PVUHS)HURUV^<: Alden J. McDonald, Jr. Bank). He served as Commissioner of the Chicago 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY3PILY[`)HURHUK Department of Housing from 1999 through June, ;Y\Z[*VTWHU` 2007. During Markowski’s tenure, the Department of Housing spent more than $3 billion to assist more than Alden J. McDonald, Jr. is President and CEO of Liberty 100,000 housing units in Chicago, including more Bank and Trust Company, one of the top three African- than 5,200 SRO units, 5,700 units of senior housing, (TLYPJHUV^ULKÄUHUJPHSPUZ[P[\[PVUZPU[OL 43 SPEAKERS in the redevelopment of New Orleans and Southeast HUKLU[YLWYLUL\YZOPWUVUWYVÄ[THUHNLTLU[HUK Louisiana since Hurricane Katrina. In the aftermath organizational development. She is the co-author of of Hurricane Katrina, with his customers scattered the best-selling -VYJLZMVY.VVK!;OL:P_7YHJ[PJLZVM throughout the country, Mr. McDonald devised a /PNO0TWHJ[5VUWYVÄ[Z, named a Top Ten Book by plan that has resulted in Liberty Bank enjoying some the Economist. Most recently she worked at Monitor VMP[ZTVZ[Z\JJLZZM\SHUKWYVÄ[HISL`LHYZHM[LY[OL 0UZ[P[\[LMVYULHYS`Ä]L`LHYZ^OLYLZOLOLSWLKSLHK storm. His extraordinary efforts were chronicled in [OLPYUVUWYVÄ[HUKºUL[^VYRZ»WYHJ[PJLHYLHZ/LH[OLY the New York Times in 2006. That same year he was is a former McKinsey & Company consultant and a named one of Fortune Magazine’s Portraits of Power. co-founder of Who Cares, a national magazine for Alden McDonald’s civic and business awards and his young social entrepreneurs published from 1993-1999. service on local, regional and national boards are too Heather currently serves on the boards of FuseCorp and numerous to mention, but highlights include tenure Jacaranda Health; and Chairs the Woodside Elementary with Fannie Mae, the FDIC Advisory Committee on School Bond Campaign. She is a member of SV2, the Economic Inclusion, the American, Louisiana and Women’s Information Network at Stanford GSB. National Bankers Associations. He is a graduate of the LSU School of Banking and of Columbia University’s Jonathan Miller Commercial Banking Management Program. +LW\[`+PYLJ[VY-LKLYHS+LWVZP[0UZ\YHUJL Corporation Molly McKnight Deputy Director Jonathan Miller leads the FDIC’s :V\[OLYU+PZ[YPJ[*VTWSPHUJL3LHK,_WLY[6MÄJLVM Division of Depositor and Consumer Protection [OL*VTW[YVSSLYVM[OL*\YYLUJ` Policy and Research Branch. This branch does original Molly McKnight serves as the Southern District consumer research; provides analytic support for Compliance Lead Expert, providing technical expertise compliance examinations; develops guidance on and support for community bank supervision programs consumer laws and regulations; develops supervisory in the areas of the Community Reinvestment Act, fair policy; and keeps abreast of industry trends affecting lending, consumer compliance regulations, and the Bank consumers and depositors. Prior to joining the FDIC :LJYLJ`(J[4J2UPNO[PZHMYLX\LU[ZWLHRLYMVYPUK\Z[Y` in February 2011, Deputy Director Miller worked for events and has specialized in compliance supervision the U. S. Congress for more than 23 years including since 1997. McKnight joined the OCC in 1999 after for the Senate Banking Committee, where he helped serving as an examiner with the FDIC for ten years. draft the consumer protections and mortgage provisions 4J2UPNO[OVSKZH*LY[PÄLK9LN\SH[VY`*VTWSPHUJL of the Dodd-Frank Act; the House Financial Services 4HUHNLYJLY[PÄJH[PVUH*LY[PÄLK(U[P4VUL` Committee, working primarily on issues related to 3H\UKLYPUN:WLJPHSPZ[JLY[PÄJH[PVUHUKJVTWSL[LK[OL housing; and a number of individual Members of ABA Graduate School of Compliance Management. She Congress. Mr. Miller is a graduate of Georgetown went to college in Kansas and has a Master of Science University and has a Master’s degree in Public Policy degree in Industrial/Organizational Psychology from from the Harvard University’s John F. Kennedy School of Emporia State University and a Bachelor of Arts degree Government. with majors in Business Administration and Psychology from Benedictine College. Jonathan Mintz -V\UKPUN7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY*P[PLZ Heather McLeod-Grant MVY-PUHUJPHS,TWV^LYTLU[ Founder, McLeod-Grant Advisors Jonathan Mintz is Founding President and Chief Heather McLeod Grant is the founder and principal ,_LJ\[P]L6MÄJLYVM[OL*P[PLZMVY-PUHUJPHS of McLeod-Grant Advisors and a published author, ,TWV^LYTLU[*-,-\UKHUH[PVUHSUVUWYVÄ[ speaker/trainer, and consultant with more than twenty organization that supports municipal efforts to years experience in the social sector. Her current work help low-income families and individuals achieve focuses on creating transformative leadership and SVUN[LYTÄUHUJPHSZ[HIPSP[`/LHSZVMV\UKLKHUK networks for social change. She’s helping launch several co-chaired the Cities for Financial Empowerment new leadership programs: the Irvine New Leadership Coalition (CFE Coalition), which brings together Network and Catalyst Corps, a network of high-impact pioneering municipal governments from across the board leaders. She is also currently helping facilitate JV\U[Y`[VHK]HUJLPUUV]H[P]LÄUHUJPHSLTWV^LYTLU[ several issue-based networks in California: the iZone initiatives on the municipal, state, and national level. Silicon Valley, Housing California, and writing case At the CFE Fund, Mintz provides resources to local studies of the Pioneers in Justice leadership network government leaders and their partners across the (Levi Strauss Foundation). She has prior expertise ^VYSKSVVRPUN[VL_WHUKÄUHUJPHSLTWV^LYTLU[ focused on scaling social impact, social innovation programs, policies, and research. Mintz worked in the 44 SPEAKERS Bloomberg Administration for its full 12 years, and Angela Mysak was the longest serving Commissioner in the history :LUPVY*VTWSPHUJL,_HTPULY-LKLYHS+LWVZP[ of the Department. Building on these experiences in Insurance Corporation New York City government, Mintz has pioneered the “Supervitamin Effect,” a growing body of programs, Angela Mysak serves as a Senior Compliance Examiner policies, and research that measures the positive for the FDIC, employed by the Corporation for 10 PTWHJ[ZVMPU[LNYH[PUNÄUHUJPHSLTWV^LYTLU[ZLY]PJLZ years. In this role, she is responsible for conducting, into mainstream local government antipoverty programs supervising, and directing bank examinations (including such as workforce development, public housing, highly complex, sensitive, and problem-characteristic domestic violence, prisoner reentry, and more. Mintz institutions), investigations, and other activities relating has also worked as an attorney, professor of law, and to consumer protection, fair lending and civil rights Second Grade teacher, with graduate degrees from laws and regulations, consumer complaints, and related Cornell School of Law and Bank Street College of enforcement actions. Further, she conducts Community Education. Reinvestment Act (CRA) performance evaluations for small, intermediate, and large institutions. She currently John Moon serves as a regional resource for developing and implementing examination procedures and is actively +PZ[YPJ[4HUHNLY*VTT\UP[`+L]LSVWTLU[-LKLYHS involved in the FDIC’s on-the-job training program by Reserve Bank of San Francisco coaching subordinate employees. During her tenure, Ms. John Moon joined the Federal Reserve Bank of San Mysak has also performed examination report review Francisco in 2012 and directs the strategic activities functions, assisted the Kansas City Region in carrying out VM[OLÄLSK[LHT/LOHZL_[LUZP]LJVTT\UP[` recruiting initiatives through job applicant assessments, development experience in the public and private and has provided Home Mortgage Disclosure (HMDA) sectors including work at Living Cities, the Federal [YHPUPUNH[[OLYLX\LZ[VMIHURWLYZVUULS Reserve Board of Governors, the CDFI Fund, the City of Seattle, Federal Home Loan Bank of Seattle, and Joe Neri Fleetbank. As an investor he has facilitated and invested *OPLM,_LJ\[P]L6MÄJLY0-- in community development transactions ranging from As CEO, Joe Neri, is charged with leading all of IFF’s affordable housing projects, small business loans, business units and programs including: lending, real commercial-real estate, transit development, and estate services, research, public policy, school services others using a wide range of public and private capital and affordable housing, and is responsible for meeting sources. John has also advanced national community HSSÄUHUJPHSHUKWYVNYHTNVHSZ4Y5LYPOHZ^VYRLK development programs and policies, including those in comprehensive community development for over 25 involving community/social investments, small business years and has broad, direct experience in community credit, and affordable housing. He has also published facility planning and development; affordable housing; articles and papers and spoken nationally on these community small business lending; child care facilities topics. John earned his Bachelor’s degree from UCLA KLZPNUHUKÄUHUJL"HUKJOHY[LYZJOVVSH\[OVYPaPUN and a Master’s in Public Policy from the Kennedy School ÄUHUJLHUKKL]LSVWTLU[4Y5LYPWYV]PKLZUH[PVUHS of Government at Harvard University. JVTTLU[HY`VUJVTT\UP[`KL]LSVWTLU[ÄUHUJLHUK [OLUVUWYVÄ[ZLJ[VY4Y5LYPQVPULK0--PU [V Gretchen Murphy create IFF’s Real Estate Services division which actively :LUPVY=PJL7YLZPKLU[VM4HYRL[PUNHUK[OL*VTT\UP[` provides real estate consulting and project management 9LPU]LZ[TLU[(J[6MÄJLY:V`*HWP[HS)HUR [VUVUWYVÄ[Z7YPVY[VQVPUPUN0--4Y5LYPOLSWLKJYLH[L and was the Associate Director of The Resurrection Gretchen Murphy is a Senior Vice President of Project, a nationally recognized Chicago community Marketing and the Community Reinvestment Act development corporation, and served as the Director of 6MÄJLYVM:V`*HWP[HS)HURHUKOHZOLSKU\TLYV\Z Economic Development for a municipality, where he positions in her 23 years at the Bank. Other positions managed two job-creation loan funds. Mr. Neri holds a she has held include, head of Retail, CFO/Cashier and Masters in City Planning from UC Berkeley, and a BA in Internal Auditor. Murphy received an Accounting degree Urban Affairs from Grinnell College. from Millikin University and her MBA from U of I in :WYPUNÄLSK4\YWO`ZP[ZVU[OL)VHYKZVM[OL.YLH[LY Decatur Chamber of Commerce and the Forsyth Sunrise Rotary Club. Murphy is also a former Board member of the Illinois Bankers Association. 45 SPEAKERS Cathy Niederberger Partnership), appointed by Mayor Rahm Emanuel and Cook County Board President Toni Preckwinkle. Karin 4HUHNPUN+PYLJ[VYVM*VTT\UP[`+L]LSVWTLU[ oversaw the creation and launch of The Partnership, a Banking, PNC Bank UVUWYVÄ[HNLUJ`PU1\S`HUKPZJ\YYLU[S`^VYRPUN Cathy Niederberger is Managing Director of Community to reform and revitalize the public workforce system in Development Banking for PNC Bank. In this role, the greater Chicagoland area. She served as the Director she oversees PNC’s community development teams of Cook County Works, the federally-funded workforce in 14 states and the District of Columbia, directing development agency for south and west suburban Cook the community development lending, investment County, spearheading a comprehensive reorganization and services results for the PNC footprint. This is of Cook County’s workforce development agency. accomplished by assessing community and customer Among her responsibilities, Karin was instrumental in needs in low and moderate income communities and creating and implementing innovative initiatives for job- KLSP]LYPUNYLZV\YJLZIV[OÄUHUJPHSHUKPU[LSSLJ[\HS seekers and businesses. Prior to her role in workforce to meet those needs through company-wide goals and development, Ms. Norington-Reaves served as Deputy strategies. Throughout her Community Development +PYLJ[VYVM[OL6MÄJLVM 46 SPEAKERS Olson was selected to develop and implement the CRA Teresa Perez WLYMVYTHUJLL]HS\H[PVUX\HSP[`JVU[YVSYL]PL^WYVJLZZ *VTT\UP[`(MMHPYZ6MÄJLY-LKLYHS+LWVZP[0UZ\YHUJL within the midsize line of business. She is responsible Corporation for reviewing performance evaluations for consistency, completeness, and to ensure ratings and conclusions are ;LYLZH7LYLaPZ[OL*VTT\UP[`(MMHPYZ6MÄJLYVM[OL HKLX\H[LS`Z\WWVY[LK Federal Deposit Insurance Corporation’s Kansas City Region Community Affairs Branch. Her area includes the John Olson states of Kansas, Missouri, Nebraska, Iowa, South Dakota, *9(6MÄJLYHUK=PJL7YLZPKLU[ Mark Pinsky Controller’s Financial Literacy Advisory Council. José is a 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY6WWVY[\UP[` graduated from Princeton University’s Woodrow Wilson School and the University of California at Davis. Finance Network Mark Pinsky is President & CEO of Opportunity Rip Rapson Finance Network (OFN), the national network of 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY;OL2YLZNL OPNOWLYMVYTPUNJVTT\UP[`KL]LSVWTLU[ÄUHUJPHS Foundation institutions (CDFIs). Since 1995, Mark has led OFN and Rip Rapson, attorney and expert in urban policy, the CDFI industry through a series of transformations is president and CEO of The Kresge Foundation, that have resulted in the growth of industry assets a $3 billion national, private foundation based in HUKÄUHUJPUNHZ^LSSHZ[OLKYHTH[PJHSS`PUJYLHZLK metropolitan Detroit. Rapson came to Kresge in 2006 ability of Member CDFIs to expand product and and led the philanthropy in a multiyear transition to geographic coverage to more disadvantaged people and expand and recalibrate its grantmaking. Strategically communities. Under his leadership, OFN continues to focused programs emerged: arts and culture, education, YLHMÄYTP[ZJVYLW\YWVZL·HSPNUPUNJHWP[HS^P[OZVJPHS environment, health, human services, and community economic, and political justice. A former Chair of the development in Detroit, Kresge’s hometown. Each Consumer Advisory Council of the Federal Reserve seeks to expand opportunities in America’s cities so Board of Governors, Marks serves on an array of that vulnerable people can lead self-determined lives national and local boards and is the Founding President and join the economic mainstream. Rapson put into of Congregation Tzedek v’Shalom in Newtown, practice the use of multiple funding methods, including Pennsylvania. operating support, project support and program-related investments. Program-related investments, such as loans Ray Pruszkowski and loan guarantees, allow Kresge to use its capital in 5H[PVUHS)HUR,_HTPULY6MÄJLVM[OL*VTW[YVSSLYVM ways that extend beyond traditional grantmaking. [OL*\YYLUJ` Larry Refsland Ray Pruszkowski is a National Bank Examiner for the 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`6**^OPJO 7YLZPKLU[>LZ[LYU5H[PVUHS)HUR*HZZ3HRL supervises nationally chartered banks and thrifts. For the Larry is the President of Western National Bank Cass past seven years, he has been a compliance examiner in Lake. Cass Lake, MN is in the heart of the Leech the OCC’s Large Bank Supervision division. Prior to that, Lake Reservation, home of the Leech Lake Band of he was a safety and soundness examiner in the Mid-size Ojibwe. Prior to moving to Cass Lake, Larry served and Community Banks division. He joined the OCC as a consultant to a bank in Washington State that in 2000 and was commissioned as a National Bank ultimately hired him as Vice President in the Troubled Examiner in 2005. Prior to his service with the OCC, Asset Division. He developed a strong reputation in OL^VYRLKPU[OLWYP]H[LZLJ[VYMVYHNSVIHSÄUHUJPHS [OLJVUZ[Y\J[PVUSLUKPUNÄLSK^OPSLH[)YLTLY)HUR ZLY]PJLZJVTWHU`/LPZHSZVH*LY[PÄLK(U[P4VUL` PU7LYOHT459LHS,Z[H[LSLUKPUN^HZHUH[\YHSÄ[ Laundering Specialist. Ray is a graduate of Rutgers for Larry after working for several years in the Twin University. Cities market as a real estate agent and broker. He José Quinonez was the General Manager for a 60 agent real estate *OPLM,_LJ\[P]L6MÄJLY4PZZPVU(ZZL[-\UK VMÄJLPU)\YUZ]PSSL45HUK^HZHWVW\SHY[LHJOLYMVY Continuing Education classes before making the move 1VZt8\PUVULaPZHWHZZPVUH[LHK]VJH[LMVYZVJPHSQ\Z[PJL “up North” to his lake property not too far from Cass He became Mission Asset Fund’s founding CEO in 2007. Lake. 4PZZPVU(ZZL[-\UK4(-PZHUH^HYK^PUUPUNUVUWYVÄ[ VYNHUPaH[PVU[OH[PU[LNYH[LZÄUHUJPHSS`L_JS\KLKSV^ Nancy Register PUJVTLHUKPTTPNYHU[JVTT\UP[PLZPU[V[OLÄUHUJPHS mainstream by offering innovative and culturally (ZZVJPH[L+PYLJ[VY*VUZ\TLY-LKLYH[PVUVM(TLYPJH YLSL]HU[ÄUHUJPHSWYVNYHTZWYVK\J[ZHUKZLY]PJLZ Nancy Register is the Associate Director of the Most recently, José was selected to Chair the Consumer Consumer Federation of America. Ms. Register is also Financial Protection Bureau’s Consumer Advisory Board; the national director for CFA’s social marketing wealth elected as an Ashoka Fellow; received the 2013 James building campaign, America Saves, which encourages Irvine Leadership Award; selected to the Aspen Institute low-income households to save, reduce debt, build -LSSV^ZOPWMVY,TLYNPUN5VUWYVÄ[3LHKLYZ"YLJLP]LK wealth through homeownership and at work, save the 2012 Bank of America’s Neighborhood Excellence during tax time, create emergency savings and elect Award; and received the 2012 Latino Leader Magazine SF Maestro Award. He serves as Vice Chair of the automatic saving. She is a recognized national expert on Board for Credit Builder’s Alliance and is a member to issues that impact the ability of low-income households Experian’s Consumer Advisory Council and California to build wealth including access to products, 48 SPEAKERS institutional support, and technology. Ms. Register $2.2 trillion, Community Development Banking is a also directs the State and Local Development Program SLHKLYPUWYV]PKPUNÄUHUJPUNZVS\[PVUZ[OH[ILULÄ[ to strengthen consumer activism and managing the low-income communities across the nation. Matt Ann K. Lower State and Local Grants Fund. She is the oversees both Chase’s proprietary NMTC allocations primary contact for CFA with over 100 state and local HUK[OLÄYT»ZPU]LZ[TLU[PUV[OLY54;*M\UKZHUK members of CFA. Ms. Register directs the organization’s transactions. Additionally, Matt is responsible for the ÄUHUJPHSTHUHNLTLU[HUKVWLYH[PVUZ:OLHSZVV]LYZLLZ ÄYT»ZYLSH[PVUZOPWZ^P[O*VTT\UP[`+L]LSVWTLU[ donor relations. She was named a member of the Financial Institutions (CDFIs). Matt is responsible for the Housing Impact Advisory Board for Fannie Mae. She is ÄYT»Z TPSSPVUSVHUWVY[MVSPV^P[O*+-0ZHUK[OLPY a current member of the Financial Services Roundtable HMÄSPH[LZ0U[OPZJHWHJP[`OLHSZVV]LYZLLZZ[Y\J[\YLK Retirement Saving Advisory Committee. Ms. Register is M\UKZ[OH[WYV]PKLJHWP[HSZWLJPÄJHSS`[VJOHY[LY the recipient of several community service awards. In ZJOVVSZNYVJLY`Z[VYLZHUKMLKLYHSS`X\HSPÄLKOLHS[O addition to serving on the Bright Beginnings Board as its care centers operating in low-income communities. current president, she is the immediate past-president Matt joined Chase in 2000 as part of a management- and current treasurer of Capital Area Asset Builders, training program and has since worked in a range Inc., is a member of the national JumpStart Board of of departments at the bank including, Commercial Directors, and past-President of the District of Columbia Real Estate Lending, Private Banking, Asset-backed Library Foundation Board. :LJ\YP[PaH[PVU.V]LYUTLU[9LSH[PVUZHUK[OL6MÄJL of the Chairman. Matt holds an International Politics Carolina Reid degree from Georgetown University and an MBA from (ZZPZ[HU[7YVMLZZVY*P[`HUK9LNPVUHS7SHUUPUN the Kellogg School of Management at Northwestern 49 SPEAKERS with San Diego Trust & Savings Bank starting as a Taryn Roch teller and throughout the next 20 years has built his 7YVNYHT6MÄJLY3VJHS0UP[PH[P]LZ:\WWVY[*VYWVYH[PVU JHYLLY^P[OWYPUJPWHSÄUHUJPHSPUZ[P[\[PVUZZ\JOHZ Chicago Crocker Bank, Union Bank, 1st Nationwide Bank, Chase Manhattan, and Home Savings of America. ;HY`U9VJOPZ30:*»Z*OPJHNV7YVNYHT6MÄJLYMVY After founding Greenview Consulting, a management- Evaluation and Impact. In this role, she provides JVUZ\S[PUNÄYTKLKPJH[LK[VWYV]PKPUNJVUZ\S[H[P]L high-level analytical skills, grounded in community ZLY]PJLZ[VÄUHUJPHSPUZ[P[\[PVUZOLYL[\YULK[V 50 SPEAKERS Esther Schlorholtz School of Public Communications at Syracuse +PYLJ[VYVM*VTT\UP[`0U]LZ[TLU[HUK:=7)VZ[VU University, a master’s degree in writing from George 7YP]H[L)HUR ;Y\Z[*V Mason University, and a bachelor’s degree in visual arts from the Corcoran College of Art and Design. Ms. Schlorholtz is Director of Community Investment and SVP of Boston Private Bank & Trust Co., located Anthony Schoenleber in Greater Boston, San Francisco Bay and Greater Los *VTWSPHUJLHUK*9(6MÄJLY*VTT\UP[` Angeles. She is on the Policy Group and responsible for Savings Bank managing Community Reinvestment Act (CRA) programs overseeing community development, residential and Anthony Schoenleber began his CRA roots in Chicago small business lending, investments, volunteerism and at Mid-City National Bank (currently known as MB donations. Under her stewardship the Bank achieved Financial Bank). Anthony spent a little under four years “Outstanding” CRA ratings. She is board vice chair assisting in CRA functions and creating a compliance and chairs the credit committee of the MA Growth training program for MB Financial Bank. He continued Capital Corp. She is on the boards of Metropolitan his professional growth, serving as a Senior Compliance Boston Housing Partnership and Citizens’ Housing Consultant for three years at Crowe Chizek and And Planning Assoc.; on the MA Housing Investment Company, LLC (currently Crowe Horwath LLP). In the Corporation’s Loan and New Markets Tax Credit last seven years, Anthony has worked at Community committees; on the Newton Fair Housing Committee Savings Bank as the Compliance, CRA, Information and co-chairs Uniting Citizens for Housing Affordablity :LJ\YP[`7YP]HJ`HUK6-(*6MÄJLY(KKP[PVUHSS` in Newton (U-CHAN). She served on the board of MA Anthony has presented at the 2009 Annual Interagency Community & Banking Council, as chair and co-chaired Minority Depository Institutions National Conference the Economic Development and Affordable Housing and continues to perform outreach in the community. committees, and on the MA Small Business Assistance Advisory Council and the MA Asset Development Ellen Seidman Commission. In Boston, she served on the Mayor’s :LUPVY-LSSV^ 51 SPEAKERS Lisa Shepard issues, including credit cards, the unbanked, the :LUPVY(ZZVJPH[L,_HTPULY-LKLYHS9LZLY]L)HUR Community Reinvestment Act, and regulatory reform of Boston measures. She began her career as an Associate ([[VYUL`PU[OLÄUHUJPHSPUZ[P[\[PVUZWYHJ[PJLVMHTHQVY Lisa Shepard is a Senior Associate Examiner with the >HZOPUN[VU+*SH^ÄYT:OLOVSKZHIHJOLSVY»Z Federal Reserve Bank of Boston. Prior to joining the degree from Wellesley College (THNUHJ\TSH\KL), a Federal Reserve, Ms. Shepard worked as a Supervisory Juris Doctorate degree from Harvard Law School, and Examiner with the Massachusetts Division of Banks, Masters of Public Policy from the Kennedy School of where she exclusively conducted CRA and Fair Lending Government, Harvard University. Examinations. As a consumer affairs examiner in the Reserve Bank’s Regional and Community Unit, Thurman Smith Ms. Shepard has conducted all aspects of consumer Senior Vice President and Market Manager - compliance examinations, but continues to specialize *VTT\UP[`+L]LSVWTLU[)HURPUN75*)HUR in the area CRA. During her time at the Boston Fed, Ms. Shepard has also had the opportunity to work with Tony Smith joined PNC in May, 2010 to lead the Regional and Community Outreach Department community development efforts in the Wisconsin- and support their efforts in promoting community and Illinois-St. Louis region. PNC Community Development economic development. Banking is devoted to the delivery of community development banking programs and investments that Tyler Sines support sustainable economic development for low and ,_HTPULY-LKLYHS9LZLY]L)HURVM([SHU[H moderate income (LMI) communities and consumers. This is achieved through strategic investments, lending, Tyler Sines is an examiner at the Federal Reserve Bank of public service and technical assistance, including Atlanta, currently working on the dedicated Community ÄUHUJPHSLK\JH[PVU0U[OPZJHWHJP[`OLHSZVZLY]LZ Reinvestment Act (CRA) and Fair Lending team in the on the bank’s foundation and grant committee for Supervision and Regulation Department. FRB Atlanta’s the region and represents the bank on numerous CRA/Fair Lending team primarily focuses on the community boards and advisory groups. He has more supervision of large, complex institutions (with assets than 30 years of banking experience. He has also over $10 billion) in the Sixth District. As a part of this served as an Adjunct Professor in the Business School team, Sines has led and assisted on CRA examinations at California State University-Northridge. A veteran of some of the largest statemember banks in the Federal and former Marine, Tony served as a member of the Reserve System. Tyler began at FRB Atlanta in an /4?[OL7YLZPKLU[PHS/LSPJVW[LY:X\HKYVUK\YPUN associate examiner role on the consumer compliance the Ford and Carter administrations. He has a long team before transitioning into the CRA specialist role. He history of community and civic board commitments, holds a BA degree in economics from Furman University. including serving on the City of Chicago 5 Year Housing Plan Advisory Committee, on the Executive Patience Singleton Committee for Community Investment Corporation :LUPVY7VSPJ`(UHS`Z[-LKLYHS+LWVZP[0UZ\YHUJL and Community Initiatives Corporation, and on the *VYWVYH[PVU+P]PZPVUVM+LWVZP[VYHUK*VUZ\TLY IVHYKZVM5LPNOIVYOVVK/V\ZPUN:LY]PJLZ8\HK Protection Community Development, Executive Committee for The Patience Singleton joined the FDIC in March 2013 as Preservation Compact, SomerCorp (SBA/Small Business a Senior Policy Analyst in the Division of Depositor Lending), the Capital Project Finance Committees for and Consumer Protection. Ms. Singleton has 16 years DuSable Museum,and Trinity 95th and Cottage Grove VML_WLYPLUJLHUKL_WLY[PZLPUJVUZ\TLYÄUHUJPHS Community Development. services policy development. Prior to joining the -+0*4Z:PUNSL[VUZLY]LKHZHU(K]PZVYPU[OL6MÄJL Charles Spies, III of U.S. Housing and Urban Development Secretary *OPLM,_LJ\[P]L6MÄJLY*,0*HWP[HS4HUHNLTLU[33* Shaun Donovan where she worked on initiatives Charles Spies III is CEO of CEI Capital Management to preserve homeownership and stabilize housing LLC (CCML), one of the nation’s leading allocators markets. From 2007-2009, she was a Counsel to the of New Markets Tax Credits and a wholly-owned US House of Representative Committee on Financial subsidiary of CEI (f.k.a. Coastal Enterprises, Inc.). In this Services where she advised Chairman Barney Frank position, he oversees CCML’s capital sourcing, project on consumer banking, economic inclusion, and sourcing, investment recommendations, organizational community reinvestment issues. From 1998 to 2007, management and program compliance. Under his she served as Counsel to Senator Paul Sarbanes on the guidance, CCML has placed more than $800 million Senate Banking, Housing and Urban Affairs Committee. of federal New Markets Tax Credits in more than :OL^HZ[OLYLZWVUZPISLMVYHOVZ[VMÄUHUJPHSZLY]PJLZ 80 projects nationally that have helped create and 52 SPEAKERS WYLZLY]LQVIZHUKPTWYV]LX\HSP[`VMSPMLPUSV^PUJVTL Sherrill Stockton communities. Over 80% of these projects are located Senior Vice President, Exchange Bank in rural communities. Charlie received a B.S. in Forest Utilization and an M.S. in Forest Entomology from the Sherrill Stockton is the Senior Vice President of SBA University of Maine as well as an M.B.A. from Southern 3LUKPUNH[,_JOHUNL)HUROLHKX\HY[LYKPU:HU[H9VZH New Hampshire University. He was the 2004 recipient CA. She has over 20 years experience in SBA lending of the SBA’s Financial Services Advocate Award for and currently chairs the Technical Issues Committee for Maine and currently serves on the Executive Committee the National Association of Government Guaranteed of the National New Markets Tax Credit Coalition. Lenders (NAGGL) and is also an instructor for NAGGL. Dan Sprehe Thomas Stokes 4HUHNPUN+PYLJ[VY*VYWVYH[L9LZWVUZPIPSP[`4PK^LZ[ *VTT\UP[`(MMHPYZ6MÄJLY-LKLYHS+LWVZP[0UZ\YHUJL 9LNPVU174VYNHU*OHZL Corporation Dan Sprehe leads a nine-state Corporate Responsibility Thomas E. Stokes III was named Community Affairs region in the Midwest. The team includes six Global 6MÄJLYVM[OL([SHU[H9LNPVUPU5V]LTILY Philanthropy Relationship Managers who work with (Z*VTT\UP[`(MMHPYZ6MÄJLY4Y:[VRLZKPYLJ[Z[OL a broad range of community partners to be catalysts community development outreach that helps insured for meaningful, positive and sustainable change in depository institutions in the southeast meet community high-need neighborhoods and communities across credit needs. Mr. Stokes was a Community Affairs the Midwest. The team manages over $18 million of Specialist in the Atlanta region for three years prior regional investments in four major areas of focus – [VILJVTPUN*VTT\UP[`(MMHPYZ6MÄJLY4Y:[VRLZ Affordable Housing, Economic Development, Financial OHZHSZVILLUH7YVNYHT4HUHNLYHU,[OPJZ6MÄJLY Empowerment and Workforce Readiness. In addition, and a Supervisory Financial Institutions Specialist. Mr. the region includes four Government and Community :[VRLZOHZHSZVZLY]LKOLHKX\HY[LYHZZPNUTLU[ZPU Relations Managers who serve as important partners Washington, DC. with and liaisons to a wide range of public policy VYNHUPaH[PVUZHUKLSLJ[LKVMÄJPHSZ1VPUPUN[OLÄYTPU Maggie Super Church 2005, Dan has held prior positions as a Government Independent Consultant, Relations Manager in the Midwest and as the Director Maggie Super Church is an independent consultant of Civic Engagement. From 2010 through 2012, he based in Lawrence, Massachusetts. Her consulting worked closely with Market Leadership Teams and the practice provides strategic support to mission-driven Government Relations group to roll out the Ambassador clients working to create healthy, sustainable, and program in 23 retail footprint states and across all LX\P[HISLJVTT\UP[PLZ/LYL_WLY[PZLZWHUZT\S[PWSL lines of business. Dan Sprehe earned a Bachelor of disciplines, including urban design and planning, real Arts degree in politics began as a student in the Illinois estate development, community engagement, and General Assembly Graduate Internship Program at the W\ISPJOLHS[O:OLIYPUNZTVYL[OHUÄM[LLU`LHYZVM Timothy S. Thorland Scott Turner Executive Director, Southwest Housing Solutions =PJL7YLZPKLU[*VTT\UP[`,UNHNLTLU[-LKLYHS Timothy S. Thorland is the Executive Director for Reserve Bank of San Francisco :V\[O^LZ[/V\ZPUN:VS\[PVUZHUVUWYVÄ[OV\ZPUN Scott Turner is Vice President and oversees the corporation, in Detroit, Michigan. Serving as Executive Community Engagement Group in the Federal Reserve Director since 2004, Tim has over 25 years experience Bank of San Francisco, which includes the Community in urban planning, architecture, and real estate Development, Economic Education and Community development, including 20 years’ experience producing Perspectives Departments. Scott joined the Bank in 2002 HMMVYKHISLOV\ZPUNPU[OLUVUWYVÄ[PUK\Z[Y`:PUJL with diverse experience in areas such as municipal and joining Southwest Housing Solutions in 1999 he has PU[LYUH[PVUHSÄUHUJLOV\ZPUNWVSPJ`HUKYLZLHYJOHUK been responsible for completing more than $120 million sovereign risk assessment. A Seattle native, Scott spent of residential and commercial development; as well most of his professional life in New York City, divided as, designing and implementing programs which have LX\HSS`IL[^LLU[OLW\ISPJHUKWYP]H[LZLJ[VYZ/PZ helped thousands of households secure and preserve public sector experience includes positions as Director homeownerhip. Tim has extensive experience in real of Research in New York City’s Finance Department LZ[H[LÄUHUJPUNHUKVYJOLZ[YH[PUN[OLKL]LSVWTLU[ and Deputy Commissioner for Policy in the City’s process, foreclosure prevention and lending Department of Housing Preservation and Development. programs and has been employed in architecture and His private sector positions were Senior Analyst in the municipal planning. Tim earned Bachelor of Science International Finance Department at Standard & Poor’s in Architecture and Bachelor of Architecture degrees and Executive Director of the Sovereign Risk Group MYVT3H^YLUJL;LJOUVSVNPJHS 54 SPEAKERS Maria Villanueva Dennis West :LUPVY*VTWSPHUJL,_HTPULY-LKLYHS9LZLY]L)HURVM President, Northern Initiatives San Francisco Since 1997, Dennis West has served as President of Maria Villanueva is a senior compliance examiner at the 5VY[OLYU0UP[PH[P]LZHWYP]H[LUV[MVYWYVÄ[JVTT\UP[` Federal Reserve Bank of San Francisco. She has been KL]LSVWTLU[ÄUHUJPHSPUZ[P[\[PVUIHZLKPU4HYX\L[[L with the Federal Reserve System for 25 years and began Michigan. Northern Initiatives was founded by Northern her career as an assistant examiner in 1988. She has Michigan University. Northern Initiatives serves 46 since worked in various capacities, including managing JV\U[PLZVMY\YHS4PJOPNHUHUKÄ]L>PZJVUZPU*V\U[PLZ an analytical unit that conducted fair lending regression WYV]PKPUNÄUHUJPHSHUKI\ZPULZZHK]HUJLTLU[ZLY]PJLZ analysis, CRA and fair lending protested applications, to underserved rural markets. Northern Initiatives helps consumer complaints, and examination report review. people start and grow businesses, strategizes with Villanueva also managed the San Francisco Reserve communities to develop public private partnerships, Bank’s Economic Education Unit in the Public Affairs and promotes entrepreneurship, tourism and regional Department. In 2007, Villanueva earned the designation collaboration. Northern Initiatives has made over 700 VMJLY[PÄLKYLN\SH[VY`JVTWSPHUJLTHUHNLYMYVT[OL loans totaling more than $41 million with forty percent 0UZ[P[\[LVM*LY[PÄLK)HURLYZ:OLPZJ\YYLU[S`[OL of its loans to women owned businesses, and around dedicated compliance examiner for four regional one third to start ups. Its business advancement services holding companies, periodically conducts compliance provide technical assistance, training and consulting and CRA examinations, and has taught a number of to over 100 businesses annually. Dennis earned his compliance and CRA schools for the Federal Reserve undergraduate degree from Hanover College and Board of Governors. did graduate work at the University of Wisconsin- Milwaukee in Urban Affairs. Paul Weech ,_LJ\[P]L=PJL7YLZPKLU[MVY7VSPJ`HUK,_[LYUHS(MMHPYZ Barry Wides Housing Partnership Network +LW\[`*VTW[YVSSLY*VTT\UP[`(MMHPYZ6MÄJLVM[OL Paul Weech is the executive vice president for policy *VTW[YVSSLYVM[OL*\YYLUJ` and external affairs at the Housing Partnership Network. )HYY`>PKLZPZ[OL6MÄJLVM[OL*VTW[YVSSLYVM[OL He is a federal housing policy expert with more than Currency’s (OCC) Deputy Comptroller for Community 25 years of eclectic experience in the housing and Affairs, where he leads a department of community ÄUHUJPHSZLY]PJLZÄLSKZ0TTLKPH[LS`WYPVY[VQVPUPUN development professionals located in Washington, HPN full time, Mr. Weech worked for both HPN and D.C., and the OCC districts. The Community Affairs Stewards of Affordable Housing for the Future. Paul staff is responsible for outreach to banks and their has served at Fannie Mae in various affordable housing community partners, the administration of the “Part 24” and public policy leadership positions, culminating public welfare investment authority, the development of in a role as the vice president for Mission Strategy policy, and the creation and distribution of educational and Execution in the Business Strategy Group. He has materials on community development issues. Prior to also served as the chief of staff at the United States joining the OCC in 1999, Mr. Wides was Director of Small Business Administration, as the staff director Affordable Housing Sales at Freddie Mac, where he for the Subcommittee on Housing and Community led a nationwide sales team responsible for developing Development for the U.S. Senate Committee on products and strategies to achieve the company’s Banking, Housing, and Urban Affairs, and as a senior congressionally mandated affordable housing goals. He analyst for Housing and Credit for the U.S. Senate previously served as Deputy Director of the Resolution Committee on Budget. Paul received a master of Trust Corporation’s Affordable Housing Program. Mr. public policy degree from the Ford School for Public Wides began his career in Washington, D.C. as a Policy Studies at the University of Michigan in 1981 Presidential Management Intern and Budget Examiner and a bachelor of arts in political science from Duke H[[OL6MÄJLVM4HUHNLTLU[HUK)\KNL[4Y>PKLZ University in 1978. He serves on the boards of the PZH*LY[PÄLK7\ISPJ(JJV\U[HU[HUKOVSKZHIHJOLSVY National Low Income Housing Coalition, the National of science in accounting and an MBA from Indiana Housing Conference, the Bollinger Foundation, and the University. /V\ZPUN(ZZVJPH[PVUVM5VUWYVÄ[+L]LSVWLYZ/LHSZV serves as the Chair of the Ford School Alumni Board. 55 SPEAKERS Mildred Wiley and bank holding company inspections. She also served :LUPVY+PYLJ[VYVM*VTT\UP[`9LSH[PVUZ)L[OLS5L^ HZ[OLVMÄJLYPUJOHYNLVM[OLJVTWSPHUJLL_HTPUH[PVU Life, Inc. division for 12 years and was responsible for supervision of banks for compliance with fair lending laws, Mildred Wiley is Senior Director of Community compliance matters, and CRA. She holds a BB in Relations at Bethel New Life, Inc. She is a 40 year ÄUHUJLMYVT>LZ[LYU0SSPUVPZ 56 SPEAKERS cross-sector partnerships that resulted in better outcomes 1996, serving as Vice-Chair of the Bank Regulation at lower costs. Before joining Public Health, Janna worked Committee in 1998. In 2011, he was appointed for several years as the lead housing and community I`03.V]LYUVY7H[8\PUU[V[OL03:THSS)\ZPULZZ development planner for King County’s Department of Environmental Assistance Program’s advisory panel. Community and Human Services. She holds a BA from Ted served 22 years as a board director of the National Willamette University and a Master’s degree from the Community Reinvestment Coalition, including serving University of Virginia. as board chair in 2009 & 2010. Ted’s consulting expertise advances sustainable community development Lee E. Winslett and innovations in job training, small business :LUPVY=PJL7YLZPKLU[5L^4HYRL[Z;H_*YLKP[.YV\W ÄUHUJPUNHUKZVJPHS]LU[\YLZ >LSSZ-HYNV Scott Young Lee Winslett is the Senior Vice President and Division Manager for Wells Fargo’s New Markets Tax Credit Group :LUPVY=PJL7YLZPKLU[HUK*OPLM-PUHUJPHS6MÄJLY where he leads a team of specialized lenders that provides *VTT\UP[`9LPU]LZ[TLU[-\UK<:( KLI[HUK[H_JYLKP[LX\P[`[VOPNOPTWHJ[YLKL]LSVWTLU[ (Z:LUPVY=PJL7YLZPKLU[HUK*OPLM-PUHUJPHS6MÄJLY projects and community facilities in underserved and Scott Young provides strategic planning expertise and emerging markets. Prior to assuming this role, Mr. Winslett manages the treasury, capital markets, and accounting held a variety of positions at Wells Fargo in its commercial functions to further the CRF mission. Prior to joining the and real estate lending areas representing a span of 20+ CRF staff in 2005, Mr. Young served as Chief Financial years in banking. Mr. Winslett is actively involved in 6MÄJLYH[.,/VTL-PUHUJLHUH[PVUHSYL[HPSTVY[NHNL civic affairs, having served as a board member on several originator and subsidiary of General Electric Capital, OV\ZPUNHUKLJVUVTPJKL]LSVWTLU[YLSH[LKUVUWYVÄ[Z which he co-developed from a start-up business to a Currently, he serves on the board of directors for Wakeland WLYZVUÄYT0UHKKP[PVU4Y@V\UNOHZ`LHYZVM /V\ZPUNHUK+L]LSVWTLU[*VYWVYH[PVUHUVUWYVÄ[ experience in mortgage banking, loan servicing, and affordable housing developer, and Craft 3, a well-regarded HZZL[ZLJ\YP[PaH[PVUYLSH[LK[VH^PKLYHUNLVMÄUHUJPHS Community Development Financial Institution operating assets. He has held various executive positions in large WYPUJPWHSS`PU[OL7HJPÄJ5VY[O^LZ[9LJLU[S`4Y>PUZSL[[ T\S[PIPSSPVUKVSSHYÄUHUJPHSÄYTZPUJS\KPUN*-6 has been nominated as a board member of the Wells and Senior Vice President at Conseco in the mortgage Fargo Foundation, which has a donations budget of $300+ and servicing divisions. Earlier in his career, he served million annually. Mr. Winslett received his Bachelor of as CFO of GreenTree Financial Mortgage, Controller Arts degree in business and economics from the University of GreenTree Financial Inc., Managing Director and of California Los Angeles. Controller at GMAC Residential Funding Corporation, and Senior Manager at Deloitte & Touche. Mr. Young is a Ted Wysocki *LY[PÄLK7\ISPJ(JJV\U[HU[ *OPLM,_LJ\[P]L6MÄJLY<*(5+6 Ted Wysocki served 12 years as CEO of the Local Economic & Employment Development [LEED] Council, now North Branch Works, which integrates economic and employment development to connect industry and community in Chicago’s North River and Addison Industrial Corridors. During his previous 17-year tenure as CEO of the Chicago Association of Neighborhood Development Organizations (CANDO), Ted built CANDO into the largest city-wide economic development coalition in the U.S. focusing on neighborhood retail, industrial JVYYPKVYZZTHSSI\ZPULZZSLUKPUNHUKTPJYVÄUHUJL Ted began his 40-year community development career working over 11 years for Gale Cincotta, the “Mother of the Community Reinvestment Act.” He served on the Harris Bank Neighborhood Lending Review Board from 1984 until 2010, providing counsel on community development, affordable housing and small business lending. Ted served a three-year term on the Federal Reserve Board’s Consumer Advisory Council starting in 57 58 EXHIBITOR GUIDE 59 EXHIBITORS Community Capital Management, Inc. Community Capital Management, Inc. is the registered investment HK]PZVY[V[OL*9(8\HSPÄLK0U]LZ[TLU[-\UK*9(:OHYLZ;PJRLY! CRAIX). The Fund was launched in August 1999 and seeks to provide current income consistent with the preservation of capital [OYV\NOPU]LZ[TLU[ZPUOPNOJYLKP[X\HSP[`Ä_LKPUJVTLZLJ\YP[PLZ that support community development activities. The CRA Shares PZKLZPNULKZWLJPÄJHSS`MVYIHURZSVVRPUN[VYLJLP]LWVZP[P]L consideration on the investment test portion of their CRA Exam. *VU[HJ[0UMVYTH[PVU 2500 Weston Road, Suite 101 Weston, FL 33331 877-272-1977 ^^^JJTÄ_LKPUJVTLJVT www.crafund.com 60 EXHIBITORS Enterprise Community Investments Since 1982, Enterprise has created 300,000 homes, invested nearly $14 billion and touched millions of lives Enterprise works with partners nationwide to build opportunity. We create and advocate for affordable homes in thriving communities linked to jobs, good ZJOVVSZOLHS[OJHYLHUK[YHUZWVY[H[PVU>LSLUKM\UKZÄUHUJL development and manage and build affordable housing, while shaping new strategies, solutions and policy. Join us at www.EnterpriseCommunity.com or www.EnterpriseCommunity.org. 61 EXHIBITORS Housing Opportunities Collaborative (HOC) =PY[\HS*V\UZLSPUNPZH\UPX\LHUKPUUV]H[P]L[LJOUVSVN`PU[OL UVUWYVÄ[ZLJ[VY[OH[KLSP]LYZ[HPSVYLKZVS\[PVUZSPURPUNUVUWYVÄ[ service providers to service and response to client needs. Housing Opportunities Collaborative (HOC) has created a system called the Virtual Counselor Network© (VCN) to allow clients at partner agencies to connect via the internet to a Virtual Counselor (VC) at participating agencies who serve as subject experts. A VC is a counselor employed and located at a participating UVUWYVÄ[HNLUJ`^P[OH^VYRZ[H[PVUJVUULJ[LK[V[OL=*5[V provide real-time face-to-face audiovisual counseling services with the ability to share documents and computer screens in a secure communication environment. The technology is agnostic and can be synced with existing client management systems and portals. =*5PZ\ZLM\SMVYJYVZZYLMLYYHS^OLUJV\UZLSPUNYLX\LZ[ZI`JSPLU[Z are outside an agency’s scope of service. For example, a housing counseling agency may not have credit counseling services, so a housing client will be able to connect with a VC who is a credit counselor through VCN without having to travel to the other agency. The model allows for counseling services to be leveraged among the network of agencies, offering a virtual “one-stop” cadre of services. *VU[HJ[0UMVYTH[PVU Chi K. Elder, HOC Board of Directors member 740 Lomas Santa Fe Drive, Suite 208, Solana Beach, CA 92075 [email protected] 858.259.3363 Appaswamy “Vino” Pajanor, HOC President & Executive Director 1100 Broadway, San Diego, CA 92101 [email protected] 619.283.2200 Ext. 109 www.housingcollaborative.org 62 EXHIBITORS Operation HOPE The mission of Operation HOPE (HOPE) is making free enterprise work for everyone. We accomplish this through our work as the UVUWYVÄ[WYP]H[LIHURLYMVY[OL^VYRPUNWVVYHUK[OL\UKLYZLY]LK We achieve our mission by being the best-in-class provider of ÄUHUJPHSSP[LYHJ`LTWV^LYTLU[MVY`V\[OÄUHUJPHSJHWHIPSP[`MVY JVTT\UP[PLZHUKÄUHUJPHSKPNUP[`MVYHSS Banking on Our Future focuses on keeping at risk youth from repeating the cycles of poverty and despair that has trapped so many PU[OLPYJVTT\UP[PLZI`[LHJOPUN[OLTIHZPJÄUHUJPHSSP[LYHJ` HOPE Business In A Box / Gallup HOPE Index focuses on inspiring a generation of young people to become future American assets of economic energy, small business and entrepreneurship. HOPE Financial Dignity Centers give clients the resources to PTWYV]L[OLPYÄUHUJPHSZP[\H[PVUZ;OYV\NOV\Y *YLKP[:JVYLZ Initiative we commit to the resolution of primary credit denial factors and work to raise credit scores on average 120 points over 18 months of active counseling. HOPE Coalition America is a national partner of FEMA addressing ÄUHUJPHSKPZHZ[LYWYLWHYLKULZZYLZWVUZLHUKYLJV]LY`/*( responded to and served more than 200,000 Hurricane Katrina survivors and is currently responding to assist survivors of Hurricane Sandy. *VU[HJ[0UMVYTH[PVU >VYSK/LHKX\HY[LYZ 707 Wilshire Blvd, Suite 3030 Los Angeles CA 90017 510- 535-6700 www.operationhope.org 63 EXHIBITORS Partners for the Common Good / CapNexus CapNexus is a loan matching platform that connects community development lenders and investors who can provide capital and WHY[ULYZOPWVWWVY[\UP[PLZ[VOLSWVYNHUPaH[PVUZÄUHUJLKLHSZ and accomplish their community development goals. CapNexus provides a database of mission-aligned loans and lenders, helping those lenders and investors buy, sell, or participate in community KL]LSVWTLU[ÄUHUJPUN;OLWSH[MVYTPZJVTWYPZLKVMSVJHS and national CDFIs, big banks, regional banks, credit unions, foundations, and institutional investors such as pension funds and insurance companies with a community development mission. *VU[HJ[0UMVYTH[PVU Wes Melville Director of Strategy – CapNexus Partners for the Common Good 1444 Eye Street NW, Suite 201 Washington DC 20005 202-689-8935 ext 24 ph [email protected] www.capnexus.org 64 EXHIBITORS Pennant Management, Inc. Pennant Management, Inc. is a Milwaukee, Wisconsin based institutional investment manager registered with and regulated by the United States Securities & Exchange Commission. Pennant develops and maintains tactical investment portfolios for community banks, insurance companies, healthcare organizations, NV]LYUTLU[HS\UP[ZLTWSV`LLILULÄ[[Y\Z[ZHUKV[OLYVYNHUPaH[PVUZ Pennant most recently launched the Pennant 504 Fund, a Community Reinvestment Act (lending test) focused fund registered \UKLY[OL0U]LZ[TLU[*VTWHU`(J[VM ;OLM\UKPU]LZ[ZPUÄYZ[ lien loans issued pursuant to the SBA’s 504 program. 7LUUHU[LTWSV`ZHKPZJPWSPULK`L[ÅL_PISLNSVIHS[HJ[PJHSHZZL[ allocation approach to portfolio management. This research-driven process, predicated on fundamental and technical analysis, is implemented to achieve each client’s personal investment objectives YLNHYKPUN[V[HSYL[\YUYPZR[VSLYHUJLSPX\PKP[`[PTLOVYPaVUHUK[H_ considerations. Mark A. Elste, CFA, founded Pennant Management in 1992 as an employee-owned, entrepreneurial enterprise. In 2004, Pennant Management became a subsidiary of U.S. Fiduciary Services, Inc., also an employee-owned company. ;VNL[OLY^P[OP[ZHMÄSPH[LZ.YLH[)HUJ;Y\Z[*VTWHU`HUK:HSLT Trust Company, Pennant Management supervises more than $20 billion in client assets. *VU[HJ[0UMVYTH[PVU 4HYR(,SZ[L*-(*OPLM,_LJ\[P]L6MÄJLY www.pennantmanagement.com 65 EXHIBITORS ProLiteracy ProLiteracy believes every adult has the right to literacy. ProLiteracy, the largest adult literacy and basic education membership organization in the nation, is committed to creating a world in which all adults are literate. It works with adult new readers and learners and with local and national organizations to help adults gain the reading, writing, math, computer, and English skills they need to be successful. ProLiteracy advocates on behalf of adult learners and the programs that serve them, provides training and professional development, and publishes materials used in adult literacy and basic education instruction. ProLiteracy has 1,000 member programs in all 50 states and the District of Columbia and works with 52 nongovernmental organizations in 34 developing countries. Its publishing division, New Readers Press (NRP), has for more than 40 years provided educators with the instructional tools they need to teach adult students and older teens literacy skills for functioning in the world today. New Readers Press solicits feedback from educators during the development process. Materials are available in a variety of TLKPHPUJS\KPUN[OLÅHNZOPWW\ISPJH[PVU[OL^LLRS`UL^ZZV\YJL News for You, which delivers articles online with audio. Proceeds from sales of NRP materials support literacy programs in the U.S. and worldwide. *VU[HJ[0UMVYTH[PVU 104 Marcellus Street Syracuse, New York, 13204 315-422-9121 [email protected] http://www.proliteracy.org 66 EXHIBITORS QuestSoft Corporation 8\LZ[:VM[PZHSLHKPUNWYV]PKLYVMJVTWYLOLUZP]LJVTWSPHUJL software and services to more than 1,800 banks, credit unions and TVY[NHNLJVTWHUPLZ8\LZ[:VM[»ZH\[VTH[LKJVTWSPHUJLZVS\[PVUZ simplify the collection, analysis, compilation and reporting of key regulatory data for all federal, state and local lending laws, as well HZ[OL8\HSPÄLK4VY[NHNL84HUK(IPSP[`[V9LWH`(;99\SLZ HMDA, mortgage call reports, CRA, Fair Lending, and LEF data for multi-state exams. *VU[HJ[0UMVYTH[PVU 23441 South Pointe Drive -- Suite 270 Laguna Hills, CA 92653 ZHSLZ'X\LZ[ZVM[JVT 800-575-4632 O[[W!^^^8\LZ[:VM[JVT 67 EXHIBITORS RBC Global Asset Management RBC Global Asset Management (RBC GAM) offers a comprehensive range of solutions to investors. Our capabilities include specialized L_WLY[PZLPUPTWHJ[PU]LZ[PUNJHWHJP[`JVUZ[YHPULKLX\P[PLZHUK NSVIHSHUKLTLYNPUNTHYRL[Ä_LKPUJVTL9)*.(4VWLYH[LZHZ HNSVIHSÄYTHUKSL]LYHNLZ[OL[HSLU[HUKPU]LZ[TLU[JHWHIPSP[PLZ across the organization to create relevant solutions for clients. *VU[HJ[0UMVYTH[PVU Ronald A. Homer 617.236.7314 [email protected] www.rbcgam.us 68 EXHIBITORS Rebuilding Together Rebuilding Together is a Safe and Healthy Housing organization that believes Community Starts at Home. Our focus provides critical YLWHPYZHJJLZZPIPSP[`TVKPÄJH[PVUZHUKLULYN`LMÄJPLU[\WNYHKLZ to low-income homes and community centers at no cost to service recipients. Our impact extends beyond the individuals served to revitalize and stabilize vulnerable neighborhoods and communities across the JV\U[Y`6\Y SVJHSHMÄSPH[LZJVTWSL[LTVYL[OHUYLI\PSK projects a year thanks to the efforts of 100,000 volunteers from corporate partners, skilled trades professionals and everyday good citizens. Join us- visit www.RebuildingTogether.org *VU[HJ[PUMVYTH[PVU 9LI\PSKPUN;VNL[OLY5H[PVUHS/LHKX\HY[LYZ 1899 L Street NW, Suite 1000 Washington, DC 20036 800-473-4229 www.rebuildingtogether.org 69 EXHIBITORS Robert Wood Johnson Foundation Commission to Build a Healthier America The Robert Wood Johnson Foundation (RWJF) Commission to Build a Healthier America is a national, independent group of leaders created in 2008. In 2009, Commissioners issued recommendations for improving the health of all America beyond health care, focused largely in two areas: making communities healthier and improving health for children. The Foundation reconvened the Commission in 2013 and charged it with exploring ways to build on progress. In January 2014, Commissioners recommended strategies for improving America’s health to fundamentally change how we revitalize neighborhoods, fully integrating health into community development. More information about the recommendations can be found at www.rwjf.org/commission. Additionally, RWJF has supported several “Healthy Communities” conferences hosted by Federal Reserve Banks to deepen JVSSHIVYH[PVUHJYVZZ[OLJVTT\UP[`KL]LSVWTLU[ÄUHUJL population health and public health sectors. The Foundation is also funding the National Partnership for Community Development and Health to serve as a resource for the health and community development sectors, their partners and funders to help spur collaborative, cross-sector approaches to building healthy communities. *VU[HJ[0UMVYTH[PVU Sara Knoll Vice President, Burness Communications [email protected] 301-280-5709 www.rwjf.org/commission 70 EXHIBITORS 6%$,OOLQRLV'LVWULFW2IÀFH The U.S. Small Business Administration (SBA) was created in 1953 as an independent agency of the federal government to aid, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. We recognize that small business is critical to our economic recovery and strength, to building America’s future, and to helping the United States compete in today’s global marketplace. Although SBA has grown and evolved in the years since it was established in 1953, the bottom line mission remains the same. The SBA helps Americans start, build and grow businesses. Through HUL_[LUZP]LUL[^VYRVMÄLSKVMÄJLZHUKWHY[ULYZOPWZ^P[OW\ISPJ and private organizations, SBA delivers its services to people throughout the United States, Puerto Rico, the U. S. Virgin Islands and Guam. We provided services to Small Business in the 3 prime area, Contracting, Credit (Access to Capital) and Counseling and Training. *VU[HJ[0UMVYTH[PVU 500 W. Madison, Suite 1150 Chicago, Il 60661-2511 www.sba.gov www.sba.gov/il 71 EXHIBITORS Wolters Kluwer Financial Services Wolters Kluwer Financial Services is a global provider of risk and YLN\SH[VY`JVTWSPHUJLZVS\[PVUZ;OYV\NOV\Y\UPX\LISLUKVM consulting, regulatory intelligence and technology, we help customers THUHNLVWLYH[PVUHSJVTWSPHUJLHUKÄUHUJPHSYPZRHZ^LSSHZ JVTWSL_YLN\SH[VY`YLWVY[PUNYLX\PYLTLU[Z·LTWV^LYPUNPU[LSSPNLU[ and clear sighted decision-making in a turbulent environment. Our compliance solutions helps thousands of organizations, large and small, remain compliant, while reducing the cost and impractical task administration associated with operational compliance processes. Some of our compliance solutions include: *9(>PaHWWSPLZH\[VTH[PVU[V[OL*9(HUK/4+(YLWVY[PUN process. It speeds up data preparation for regulatory exams, cleans and corrects data, maps assessment areas, and reports on the results. /4+(>PaH\[VTH[LZJVSSLJ[PVU]LYPÄJH[PVUHUKJLY[PÄJH[PVUVM HMDA data without increasing loan processing time or the need to retrain staff. -HPY3LUKPUN>PaH\[VTH[LZHUHS`ZPZ[OH[HSSV^ZJ\Z[VTLYZ[V easily identify potential risk and immediately take corrective action to remedy unfair lending practices. >Pa:LU[PULSHUHS`aLZSVHUZ[VKL[LYTPULWV[LU[PHS]PVSH[PVUZVM prohibited lending practices. It helps customers manage portfolios MVYWYLKH[VY`SLUKPUNHUKYH[PUNZHNLUJPLZÅHNSVHUZMVYWYVÄ[HUK protection, and validate loan policies, fees and APR calculation. *VU[HJ[0UMVYTH[PVU Sara Hill Manager of Government Accounts 130 Turner St Building 3, 4th Floor Waltham, MA 02453 781-663-5409 [email protected] www.wolterskluwerfs.com For general information, call 800.261.3111or visit wolterskluwerfs.com 72 Sponsored by Federal Deposit Insurance Corporation Federal Reserve Bank of Chicago Federal Reserve Bank of San Francisco 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` *VTT\UP[`+L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVUZ-\UK