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Executive Management

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

On January 1, 2020, USSFCU named Timothy L. Anderson as the new President and CEO of the United States Senate Federal Credit Union (USSFCU).

Mr. 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.  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 Office Building.

Mr. Anderson possesses over 30 years of senior executive and management experience at large banks and credit unions.  He was the CEO of the Government Printing Office Federal 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.

Mr. Anderson has expansive professional experience.  He is an Engagement Advisory Group Member at the Credit Union National Association (CUNA), and a member on the Advocacy Committee for the Maryland & DC Credit Union Association (MDDCCUA).  He serves as a member on the Board of Directors and the immediate 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 and business loan originations.  Mr. Anderson is also a member of the Board of Directors at the Transportation Federal Credit Union for over 15 years.

Mr. Anderson 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.

Board Members

Ileana Garcia, CPA | Board Chair
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)
  • 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
Tom Wacker | Vice Chair
Tom Wacker
  • USSFCU member 1983 - present
  • Member of the USSFCU Board of Directors 2018 - present
  • Vice Chair of the USSFCU Board of Directors 2019
  • Member of the USSFCU Executive Committee 2019
  • Member of the USSFCU Asset/Liability Management Committee 2005 - 2019
  • Chair of the USSFCU Asset/Liability Management Committee 2008 - 2019
  • Legislative staff member for three former U.S. Senators
  • Government and public relations advocacy and management professional
  • Virginia real estate salesperson licensee
  • B.S. in Public Administration & Political Science, Wayne State College
Christopher C. Dey | Secretary/Treasurer (Incumbent)
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.)
Christopher D. Shunk | Board Chair Emeritus
Christopher D. Shunk
  • Member since 1974
  • Member of the Board of Directors from 1991-2002; 2008 to present; Chairman of the Board from 2014 to present
  • 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
Herbert "Bertie" Bowman | Director (Incumbent)
Herbert "Bertie" Bowman
  • USSFCU member since 1957.
  • Member of the Board of Directors since 1975.
  • Served as 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.
Anthony J. "Tony" Zagami | Director (Incumbent)
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.)
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
  • Member since 1973
  • Member of the Board of Directors since 2005
  • Currently serving 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
Jay Moore | Director
Jay Moore
  • 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
  • Serving as Director of Technology Development Services in the Office of the U.S. Senate Sergeant at Arms for the last four years
  • B.S. in Applied Mathematics, Georgia Institute of Technology, and M.S. in Information and Computer Science, Georgia Institute of Technology
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

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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