Is it urban fantasy?
Hmm. We have a secretive group hiding from the world of normal humans. But that could be a fantasy world. And if it's our world, it's going to be treated much like Robin McKinley did in Sunshine or Shadows -- the implicit backdrop, since my heroine is not going to be walking the streets detecting. She may visit a pastry shop, or a library, but insofar as she's doing the action stuff, she's doing it safely in the fantasy lands side of things, behind the concealment.
Possibly it's genre status would be ambiguous even complete