Jan Bontrager
Regional Manager: Arizona, Nevada, and Utah
Telephone: (415) 974-3370
Fax: (520) 219-9996

Jan works with bankers and community leaders to make community reinvestment happen by providing targeted education and training and by convening key partners focusing on accomplishing shared community development goals. Current projects include collaborating to organize Foreclosure Prevention Summits in the District and supporting a Neighborhood Revitalization Initiative of the Nevada Bankers Collaborative in conjunction with the City of North Las Vegas.

Prior to joining the FRBSF, Jan had 20 years of lending experience in the retail banking environment, having served as vice president in commercial and mortgage lending with banks in Missouri and Washington. Most recently, she served as a lender with Rural Community Assistance Corporation, a CDFI and technical assistance provider. Jan earned her BS in English education from the University of Missouri.

Melody Winter Nava
Regional Manager: Southern California
Phone: (213) 683-2932
Fax: (213) 683-2871

As the regional manager of Southern California, Melody convenes banker roundtables that bring together experts on community development issues such as foreclosure prevention, banking the unbanked, community land trusts, barriers to affordable housing development, employer-assisted housing, supportive housing, workforce investment, microfinancing, and childcare services in low income neighborhoods. Melody is also focused on supporting several asset development and affordable housing development initiatives in Los Angeles County.

Ms. Nava has more than 25 years of experience in residential lending and community development finance, wealth management, and employment services. She currently serves on the Clearinghouse CDFI, Orange County Community Housing Corporation advisory committee and the City of Los Angeles Community Development Department loan committee. Melody is a graduate of Pepperdine University’s School of Business and Management.

Craig Nolte
Regional Manager: Alaska, Idaho, Hawaii, Oregon & Washington
Phone: (206) 343-3761
Fax: (206) 343-3632

As the Regional Manager for Alaska, Idaho, Hawaii, Oregon, and Washington, Craig leads, develops trainings, and consults stakeholders on a wide variety of community development issues. Craig’s primary initiatives include affordable housing, asset development, economic development and Native American lending issues.

Craig holds examination credentials from the Office of Thrift Supervision and the Federal Reserve. Prior to joining the Federal Reserve, Craig reviewed merger and acquisitions, conducted financial analysis, and served as a Compliance Examiner with the Office of Thrift Supervision. Craig holds an M.B.A. from City University, and a B.A. degree in Finance from Seattle Pacific University. Craig is based in Seattle, Washington.

Lena Robinson
Regional Manager: Northern California
Phone: (415) 974-2717
Fax: (415) 393-1920

Lena is the regional manager for northern California from Fresno County to the Oregon border. In this capacity she works to increase access to capital, credit and banking services for low-income communities and residents in compliance with the Community Reinvestment Act. This objective is achieved in part by providing technical assistance and training on successful initiatives and programs, convening key stakeholders to identify community development needs, and facilitating partnerships between financial institutions and community-based organizations. Her current projects include Bank on San Francisco and foreclosure prevention forums.

Prior to joining the Fed, Lena worked as the housing coordinator for international students at UC Davis Extension. She holds an M.A. in international affairs with an emphasis in rural African development from Ohio University, and a B.A. in Japanese from the Monterey Institute of International Studies.

Carolina K. Reid, PhD
Manager, Research Group
Phone: (415) 974-2161
Fax: (415) 393-1920

Carolina joined the Community Development Department as a researcher in March of 2005. Her current projects include the system-wide Concentrated Poverty Initiative, an analysis of mortgage lending in Native Communities, and a study that attempts to quantify the benefits of affordable housing for household financial well-being. Carolina earned her PhD in Human Geography in 2004 from the University of Washington, Seattle, where she focused her research on the impacts of homeownership among low-income and minority households. Other work experience includes policy research and program evaluation at the Environmental Health and Social Policy Center in Seattle, where she worked on issues of public housing and welfare reform, and at World Resources Institute, where she focused on issues of urban environmental health and environmental justice.

Naomi Cytron
Research Associate
Telephone: (415) 974-3326
Fax: (415) 393-1920

Naomi joined the Community Development Department in 2005. As a Research Associate, she explores and reports on a variety of issues that impact low- and moderate-income communities in the 12th District, including affordable housing, small business development, asset preservation and concentrated poverty. She also has primary responsibility for coordinating and editing Community Investments. Naomi earned a BA in Biology from Macalester College in Saint Paul, Minnesota, and a Masters in Regional Planning, with a concentration in Community and Economic Development, from the University of North Carolina at Chapel Hill.

Vivian Pacheco
Research Associate
Phone: (415) 974-2315
Fax: (415) 393-1920

Vivian joined the Community Development Department in October of 2006. As a research associate, she supports community development research and projects, such as the Bank on San Francisco Initiative and the system-wide Concentrated Poverty Initiative. She also has primary responsibility over online resources. Vivian is a Public Policy and International Affairs Fellow, Greenlining Institute Academy Alumna, and earned her BA in Sociology from Pomona College.

Joy Hoffmann
Group Vice President, Public Information and Community Development
Phone: (415) 974-2228
Fax: (415) 393-1920

As Group Vice President for Community Development and Public Information for the Federal Reserve Bank of San Francisco (FRBSF), Ms. Hoffmann oversees community development, economic and financial education, the Bank’s public website, media relations, community, public, and economic outreach programs throughout the nine western states that comprise the Twelfth District.

Under Ms. Hoffmann’s direction since 1995, the Community Development unit has earned a national reputation within the Federal Reserve System and community development field for innovative programs. She fostered the unit’s creation of the Center for Community Development Investments, which serves as a national clearinghouse of Community Reinvestment Act (CRA) investment opportunities across the country and promotes research and dialogue in the field. The FRBSF also sponsors a biennial National Community Reinvestment Conference that last year drew more than 500 bankers and community development professionals.