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Our Leadership

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Executive Management

Timothy L. Anderson | President & CEO
Timothy L. Anderson

Timothy L. Anderson has a long history with USSFCU, most recently serving as the EVP and Chief Retail Officer prior to assuming the role of President and CEO in 2019.  He served on the USSFCU Board of Directors for over fifteen years in various capacities, including as Chairman of the Board.  He began his career with USSFCU as the Branch Manager of the flagship Hart Senate location.

Tim possesses over 30 years of senior executive and management experience at large banks and credit unions.  He was the CEO of a local credit union in Washington, DC; a position he held for eight years prior to becoming EVP at USSFCU.  Other positions include VP and COO at American Spirit Federal Credit Union; VP and COO at the Treasury Department Federal Credit Union; VP of Operations at Equitable and Independence Banks; and Assistant VP and Financial Center Manager at BB&T and M&T banks in the Washington, DC area.

Tim has expansive professional experience.  He is an Engagement Advisory Member at the Credit Union National Association (CUNA), and a member on the Board of Directors for the Maryland & DC Credit Union Association (MDDCCUA).  He serves as a member on the Board of Directors and past Chairman for the African American Credit Union Coalition (AACUC).  He is past Chairman of USSFCU’s wholly owned CUSO, Credit Union Strategic Services, which focuses on business loan participations. 

Tim received his M.B.A. from the University of Maryland, University College and serves this institution as an Adjunct Professor in the Finance and Economics Department.

Kathy Dalfrey | Senior Vice President & Chief Financial Officer
Kathy Dalfrey

Kathy joined USSFCU as Senior Vice President and Chief Financial Officer in April 2018. Kathy is a seasoned financial and credit union executive, with over 25 years of relevant experience, including her last eight (8) years at Transportation Federal Credit Union. Kathy brings a wide-range of accounting and lending expertise to USSFCU and holds an MBA in Accounting and Finance from The George Washington University School of Business.

In her spare time, Kathy enjoys spending time with her family and pups, dedicating time to animal rescue, and scuba diving!

Jeff Smith | Chief Lending Officer
Jeff Smith

Joining USSFCU’s Executive Team in December 2019, Jeff Smith brings over 25 years of lending experience. Graduating from California State University, Long Beach, Jeff earned his Bachelor of Economics degree in 1985. He is also a 2007 graduate of Western CUNA Management School.

Specializing in both consumer and commercial lending, Jeff most recently served as Chief Lending Officer (2007-2019) at SkyOne Federal Credit Union, headquartered in Hawthorne, California.

Jeff is the proud father of two amazing daughters and an avid long distance runner.

Heather Mansour, MBA-HRM | SVP, Human Resources & Training
Heather Mansour, MBA-HRM

Heather joined USSFCU as Senior Vice President of Human Resources & Training in February of 2020.  She has over 10+ years as a Strategic Leader in all areas of Human Resources; with experience working in the credit union, financial industry, and call center world.  Heather has a Bachelor of Science in Business Management from University of Phoenix and a Master of Business Administration in Human Resources Management from Capella University, where she graduated with a 4.00 GPA and she received the President’s Award.  Heather has a passion for providing exceptional service levels to employees and a firm believer of corporate culture, engagement, talent development and employee retention.  She also enjoys working with partners to give back to the local community.

In her spare time, Heather enjoys spending time with her family and pets.  She is an advocate reader and traveling excursions is one of her favorite things to do.

Omar Ramsay, JD, NCCO, CRCM, CRMA | Chief Risk Management Officer
 Omar Ramsay, JD, NCCO, CRCM, CRMA

Joining USSFCU as Chief Risk Management Officer in February 2020, Omar Ramsay is a Legal, Compliance, and Risk professional with more than 10 years of diversified experience in the banking and legal industries. A recipient of the Presidential Academic Scholarship from the George Washington University, Omar graduated from GWU with a Bachelors in Business Economics & Public Policy and from the Howard University School of Law with a J.D.

Omar is skilled in obtaining the buy-in of business lines by working with them to not only identify unmitigated risks, but by also identifying areas of opportunity where the business has controls disproportionate or in excess of the risk they are meant to mitigate. He focuses on providing a balanced approach in all of his positions, bringing value and clarity to a field that is often seen as nebulous and a roadblock.

As a lawyer barred in Maryland and a Certified Regulatory Compliance Manager, Omar is well versed in the full spectrum of banking regulations with a focus on mortgage origination. Armed with his Certification in Risk Management Assurance, he is skilled in utilizing Enterprise Risk Management to drive and facilitate efficient decision making while also ensuring the appropriate mitigation of risks.

Omar Ramsay is a member of the American Bankers Association (ABA), the Institute of Internal Auditors (IIA) and a Bar Member of the State of Maryland.

Herbert "Bertie" Bowman

Board Member Emeritus

USSFCU Board of Directors 1975 - 2021

USSFCU member since 1957 | Chairman of the Board for two terms

Past Chairman of the Credit, Personnel and Supervisory Committees

Past Co-Chairman of Assets/Liability Management Committee and By-Laws Committee

Currently serves as Hearing Coordinator for the Senate Foreign Relations Committee

Board Members

Jay Moore | Chair
Jay Moore
  • USSFCU member since 2000
  • Member of the Board of Directors since 2019
  • Member of the USSFCU Supervisory Committee since 2012
  • Retired U.S. Army Colonel, serving over 26 years as a Signal Corps officer
  • Over twenty-one years of service in the Office of the U.S. Senate Sergeant at Arms CIO organization
  • Served as Director of Technology Development Services in the Office of the U.S. Senate Sergeant at Arms for the last four years prior to retirement
  • B.S. in Applied Mathematics, Georgia Institute of Technology, and M.S. in Information and Computer Science, Georgia Institute of Technology
Anthony J. "Tony" Zagami | Vice Chair
Anthony J. "Tony" Zagami
  • USSFCU member since 1967
  • Member of the Board of Directors since 1986
  • Former Chairmen of the Board Chairmen and also served on Personnel, Supervisory, and ALCO Committees as well as CUSS Credit Union Service Organization
  • Former Director and Chairman of the Board of the GPO Federal Credit Union
  • Retired General Counsel Emeritus for the USGPO
  • Former member of Board of Directors of the CUNA DC Credit Union League
  • 30-year Senate career includes service with the Secretary of the Senate, Senate Sergeant-at-Arms, Architect of the Capitol, and various Congressional Committees
  • University of Maryland School of Business and Public Administration (B.S.), and the George Mason University School of Law (J.D.)
Christopher C. Dey | Treasurer
Christopher C. Dey
  • USSFCU member since 1998
  • Member of the Board of Directors since 2002
  • Currently serving as Board Treasurer
  • Past Chairman and Vice Chairman of the Board of Directors
  • Past Chairman of the Supervisory and Nominating Committees
  • Former volunteer Asset/Liability Management, Supervisory and Nominating Committees
  • Served for over 25 years as Chief Financial Officer for the Office of the Sergeant at Arms of the United States Senate
  • Georgetown University (B.S.B.A.) and New York University (M.B.A.)
Ileana Garcia, CPA | Director (Incumbent)
Ileana Garcia, CPA
  • Member since 1997
  • USSFCU Secretary/Treasurer (2009 – 2015)
  • Past Chairman of the United States Senate Federal Credit Union Supervisory Committee (2003-2006)
  • Former Financial Clerk of the U.S. Senate
  • Internal audit experience with a Fortune 500 company
  • External audit experience for a Public Accounting Firm
  • B.S. degree in Business Administration
Christopher D. Shunk | Director
Christopher D. Shunk
  • USSFCU member since 1974
  • Member of the Board of Directors from 1991-2002; 2008 to present; Chairman of the Board from 2014 to 2019
  • Served as Treasurer, Volunteer and Chairman on the following committees: Asset/Liability Management, Credit, Loan Policy, Nominating and Supervisory
  • U.S. Senate Disbursing Office; Committee on Rules & Administration; 1974-1977 and 1981 to 2013
  • A.A. – Prince George's Community College; B.B.A. – The George Washington University; M.R.E. – Abilene Christian University
Deborah Yarborough | Director
Deborah Yarborough
  • USSFCU Member since 1992
  • Past Chair USSFCU Supervisory Committee (2019-2021) (2014-2016)
  • Member of USSFCU Supervisory Committee (2006-2021)
  • Served over 33 years at the U.S. Government Accountability Office (retired as Assistant Director) and the Department of Navy
  • Boston College (A.B.) American University (M.P.A)  Post graduate work at the Naval War College and Naval Post Graduate School
  • Volunteer Credit Union Cherry Blossom Run
  • Volunteer Credit Union Foundation of MD and DC
Joe Eckert | Director (Incumbent)
Joe Eckert
  • USSFCU member since 1989
  • Member of the USSFCU Supervisory Committee since 2019
  • Retired from the U.S. Senate Sergeant at Arms in 2021 after 33 years of service
  • Led major IT projects for the Senate for nearly 20 years, retiring as the Manager of Systems Design, Development and Implementation
  • Former board member of the Esther Peterson Child Development Center at DOL
  • Bachelor of Arts from the Catholic University of America
Judy Rainey | Director
Judy Rainey
  • USSFCU member since 1972
  • Serves as Director of National and Legislative Affairs for Cribs For Kids
  • Member of the USSFCU Board of Directors since 2002; served as Chair and Vice-Chair
  • Former Deputy Chief of Staff for Senator Frank Lautenberg
  • Worked as Director of Administration for Senators Thomas R. Carper and J. Robert Kerrey
  • Coordinated the U.S. Senate Democratic Office Managers Group
  • Founder and coordinator of the U.S. Senate Joint Steering Committee
  • Founding member, and former board president, of the Senate Employees Child Care Center
Margaret P. "Margo" Rushing | Director
Margaret P. "Margo" Rushing
  • USSFCU member since 1973
  • Member of the Board of Directors since 2005
  • Served on the Executive Committee
  • Served as Chairman of the Nominating Committee
  • Served as a volunteer on the Asset/Liability Management Committee (ALCO)
  • Served for over 33 years in the following Senatorial offices; Deputy Chief of Staff for Senator Conrad Burns, Administrative Director for Senator Chic Hecht, Office Manager for Senator S. I. Hayakawa and Legislative Secretary for Senator James Buckley
  • Chaired the U.S. Senate Republican Office Managers/Administrative Directors/Chief Clerks
  • Chaired Joint Meetings for Republican and Democratic Administrative Directors
  • Chaired the Senate Steering Committee
  • A.S. Business Administration, University of South Carolina Georgetown Senior Executive Leadership Program graduate
Penelope A. Gross | Recording Secretary
Penelope A. Gross
  • Serving in current position since May 1985
  • Fairfax County Board of Supervisors, representing Mason District (1996 to present)
  • Executive Assistant to Congressman Mike Kopetski (D-OR) 1991-94
  • Consultant to the Democratic National Committee,1986- 88
  • Staff Assistant to Senator Frank Church (D-ID) 1969-84
  • Staff Assistant to Senator Wayne Morse (D-OR) 1965-68
  • B.S. in Political Science, University of Oregon, 1965

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

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