Matricula Cards, New Market Opportunities and Changing Immigration Law MCIC’s Community Development, Government and Banking Forum February 10, 2004 Federal Reserve Bank of Chicago 230 South LaSalle Street Chicago, Illinois Co-Sponsored by The Federal Reserve Bank of Chicago and MCIC wish to thank today’s guest speakers for sharing their time, expertise and perspectives. This event would not be possible without the kind assistance from many talented people at the Federal Reserve Bank of Chicago, Consumer and Community Affairs Division. MCIC is extremely grateful for their continued generosity. Matricula Cards, New Market Opportunities and Changing Immigration Law MCIC’s Community Development, Government and Banking Forum Tuesday, February 10, 2004 Breakfast and Networking 8:00 to 8:30 AM Introduction and Welcome 8:30 to 8:45 AM Harry Pestine, Community Affairs Program Director Federal Reserve Bank of Chicago Presentations 8:45 to 9:15 AM Michael Berry, Manager of the Emerging Consumer and Compliance Issues Unit Federal Reserve Bank of Chicago Mari Gallagher, Senior Researcher and Consultant MCIC Panel Discussion 9:15 to 10:45 AM Panelists include: ? Michael Frias ? Fred Tsao Federal Deposit Insurance Corporation IL Coalition for Immigrants & Refugee Rights ? Patricia Kirk ? Marva Williams Internal Revenue Service Woodstock Institute ? Erika Pardo Rodríguez ? Victor Alvarez Mexican Consulate of Chicago Latinos United ? Mark Doyle ? Alheli Herrera Second Federal Savings Bank Undocumented college student ? John Thomason Freddie Mac Question and Answer Session 10:45 to 11:30 AM Closing 11:30 AM Alicia Williams, Vice President and Community Affairs Officer Federal Reserve Bank of Chicago SPEAKER BIOS Victor Alvarez, Housing Program Manager Latinos United Victor Alvarez is the Housing Program Manager at Latinos United. Mr. Alvarez implements and oversees the organization’s fair housing program where he conducts educational workshops and training on housing discrimination. Mr. Alvarez has been trained by the National Fair Housing Alliance (NFHA), qualifying him as a tester coordinator for rental, sales, mortgage lending and insurance testing. He also oversees Latino United’s statewide housing advocacy efforts, and serves on the Boards of Instituto del Progreso Latino (Institute of Latino Progress) and the Metropolitan Tenants Organization. Previous to joining Latinos United, Mr. Alvarez managed other significantly complex projects in the Latino community. He served as Business Development Manager and the Workforce Development Director for The Resurrection Project (TRP). His business development work involved managing a small business incubator, a loan fund and conducting workshops and one- on-one technical assistance for minority – mostly Hispanic immigrant – entrepreneurs in the construction trades. He also launched TRP’s workforce development initiative, providing underemployed and unemployed Mexican immigrants with employment services. Mr. Alvarez also served as the Midwest Economic Development Specialist for the National Council of La Raza, a non-profit organization established in 1968 to reduce poverty and discrimination and improve life opportunities for Hispanics in the United States. Mr. Alvarez earned a Bachelor of Arts in Political Science and Latin American Studies and a Master of Urban Planning and Policy degree from the University of Illinois at Chicago. Michael Berry, Manager of the Emerging Consumer and Compliance Issues Unit Federal Reserve Bank of Chicago Michael Berry joined the Federal Reserve Bank of Chicago’s Consumer and Community Affairs Division in December 1995 as a researcher and program manager. He now manages the Division’s Emerging Issues Unit, and serves as managing editor of the Division’s publication Profitwise News and Views . From 1988 to 1995, Mr. Berry worked for The RESCORP Companies, a real estate development and consulting organization specializing in community revitalization, heading its market research group. From 1983 to 1987, Mr. Berry served various roles in trust and investment banking with an American Express real estate investment subsidiary and earlier with a large New Jersey bank. Mr. Berry is a director and co-founder of the Regional Redevelopment Corporation, a nonprofit housing rehabilitation and community development organization formed in 1992. Mr. Berry holds a BA degree in Political Science from Susquehanna University in Selinsgrove, Pennsylvania and an MBA degree from DePaul University. Mark Doyle, CEO and Chairman Second Federal Savings Bank Mark Doyle is President and CEO of Second Federal Savings, a community bank in Chicago, which worked in partnership with the Mexican Consulate office and the regulatory community. In 2001, Second Federal developed the Amigo account for anyone with a taxpayer ID number and the Matricula card. For this particular program, account holders keep one automated teller machine (ATM) card and send another to their family in Mexico who use it to withdraw money at a fraction of the cost of a wire transfer or money order. Mr. Doyle is experienced in every aspect of operations. He has over 27 years experience serving the Latino community and is well known in Little Village for his civic contributions and his pioneering banking initiatives. He has served on many boards, such as the Boys and Girls Club, the Immigration and Naturalization Service Outreach Program, and the Savings and Community Bankers of America. Michael Frias, Community Affairs Officer Federal Deposit Insurance Corporation Michael Frias is the Community Affairs Officer with the FDIC’s Division of Compliance and Consumer Affairs in the Chicago Region. His responsibilities include directing and managing the program’s outreach efforts within the region, as well as providing training and education to consumer and community groups and financial institutions to foster understanding of the agency’s commitment to compliance with CRA and fair lending laws. Prior to that, Mr. Frias was the Fair Lending Specialist with the FDIC in the Kansas City Region, where he specialized in CRA and fair lending. From 1992 to 1996, Mr. Frias was a compliance examiner in San Francisco, California and was responsible for conducting examinations, investigations and other activities related to consumer protection, civil rights and related enforcement responsibilities. Mr. Frias holds a BS in Accounting from the University of San Francisco. Mari Gallagher, Senior Researcher and Consultant Metro Chicago Information Center Mari Gallagher is Senior Consultant with MCIC. She is responsible for the development and management of a diverse research and consulting portfolio in MCIC’s Community Development, Government and Banking (CDGB) sector. CDGB provides information, research and consulting services to for-profit and non-profit lenders, CDFIs, government agencies, CDCs, regional planning departments as well as non-profit and for-profit commercial, industrial and residential developers. Projects include community needs assessment, program evaluation, customer profiling and modeling, market studies, impact analysis, project feasibility, website development, GIS analysis, strategic planning, facilitation and community building forums. Ms. Gallagher has a Master of Arts in Urban Planning and Policy and a Bachelor of Arts in Political Science. Prior to joining MCIC, Ms. Gallagher directed the Emerging Neighborhood Markets Initiative, a two-year Chicago pilot project spearheaded by Social Compact, a national coalition of industry leaders committed to developing new data sources and investment measures for traditionally undervalued markets. Ms. Gallagher was also the executive director of a community development corporation that serves five distinct business districts and one of the most economically, racially and culturally diverse residential populations in the City of Chicago. She is also the former president of a minority-owned technology company. Ms. Gallagher is president of Women in Planning and Development. Alheli Herrera, undocumented college student Alheli Herrera came into this country when she was nine years old with her parents and younger brother. Her two younger brothers were born here in the United States. She is a student at a community college and will soon finish her Associates Degree in Liberal Arts. She grew up in the United States and considers it home. Although she has lived here for 11 years now, she is undocumented. However, that has not been a factor for her grades, conduct or participation in her community. She currently holds a 4.0 GPA in college. Ms. Herrera has been a leader with the Southwest Organizing Project (SWOP) for a year and has also worked with the Illinois Coalition for Immigrant and Refugee Rights. Although she is not eligible for grants, scholarships or loans due to her immigration status, she is determined to find a way to finish her education and also stay active in her community so that she can help herself and also help others like her. She wants to become a teacher. Patricia Kirk, Illinois Territory Manager Internal Revenue Service Patricia Kirk is the Stakeholder Partners, Education and Communication Illinois Territory Manager for the Internal Revenue Service. Her office is part of the Wage and Investment Division. Ms. Kirk has served in this position since June 2001. From October 2000 to May 2001 she was the Compliance Territory Manager in the Small Business/Self Employed Division in Indianapolis, Indiana. Prior to the IRS re-organization, Ms. Kirk was Chief, Collection Division in Indiana. She has served in various management roles including Chief, Special Procedures Branch and Chief, Field Branch in Sacramento and Detroit Districts. She began her IRS career in the Denver District where she served as a revenue officer and group manager. Ms. Kirk holds a Bachelor’s degree in Psychology and Business from Central Missouri State University. She has a Master’s degree in Counseling Psychology from the University of Northern Colorado. Erika Pardo Rodríguez, Education Affairs Coordinator Mexican Consulate of Chicago Erika Pardo Rodríguez is the Education Affairs Coordinator for the Mexican Consulate of Chicago. The Mexican Consulate has worked closely with the New Alliance Task Force, bank representatives, regulators and community groups to advance opportunities for Mexican immigrants. These partnerships have received acclaim in Chicago, across the U.S., and even in Mexico, where President Vincent Fox recently recognized the importance of U.S. bank branches that accept Matricula cards in a national radio address. Because of the great success of the Matricula program, other consulates are now exploring how their nationals might benefit from a similar identification process. Ms. Pardo is a native of Morelia, Michoacan, Mexico. She has a BA from the National University of Mexico in International Relations, and an MA in Public Administrations from Barcelona University. Prior to accepting a position in Chicago, she held a post at the Foreign Affairs Ministry in Mexico City from 1996-2002. Harry Pestine, Community Affairs Program Director Federal Reserve Bank of Chicago Harry Pestine is the Community Affairs Program Director for the State of Illinois. He is also the Economic Development Editor of the Federal Reserve Bank of Chicago’s newsletter Profitwise News & Views . He is the Economic Development Specialist at the Federal Reserve Bank of Chicago as well as a subject matter expert on various banking regulations. Mr. Pestine works closely with financial institutions and community organizations to help them meet the financial needs of their communities. He is often called upon to address various questions on public welfare investments, community and economic development issues, community development financial institutions, New Markets Tax Credits and pushing the envelope. Prior to joining the Federal Reserve Bank, Mr. Pestine was involved with community and economic development for well over a decade. He was with the Governor’s office of economic development in Illinois for twelve years. Mr. Pestine has coordinated financial and technical assistance programs for small businesses throughout the State of Illinois. He has managed or co-managed small and major retention, expansion, re-industrialization and re-commercialization projects. Mr. Pestine has been an instructor at the Neighborhood Reinvestment Institute and the National Small Stores Institute. He was also an alternate-voting member on the Board of the Illinois Development Finance Authority. John Thomason, Community Development Lending Manager Freddie Mac John Thomason is the Manager of Community Development Lending for the North Central Region of Freddie Mac. He is responsible for Freddie Mac’s community development lending efforts in Wisconsin, Illinois, Minnesota, Iowa as well as South and North Dakota. In this capacity, Mr. Thomason works closely with banks, nonprofits, state and local governments, foundations, and others to increase homeownership opportunities for underserved families and communities. Prior to joining Freddie Mac, Mr. Thomason served as a senior underwriter and program manager at the Illinois Housing Development Authority where he underwrote commercial property transactions, including housing for families, seniors, supportive housing for the homeless and assisted living facilities. In this position, he also managed IHDA’s single-family homebuyer assistance program. Mr. Thomason began his career in affordable housing at the Chicago Housing Authority in the Construction Management Division. He went on to work as a corporate banker at the First National Bank of Chicago, underwriting warehouse loans and lines of credit to mortgage banks. Mr. Thomason serves on numerous boards, advisory boards, and committees in the City of Chicago, Illinois, Wisconsin and Minnesota that deal with a broad range of issues, including predatory lending, homebuyer education and credit counseling, financial literacy and job development. He holds an undergraduate degree in history from the University of California, Santa Cruz and a Master’s degree in Public Policy from the University of Chicago. Fred Tsao, Immigration Policy Director Illinois Coalition for Immigrants and Refugee Rights Fred Tsao is the Policy Director at the Illinois Coalition for Immigrant and Refugee Rights. In this position he provides technical support, training and presentations on immigration-related topics to service providers, immigrant community organizations and others who work with immigrants. He also provides updates and analysis of changes in immigration policies and procedures to ICIRR members and allies and assists with the coalition's legislative advocacy efforts. A “recovering attorney,” Mr. Tsao practiced law at the Rockford office of Prairie State Legal Services, where he worked after receiving his law degree from the University of Michigan. He has also worked with the American Civil Liberties Union of Illinois, the Chicago Anti-Hunger Federation and the Missouri Public Interest Research Group. A native of Chicago, Mr. Tsao is the son of immigrants from China, and has had a lifelong concern with immigration issues. Alicia Williams, Vice President and Community Affairs Officer Federal Reserve Bank of Chicago Alicia Williams is Vice President in charge of the Consumer and Community Affairs Division of the Federal Reserve Bank of Chicago. She is also the Bank’s Community Affairs Officer. She has oversight responsibility for the Bank’s community affairs program, emerging consumer issues, and consumer and community development research. She has many years of experience in the bank regulatory and examination field. During her tenure at the Fed, she has led many bank examinations and bank holding company inspections. She also served as the officer in charge of the compliance examination division for 12 years. She holds a BB in finance from Western Illinois University and is a 1997 graduate of Northwestern University’s Executive Master of Business Administration Program. Marva Williams, Senior Vice President Woodstock Institute Marva Williams is Senior Vice President of the Woodstock Institute. Her program areas include community development finance institutions (CDFI), micro-enterprise development and community reinvestment coalition-building. Ms. Williams has recently completed an analysis of asset building programs, payday lending, CDFI investment programs and the development of bank accounts and financial literacy training for lower-income unbanked consumers. Ms. Williams is also the coordinator of the Chicago CRA Coalition. Ms. Williams has extensive experience in community economic development practice and research. She established an industrial retention and attraction and financing program in a small town in northeast Ohio. Subsequently, Ms. Williams spent eight years with a community development corporation in Pittsburgh where served as manager of business development. She also directed the organization’s for-profit real estate development company, overseeing the development of commercial and affordable housing projects. Ms. Williams is involved in several community development efforts in Chicago. She is an adjunct lecturer at University of Illinois at Chicago (UIC) College of Urban Planning and Policy Analysis and teaches in the Urban Developer’s Program, a professional training program. Ms. Williams is also a board director of the Center for Labor and Community Research and Deborah’s Place and volunteers with the North Side Community Federal Credit Union. Ms. Williams holds a Master of Urban and Regional Planning from the University of Pittsburgh and a Ph.D. in urban planning and public policy from Rutgers University’s Bloustein School of Planning and Public Policy. MCIC (Metro Chicago Information Center) is a Chicago based, not-for-profit research and consulting organization committed to increasing the quality, quantity and accessibility of information to inform program and policy decisions made by those concerned with quality of life and public policy issues. While MCIC does not advocate specific public policies or policy choices, it provides the data necessary to support public policy and social program development. More information on MCIC can be found at http://www.mcic.org.
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