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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

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

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

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

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

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

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

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

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.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

USSFCU has always been accommodating, easy to work with, and staff are always kind. I have every intention of keeping my account with this bank for a long, long time.

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!

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