Headshot of Nicole Agbayani

Nicole Agbayani

Director, Office of Financial Empowerment

 Nicole Agbayani serves as the Director of the Economic Justice Center within the Office of the Treasurer & Tax Collector. A proud native of San Francisco’s Excelsior neighborhood, Nicole brings a deep commitment to building a more inclusive and equitable city where all families can thrive. She originally joined the team as Director of the Office of Financial Empowerment (OFE) and led the successful merger of OFE with the Financial Justice Project, forming what is now the Economic Justice Center. Since joining the team, Nicole has guided the group’s strategic vision and growth, advancing citywide efforts to promote economic equity and financial inclusion through innovative programs, cross-sector partnerships, and systemic reforms. Nicole brings more than a decade of public service with the City & County of San Francisco, previously serving as Director of Community Affairs for the Offices of the City Administrator and the Assessor. During her time with the Assessor‘s Office, Nicole led citywide engagement efforts and launched the award-winning Family Wealth Forum series, connecting thousands of residents with financial and legal resources. Her career has been rooted in community and economic development across San Francisco neighborhoods.

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JoPierre "JP" Davis

Community Engagement Coordinator, Kindergarten to College

JP is the Community Engagement Coordinator for the Kindergarten to College (K2C) program. A San Francisco native, JP previously worked as a counselor with the Juvenile Probation Department and also ran the Outreach and Recruitment for the San Francisco Conservation Corps. JP is passionate about supporting youth and excited to strengthen the financial capability of students and their families. JP leads K2C's school ambassador program and champions creative outreach opportunities to drive engagement among communities in the school district.

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Peter Gentile

Account Coordinator, Kindergarten to College

Peter provides customer service and processes account related requests for
Kindergarten to College (K2C). Prior to joining OFE, Peter worked in the financial
aid and accounting departments at Heald College. Peter is passionate about
supporting students and families along their college savings journey.

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Thanh Hong

Operations Specialist

Thanh serves as the Operations Specialist for the Office of Financial Empowerment. Previously, Thanh championed equity and accessibility for underserved arts communities and supported San Francisco Artists with grant funding at the San Francisco Arts Commission. Thanh is passionate about supporting individuals and communities in achieving financial stability and economic mobility, working to foster equitable access to resources and opportunities. As an advocate for accessibility, Thanh believes in creating inclusive spaces and systems that are accessible to all, ensuring that financial empowerment is within reach while fostering environments that welcome and uplift every community member.

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Mohan Kanungo

Program Manager, Kindergarten to College

Mohan leads the Kindergarten to College Savings program and the K2C team. Mohan has more than 10 years of experience in the non-profit sector, most recently with the Children’s Council of San Francisco as the Director of Community, Innovation and Impact. Prior to Children's Council, he served as the Director of Programs and Engagement with Mission Asset Fund (MAF).  Mohan brings a commitment to financial inclusion and a passion for championing equity-driven, tech-enabled initiatives. He has worked with community-based organizations in New York and California, and has lived, studied and traveled extensively abroad. Mohan graduated from the University of California at San Diego in 2007 with degrees in International Studies & Ethnic Studies.

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Michelle Lau

Policy Manager

Michelle Lau is the Policy Manager for the San Francisco Economic Justice Center. In this role, she advances fine and fee reforms locally in San Francisco and statewide in California, designs and implements economic justice policies and programs, and support’s EJC’s communications strategy. Prior to her work with the City, Michelle worked as a civic sector consultant where she partnered with government agencies, foundations, and not-for-profit organizations. Michelle holds a Master of Public Policy from UC Berkeley and an undergraduate degree from Princeton University.

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Rebecca Loya

Research Director

Rebecca (Becca) Loya provides research support and policy expertise to the OFE team on matters related to financial access and inclusion. Becca has more than a decade of experience with community-engaged, applied research in the domain of financial inclusion and asset-building for low- and moderate-income families. Before joining OFE, Becca was a Research Scientist with the Institute for Economic and Racial Equity (IERE) at Brandeis University’s Heller School for Social Policy and Management. Becca’s prior work focused on children’s savings account programs; inclusive financial services; gender-racial wealth gaps; the economic impacts of trauma; and the protective effects of financial assets and social capital. Becca has a Ph.D. in Social Policy and a master’s degree in Psychology.

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Mandy Ngu

Community Engagement Specialist

Mandy serves as the Community Engagement Specialist for the Office of Financial Empowerment. She previously worked in the Mayor's Office, where she partnered with community leaders and nonprofit organizations to host cultural celebrations and strengthen connections between local government and San Francisco's diverse communities. She later joined the Department of Public Health's communications team, supporting leadership messaging, media events, and internal communications. Mandy earned her Bachelor of Arts in Political Science from San José State University. A San Francisco native and daughter of immigrants, she is deeply committed to serving her community.

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Rhett Peacock

Management Assistant

Rhett provides administrative support and project management for EJC’s special projects and events. Prior to serving in this role, he worked at the San Francisco Public Utilities Commission as a policy analyst and an administrative aide with the Mayor’s Office. Rhett earned his Bachelor of Arts in Philosophy in 2015 and has been honored to call San Francisco home since 2017. 

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Teresa Sanchez

Community Engagement Specialist, Kindergarten to College

Teresa serves as the Community Engagement Specialist for the Kindergarten to College (K2C) Program. Prior to joining OFE, Teresa served the Property Tax and the Real Estate Services Departments within the City and County of San Francisco. Teresa is eager to promote the K2C program and assist students and their parents save for college. Teresa leads K2C's partnerships with community organizations and designs outreach strategies including deposit days, contests and workshops ensuring students build their college savings and access their funds to continue their education after high school.

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Anne Stuhldreher

Senior Advisor

Anne Stuhldreher is a Senior Advisor in the San Francisco Office of the Treasurer, where she helps conceive and launch new economic justice programs and policies. She founded the office's work to assess and reform fines, fees, and debt that unfairly burden people simply for being poor. Under her leadership, San Francisco led the nation in rethinking how cities use financial penalties — eliminating or reducing dozens of city-imposed charges, lifting debt from tens of thousands of residents, and removing barriers to stability. She co-founded Cities and Counties for Fine and Fee Justice, a national network advancing these reforms, and helped achieve statewide changes that eliminated billions of dollars in debt owed by low-income Californians. She also conceived Kindergarten to College and Bank on San Francisco, initiatives that have helped tens of thousands of San Franciscans build financial stability.

Before joining the City, Anne held senior roles at The California Endowment, New America, and in the Office of Governor Arnold Schwarzenegger. She has also been an Aspen Institute Fellow and worked at the Ford Foundation. She writes and speaks frequently on economic justice — including authoring Overcharged, her commentary series for CalMatters. Anne holds dual master's degrees in business and public affairs from the LBJ School at the University of Texas at Austin and a B.A. from the University of Virginia.

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Donna Wong

Customer Service Coordinator, Kindergarten to College

Donna provides customer service and account management for Kindergarten to College (K2C). Prior to joining OFE, Donna served as an administrative assistant in San Francisco's public school system. 

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Andrea Yee

Financial Capability Program Manager

Andrea is OFE's Financial Capability Program Manager and leads financial education and access initiatives including SF Financial Counseling and Bank On San Francisco. Andrea was most recently the Senior Manager of Design and Innovation at MyPath, where she was the lead visual and curriculum designer, and piloted launches of innovative credit building and financial mentoring programs with financial institution partners and youth programs.