MUFG Union Bank, N.A.

Corporate Social Responsibility

Community Recovery Program

We were recently honored to announce the Union Bank Community Recovery Program, a $10 million initiative aimed at addressing social and economic inequities in the communities we serve. This program is specifically focused on building economic stability, including supporting access to capital, entrepreneurship, job retention, retraining, and providing critical social safety net services.

Our charitable contributions

Charitable contributions

In 2019, our charitable investment in the community exceeded $17.6 million. These contributions helped finance the efforts of non-profit organizations within our marketplace.

The charitable commitment is achieved through sponsorship made directly by the bank and through grants and investments made by the MUFG Union Bank Foundation. Click here for a list of 2019 Foundation grant and Corporate Contribution recipients

Information about applying for a charitable grant for your non-profit organization is available in the section below: How to apply.

Foundation grants

The MUFG Union Bank Foundation, a nonprofit public benefit corporation, serves as an agent for charitable contributions made by MUFG Union Bank, N.A. Throughout its history, the Foundation has supported the bank's commitment to help meet the needs of the communities it serves.

The MUFG Union Bank Foundation is committed to providing more flexible funding to help grantee partners who continue to serve our communities in this unprecedented time of need due to the COVID-19 pandemic. 

Please note the “operating grant” option within the application.

Our vision
A sustainable and aspiring society with equitable access to opportunity.

Our mission
Make philanthropic investments that expand access to economic opportunity in low- and moderate-income communities specifically in the areas of affordable housing, community economic development, education, human services and the environment.

Our focus
We believe that the MUFG Union Bank Foundation can achieve the greatest impact on the health of communities by targeting the following strategic funding categories:

  • Affordable Housing: Improve housing stability and influence public policy
    • Housing development and rehabilitation
    • Emergency/transitional/permanent housing
    • Public Policy
  • Economic Development: Catalyze economic growth and prosperity
    • Small business support and innovation
    • Job training and career development
    • Financial education
      • Money management/credit counseling
      • Homeownership counseling
    • Scholarships
  • Stewardship and Sustainability: Support environmental and social well-being
    • Youth development
      • Arts education
      • Environmental education
      • STEM
      • Tutoring/homework help
    • Basic needs (Food security)
    • Land preservation and resource conservation
    • Clean water
    • Clean energy

Corporate sponsorships

Our Corporate Sponsorships program is intended to enhance our reputation and visibility by supporting the charitable work of our employees, clients, and customers.

Our Vision
A sustainable and aspiring society with equitable access to opportunity.

Our Mission
Make philanthropic investments that expand access to economic opportunity in low- and moderate-income communities specifically in the areas of affordable housing, community economic development, education, human services and the environment.

Our Focus
We provide donations and sponsorships in the following broad program areas, but focus on the three priority areas and associated subcategories italicized below:

  • Affordable Housing: Improve housing stability and influence public policy
    • Housing development and rehabilitation
    • Emergency/transitional/permanent housing
    • Public Policy
  • Economic Development: Catalyze economic growth and prosperity
    • Small business support and innovation
    • Job training and career development
    • Financial education
      • Money management/credit counseling
      • Homeownership counseling
    • Scholarships
  • Stewardship and Sustainability: Support environmental and social well-being
    • Youth development
      • Arts education
      • Environmental education
      • STEM
      • Tutoring/homework help
    • Basic needs (Food security)
    • Land preservation and resource conservation
    • Clean water
    • Clean energy
  • Arts & Culture
  • Emergency Services
  • Health

We are particularly interested in donations and sponsorships supporting low-income populations and those that promote and enhance diversity in all forms.

How to apply

The MUFG Union Bank Foundation focuses on philanthropic investments predominately devoted to low-to-moderate-income communities in three primary strategic areas:

  1. Affordable Housing
  2. Economic Development
  3. Stewardship and Sustainability

In addition, the Foundation supports many local community programs. We drive for results that ultimately propel our communities to a better financial future. 

The MUFG Union Bank Foundation is committed to providing more flexible funding to help grantee partners who continue to serve our communities in this unprecedented time of need due to the COVID-19 pandemic.

Please note the “operating grant” option within the application.

To apply, please click here

Link to Complete Grant Application

For questions please reach directly out to your Philanthropy and Contributions Manager based on the regions outlined below: 

Region - Central Valley & Northern California, Pacific Northwest
Ashley Abenoja Bocek 
[email protected]

Region - California: Central Coast & Los Angeles
Susan Cavalli
[email protected]

Region – California: Orange County, Imperial County, Inland Empire, San Diego
JR Raines
[email protected]

Region - Atlanta, Arizona, Chicago, New York, Texas
Yuka Hashimoto  
[email protected]

 

Staff and team

Key people

The Corporate Social Responsibility Staff, Foundation Leadership Team, and Community Advisory Board.

At Union Bank we are committed to reinvesting in the communities where we conduct business. We encourage you to contact us with suggestions, comments, questions, and referrals about community events and sponsorships. 

As part of the MUFG Union Bank, N.A. Community Service Action Plan, our Corporate Social Responsibility Staff actively supports community groups and participates in hundreds of community outreach events every year in our markets. 

The MUFG Union Bank Foundation Leadership Team implements the guiding principles of the foundation and creates partnerships with local communities, volunteers, and bank employees to help fund the efforts of nonprofit organizations dedicated to improving the lives of others.  

Our bank relies on the guidance and support of its Community Advisory Board in developing and refining our community development policies and programs. This board helps guide us through our decade-long community reinvestment commitment. 

Corporate social responsibility staff

Our Corporate Social Responsibility (CSR) division implements the guiding principles of the MUFG Union Bank, N.A. CSR program. As part of this program, we create partnerships with local communities, volunteers, and bank employees to help meet goals to stabilize or revitalize low- and moderate-income (LMI) communities, promote social equity, and support environmental concerns in the activities and enterprises we support.

Our program is based on the principle of sustainability. We work hard to:

  • Foster economic, social, and environmental sustainability
  • Promote financial prosperity, sociocultural equity, and diversity
  • Conserve natural resources to preserve and improve the environment

As part of the MUFG Union Bank, N.A., Community Service Action Plan (link to PDF), CSR staff members are actively involved in helping to drive credit, capital, and services to LMI communities throughout the bank's marketplace. CSR also manages the bank's charitable contributions program, including grants made through the MUFG Union Bank Foundation, as well as donations and sponsorships made directly by the bank.

Please contact us at [email protected] if you have questions relating to the MUFG Union Bank, N.A., CSR program.

Corporate social responsibility team

Julius Robinson
Managing Director
Community Reinvestment Act (CRA) Officer & Group Head, Corporate Social Responsibility Chairman and CEO of the MUFG Union Bank Foundation

Kathy Patoff
Chief Operating Officer,
MUFG Union Bank Foundation

Joseph Gutierrez
Managing Director, CSR Community Lending

Frank Robison
Managing Director, Community Outreach

Richard Chacon
Director, Supplier Diversity

Bobbie Salgado
Director, CRA Strategy & Operations

Brigitte Wilson
Director, CRA Investments

Ryan Bjorkquist
Director, Environmental Stewardship

CSR advisory board

More than two decades ago, MUFG Union Bank established the nation’s first multi-year Community Reinvestment Act (CRA) commitment, which included the establishment of our industry’s first Corporate Social Responsibility Advisory Board (CAB). The CAB is diverse and composed of individuals with extensive expertise in regulatory issues, banking, small business lending, credit union, social venture capital, microfinance, nonprofits, affordable housing, and other areas of community and economic development. Their role is to help guide the bank through its current five-year Community Service Action Plan (CSAP) commitment, and to connect us with their network of industry experts so that we can address the financial service needs of our community. 

 

Gabriel del Rio
CAB Chair
President/CEO
Springboard CDFI

Tunua Thrash-Ntuk
CAB Vice Chair
Executive Director
Local Initiatives Support Corporation, Los Angeles

Thomas P. FitzGibbon, Jr.
Member Board Director
Evergreen Bank

Susan Howard
Western District Community Affairs Officer (Retired)
Office of the Comptroller of the Currency

Hyepin Im
President/CEO & Founder
Faith and Community Empowerment

Vivienne Lee
Regional Director
Southern California – Roberts Enterprise Development Fund (REDF)

David Lizarraga
Founder & Chairman
TELACU Education Foundation

Kristen Ollendorff
Director of Commercial Lending
Clearinghouse CDFI

Beth Sirull
President & CEO
Jewish Community Foundation

Claudia Viek
Founder
Invest in Women Entrepreneurship Initiative

Robert Villarreal
EVP & President
Small Business Finance Fund CDF

Foundation leadership team

The leadership team implements the guiding principles of the MUFG Union Bank, N.A., Corporate Social Responsibility program and creates partnerships with local communities, volunteers, and bank employees to help finance the efforts of nonprofit organizations dedicated to improving the lives of others.

Julius E. Robinson 
Julius Robinson serves as Managing Director and Group Head of MUFG Union Bank’s Corporate Social Responsibility (CSR) Group for the Americas. He is responsible for company-wide CSR strategy and programs in the United States, Latin America and Canada, including charitable giving, community outreach, environmental stewardship, and Community Reinvestment Act (CRA) compliance and investment. Mr. Robinson also oversees the bank’s government relations activities and the MUFG Union Bank Foundation, the nonprofit entity that acts as the agent for the bank’s charitable contributions.

Mr. Robinson joined the bank in 1986 and has more than 40 years of banking experience and a comprehensive knowledge of credit analysis, underwriting, residential mortgage, and commercial and consumer lending.

Julius is well known for his community involvement: He is Vice-Chairman of Operation HOPE’s Northwest Board of Directors, and is on the boards of Students Rising Above, MoAD Museum of African Diaspora, California State University Monterey Bay School of Business, Dominguez Dream, USC LAA Corporate Advisory Council, L.A. Latino Chamber Corporate Advisory Board, and is a Committee member of the Bay Area Workforce Council: Boys and Men of Color Initiative.

Mr. Robinson received his Bachelor of Arts degree in international relations and economics from the United States International University and completed the post-graduate program with Pacific Coast Banking School at University of Washington, Seattle. In addition, he holds a Certificate of Practice in Corporate Community Involvement from Boston College Carroll School of Management.

Kathy Patoff 
Kathy Patoff is Chief Operating Officer of the MUFG Union Bank Foundation. Kathy’s career at the intersection of public, private, and nonprofit sectors has focused on serving vulnerable, low-income, and multicultural populations. Kathy is charged with philanthropic strategy, systems transformation, collaborations leveraging the bank’s human capital, and measuring, monitoring and communicating results of the MUFG Union Bank charitable contributions program.

Kathy serves on The University of San Diego Institute for Nonprofit Education and Research Advisory Board.

Our efforts and achievements

Our efforts

Investing in our communities

Partnering. Investing. Building. We believe these are ways we can help communities thrive. By providing the right financial tools and lending our support, we are working with communities to create a solid foundation for the future. 

In 2016 Union Bank® launched its third Community Service Action Plan for $40 billion, reflecting the bank’s strong commitment to the communities we serve. A copy of the 2016 CRA 5-Year Commitment is available upon request made to [email protected]

The MUFG Union Bank, N.A., 2016-2020 Community Service Action Plan (CSAP) outlines the bank’s five-year community commitment. The CSAP has 11 tenets of focus: Economic Development, Small Business Lending, Multi-family Affordable Housing Lending, Single Family Affordable Housing Lending, Branch Technology and Deposit Products, Philanthropy, Environmental Stewardship, Community Advisory Board, Supplier Diversity, Innovation, and Workforce and Board Diversity. This marks the bank’s third CSAP in more than 20 years.

Diversity lending: Loans to nonprofit organizations and businesses owned by women, minorities, and veterans

Community development finance: Affordable housing loans and tax credits for community development

Low- to moderate-income markets: Special checking products and mortgages to help low- to moderate-income consumers build a sound financial future

Supplier diversity: Supporting diversity in our suppliers by using businesses owned by women, minorities, and veterans

Foundation grants: Charitable contributions with a focus on affordable housing, education, community economic development, and the environment

Five Tenets of Responsible Banking

Financial products to fit your needs
Union Bank is committed to helping you achieve your financial goals with an array of products to fit the needs of the broad range of communities we serve. Some of those products are listed below:

Low cost account options: Special checking products for those with basic checking needs or low-income individuals

Economic opportunity mortgage: Designed for low- to moderate-income households, or homeowners in a qualifying census area

Small business loans: Government-assisted and SBA programs for businesses unable to obtain financing through standard programs

Community development finance: Loan programs to support multi-family projects in rural areas and to support special needs populations in need of affordable housing

Supplier diversity

Union Bank is committed to promoting economic vitality in the communities we serve. That's why we created our Supplier Diversity & Development office. Our goal is simple: to increase the number of diverse business enterprises from which we buy products and services. We want to help your business do business with us. 

What we can do for you

  • Teach you how to become part of our contracting and procurement process.
  • Match your company's products and services with the needs of Union Bank.
  • Help you gain recognition with the bank's purchasing decision makers.

To be eligible, 51 percent of your company must be owned and controlled by one or more U.S. citizen individuals who belong to one of these groups: African Americans, Asian Americans, Native Americans, Hispanic Americans, women, veterans, LGBTQ, or Small Business Enterprises. 

Step 1: Obtain a vendor information form
Email your request to: [email protected] or call 1-800-821-5351
Include in your request a description of the product and/or services your company provides.

Step 2: Complete and mail the form
Mail a copy of the vendor information form and a detailed description of your business to: 

Union Bank 
Supplier Diversity & Development Office 
1221 Broadway, 8th floor
Oakland, CA 94612  

Or email the form to: [email protected]

Step 3: Verification 
The bank will verify that your business is currently certified or self-certified as a diverse business enterprise.

Step 4: Activation 
Once we verify that your company meets the diverse business enterprise requirements, we will add your company to our supplier diversity database of potential suppliers. Your information will be reviewed by a Supplier Diversity Manager within 45 business days of receipt. 

Please note, however, that outreach will only occur if there is an immediate interest for an upcoming sourcing project.

Step 5: We contact you
We will contact you should we need additional information, or when your company profile matches our need for products and services.

Union Bank CSR Report

In a constantly evolving world, we need new, innovative ideas to solve society’s most pressing problems. MUFG is dedicated to finding these cutting-edge solutions and tailoring our community support to achieve the most impact. While solutions may change, MUFG’s values of Integrity, Respect, Service, Collaboration, Inclusion, and Stewardship endure, consistently guiding us as we give back to the communities where we do business.

Download the CSR annual report

MUFG Union Bank Foundation and corporate giving Impact reporting for 2018

Community Reinvestment Act (CRA) Public File

Union Bank Community Reinvestment Act Public File

In accordance with the Community Reinvestment Act (CRA) Regulation BB, 12 CFR 228, Union Bank® is required to maintain and, upon request, make available for public inspection a complete CRA Public File in at least one branch for every state in which the bank operates.

For your convenience, we've made much of the information available on our website. However, some information cannot be easily captured online. You may write to the [email protected] inbox to request copies of the complete file or to obtain information that is not available online.

OCC CRA Exam results

About every three years, our regulator, the Office of the Comptroller of the Currency (OCC), examines the bank's performance under the Community Reinvestment Act (CRA). The OCC reviews the bank's lending, investments, and services to ensure we are meeting the banking and credit needs of their communities -- with emphasis on low- and moderate-income communities.

At the conclusion of its evaluation, the OCC rates the bank's CRA performance as "outstanding", "satisfactory", "needs to improve", or "substantial noncompliance". Union Bank earned an "Outstanding" rating in its most recent CRA exam. This rating is based on:

  • Bank size, financial condition, and economic climate 
  • U.S. census data, available housing, and housing costs in the bank's market area
  • Past CRA performance, CRA performance of peer financial institutions and public comments about the bank's CRA performance
  • Tests of the bank's lending, investment, and banking services to the communities the bank conducts business in -- with attention given to the bank's business competition and opportunity, product offerings, and business strategy

Lending Test

The OCC measures the bank's performance in meeting the credit needs of areas in which the bank's main offices, branches, and deposit-taking ATMs are located, with consideration of the following:

  • Home mortgage, small business, small farm, and community development loans
  • Lending activity, geographic distribution of loans, borrower characteristics, community development lending, and the bank's use of innovative or flexible lending practices to meet the needs of low- and moderate- income communities

Investment Test

The OCC evaluates the bank's community development investments -- including both tax credit and equity investments, as well as charitable donations -- based on the following:

  • Dollar amount, innovation, complexity and responsiveness to credit and community development needs
  • Whether the bank meets community needs unmet by private investors
  • Geographic distribution of the bank's investments

Service Test

The OCC evaluates retail banking and community development services, including:

  • The number of branches and distribution in low- and moderate-income areas
  • Alternatives for delivering retail banking services in underserved communities
  • Qualifying community service hours provided by the bank's employees on behalf of the bank

Documents on this page are in PDF format. Adobe® Acrobat® Reader or another portable document format reader is needed to view PDFs.