Janneke Ratcliffe is vice president of the Housing Finance Policy Center at the Urban Institute. Her career, spanning research, industry, the nonprofit sector and government, has focused on building financial systems that foster equity and prosperity. Ratcliffe joined Urban from the CFPB, where she served as assistant director, leading its Office of Financial Education. Previously, she directed the UNC Center for Community Capital, driving research on how mortgage markets and financial services can promote financial security and economic opportunity. Ratcliffe has also served at the Center for American Progress in housing finance, and at Self-Help where she was instrumental in high-impact programs in affordable and Community Reinvestment Act mortgages and community development finance. She also spent ten years in the mortgage company and mortgage insurance subsidiary of GE Capital.