Joe Lozano
Vice President, Division of Financial Institution​, Supervision + Credit


Joe A. Lozano has been a federal financial institution regulator for 35 years with the Federal Reserve Bank of San Francisco (FRBSF).  In his current role, he serves as the Vice President over the Regional Institutions Group, responsible for the oversight of institutions between $10 Billion and $100 Billion, in the Division of Supervision + Credit (S+C).

Previously, Joe was responsible for overseeing the San Francisco, Los Angeles and Salt Lake City based financial examination staff responsible for conducting safety and soundness, information technology and fiduciary examinations of agencies and branches of foreign banks, state member banks and bank and savings and loan holding companies.  Joe also had responsibility for S+C’s centralized examination scheduling function and the enforcement unit.

Since joining the FRBSF in 1989, Joe served in various roles within the Division, including Commissioned Examiner, Team Leader, and Officer of the Examination Support Unit.  In addition, he served as the Officer over the Community Institutions Group, responsible for institutions less than $10 Billion.  He has extensive experience in community bank supervision, including credit portfolio analysis, risk management, market and liquidity risk, and bank operations.  He also participated on several Federal Reserve System committees and workgroups focused on regional and community bank supervision issues and examiner training. 

Prior to joining the FRBSF, Joe served as an Investment Officer and Funds Manager for a savings and loan institution located in the San Francisco Bay Area. 

Joe received Bachelor of Arts degrees in Economics and Psychology from Stanford University, Palo Alto, California.

Regulator Panel