Rafael O. Morales joined the Irvine Foundation’s San Francisco office in September 2016. Previously he led the economic security portfolio at Silicon Valley Community Foundation (SVCF), where he supported financial education and asset-building for low- and moderate-income families throughout Silicon Valley to help them increase their savings, reduce high-cost debt, and build credit. While at SVCF, he also oversaw its anti-payday lending policy advocacy portfolio, working to curb predatory payday lending and secure pro-consumer regulations.

Prior to SVCF, Rafael served as community development program fellow at The San Francisco Foundation. There he oversaw grantmaking in support of affordable housing, asset building, job training and creation, and foreclosure response and neighborhood preservation. Rafael also spent nine years at the National Federation of Community Development Credit Unions, a certified CDFI intermediary representing more than 250 community development credit unions nationwide. While at the Federation he led a statewide coalition of community-based lenders and their 10-year effort to establish the New York State CDFI Fund, signed into law in July 2007. In 2008, he relocated to San Francisco to open the Federation’s West Coast regional office. As West Coast program officer, Rafael served on the Bank on San Francisco Credit Union Subcommittee, the San Francisco Smart Money Network, the Coordinating Council for the California Credit Union Network for Community Development, and on the boards of the U.S. Solidarity Economy Network and the California Center for Cooperative Development.

Rafael currently serves on the Board of Directors of HomeownershipSF and is a Co-Chair of the Bay Area Asset Funders Network. Born in San Juan, Puerto Rico, Rafael is a graduate of Middlebury College and holds a degree in international studies with concentrations in political science and Spanish.