Leadership

Alanna McCargo is president and CEO of FHLBank San Francisco. With more than 25 years of housing policy and financial services experience in the banking and secondary mortgage market, she most recently served as president of the Government National Mortgage Association (Ginnie Mae), a wholly owned government corporation with an over $2.5 trillion guarantee portfolio responsible for advancing affordable homeownership and rental housing and attracting global investment into the U.S. housing market. In 2021, she made history as the first woman and woman of color to be appointed by the President of the United States to serve in this role and was confirmed by the U.S. Senate with bipartisan support. Previously, Ms. McCargo served as senior advisor for housing finance in the U.S. Department of Housing and Urban Development (HUD) where she worked with key stakeholders to stabilize the housing market during the global pandemic, deploy housing relief programs, strengthen fair housing and fair lending, and improve housing affordability and access to financing. From 2016-2021, she was vice president of the Housing Finance Policy Center at the Urban Institute, an economic policy research firm, where she led and developed evidence-based research and analysis on the U.S housing finance system. Prior to that she held leadership roles with CoreLogic and JP Morgan Chase and spent over a decade at Fannie Mae. Ms. McCargo has served on nonprofit boards focused on advancing affordable housing, tackling homelessness, and advancing opportunities for people and communities. She has dedicated her career and her public and community service to ensuring access to affordable housing finance and improving housing outcomes for individuals and households across the nation, with particular focus on a more equitable, sustainable, and accessible housing finance system. 

Joseph E. Amato is currently serving as executive vice president and chief financial officer. He has held the position of executive vice president and chief financial officer since May 13, 2021. Mr. Amato joined the Bank as executive vice president and senior financial officer on October 9, 2020, and served as the Bank’s interim chief financial officer from January 4, 2021, until his appointment as the Bank’s chief financial officer. Prior to joining the Bank, Mr. Amato was chief financial officer at the Federal Home Loan Bank of Des Moines from May 2016 to June 2019. Prior to that, Mr. Amato served in various capacities at Freddie Mac from 2001 until 2016, most recently serving as senior vice president and CFO, investments and financial planning. Mr. Amato received a B.S. from the University of Maryland and an M.B.A. from the George Washington University.

Arlene Coyle is currently serving as executive vice president and chief audit executive. She has held the position of chief audit executive since May 2019. Ms. Coyle joined the Bank in February 2016 as assistant vice president, internal audit, and was promoted to vice president in February 2017. Ms. Coyle has over 25 years of internal audit and regulatory experience in the financial services industry. Before joining the Bank, she worked at TIAA in their Internal Audit function. Prior to TIAA, she worked as a bank examiner for the Federal Reserve System, supporting community and regional banks. She has a Certification in Risk Management Assurance and is a Certified Internal Auditor, a Certified Financial Services Auditor, and a Certified Diversity Professional. She received a B.S. in accounting and an M.B.A. from LaSalle University. 

Kwame Fields is currently serving as senior vice president, chief information security officer, and chief diversity officer. Mr. Fields has held the positions of chief information security officer since December 2017 and chief diversity officer since July 2021. Previously, he was acting chief diversity officer from July 2020 to July 2021. Mr. Fields has over 25 years of information security and risk management experience across multiple industries. Prior to joining the Bank, he was a vice president at E*TRADE, where he had worked since 2014. He led the technology and security oversight and governance organization and was a principal in the creation of their diversity and inclusion council. Prior to that, Mr. Fields held a number of other management roles and oversight positions with responsibility for managing a wide range of information security, business continuity, information technology risk management, and diversity initiatives. Mr. Fields earned his B.S.E. from the University of Michigan, an M.B.A. in technology management from the University of Phoenix, and is a Certified Information System Security Professional and Certified Diversity Professional.

Kelly Gear is currently serving as senior vice president, chief strategy officer. She has held the position of chief strategy officer since January 2022. Ms. Gear joined the Bank in August 2011 as vice president of IT planning and program services. Ms. Gear has over 25 years of management consulting and organizational leadership experience across highly regulated industries, including financial services, pharmaceuticals, and aerospace and defense. Prior to joining the Bank, Ms. Gear served on several executive committees overseeing large-scale global business transformations and strategic initiatives for PricewaterhouseCoopers and Johns Manville, a Berkshire Hathaway company. She earned a B.A. in marketing management from the University of St. Thomas and is a Certified Lean Six Sigma Black Belt and a Certified Diversity Professional.

Anne Segrest McCulloch is currently serving as executive vice president, chief legal officer, and corporate secretary. She has held the positions of chief legal officer and corporate secretary since November 2021. She provides legal counsel to the Bank’s management and board of directors on legal and regulatory matters affecting the development and execution of the Bank’s business strategies, policies, and practices. She also directs and manages the Bank’s legal staff, outside counsel, and public affairs team. Ms. McCulloch is a seasoned financial services and housing industry executive and regulatory attorney. Prior to joining the Bank, Ms. McCulloch was president and chief executive office of Housing Partnership Equity Trust from April 2017 through November 17, 2021. Previously, she held several senior positions in the housing sector, including senior vice president, credit and housing access, for Fannie Mae through March 2017. Ms. McCulloch holds a BA in American studies and a JD from Tulane University.

Mani Massoomi is currently serving as executive vice president and chief risk officer. He has held the position of chief risk officer since November 2022. He oversees the Bank’s risk management, compliance, model risk, market risk, member and counterparty credit, and related governance frameworks. Previously, Mr. Massoomi served as senior vice president, enterprise risk officer from August 2019 to October 2022. He has over 20 years of experience in risk management, internal audit, banking, capital markets, and technology. Before joining the Bank, Mr. Massoomi was the head of operational and enterprise risk at SoFi in San Francisco. Prior to his tenure at SoFi, he was the audit executive for the domestic and international asset management and enterprise risk management functions at TIAA. His experience also includes positions at Royal Bank of Canada Capital Markets, Millennium Management Hedge Fund, General Motors, and Morgan Stanley. He is a Certified Fraud Examiner, Certified Financial Services Auditor, and Certified Investment and Derivatives Auditor, and holds a Certification in Risk Management Assurance. He received his B.S. from Tufts University and has completed post-graduate work at the Wharton School and Cornell University. 

Maxine Moir is currently serving as executive vice president and chief human resources officer and head of internal communications. She has held the position of chief human resources officer since February 2020, and head of internal communications since November 2022. Previously, Ms. Moir was senior vice president and director of human resources from July 2017 to February 2020. Prior to joining the Bank, Ms. Moir served as director, global human resources business partner, at BlackRock, where she provided human resources support for the iShares business. Her experience also includes 17 years of progressively more complex human resources executive responsibilities at Bank of America, where she led regional and national teams. Ms. Moir holds a Senior Certified Professional credential from the Society of Human Resources Management and served on the board of the Northern California Chapter of the National Kidney Foundation for over 10 years. Ms. Moir earned a B.A. in psychology from Chico State University.

Greg Ward is currently serving as executive vice president and chief operating officer. He has held the position of chief operating officer since November 2022. He is responsible for the Bank’s operations, information technology, information security, procurement, corporate services, and community investment departments. Mr. Ward joined the Bank in 2013 as vice president, internal audit, and was promoted to deputy director in June 2016 and to director in January 2017, and has held various positions with increasing responsibilities during his tenure, most recently as chief risk officer from May 2019 to October 2022. Before joining the Bank, he worked with Ernst & Young LLP for 12 years in its Financial Services Advisory Practice. Prior to his tenure at Ernst & Young, Mr. Ward worked in the captive insurance industry in Bermuda and for Price Waterhouse in the United Kingdom in its external audit practice. He is a Chartered Accountant, Certified Internal Auditor, Certified Anti-Money Laundering Specialist, and Project Management Professional. Mr. Ward received his B.S. from Brunel University London.

Tony Wong is executive vice president and chief banking officer at the FHLBank San Francisco, responsible for providing strategic direction and oversight for sales, marketing and communications, acquired member assets, and member financial services. Mr. Wong joined the Bank in 1995 and has held various positions with increasing responsibilities during his tenure, most recently as senior vice president, member financial services and chief marketing officer. Prior to joining the Bank, he was part of the capital markets team at Barclays Global Investors (formerly Wells Fargo Nikko Investment Advisors). Mr. Wong began his career as a registered investment advisor with the retail brokerage division of Lehman Brothers. He received a B.A. in economics from the University of California at Berkeley and is a Certified Mortgage Banker, Accredited Mortgage Professional, and a Certified Diversity Professional.