How we're governed
USALLIANCE is led by a dedicated executive team and governed by a volunteer Board of Directors. Each plays a distinct role in serving our members and shaping our future.
Executive Leadership
Leads day-to-day operations, executes strategic priorities, and ensures we deliver value to our members every day.
Board of Directors
Provides strategic oversight, protects member interests, and holds leadership accountable for the long-term success of the credit union.
Meet our leaders
Our executive team brings decades of combined experience in financial services, technology, and member operations to guide USALLIANCE forward.
Carlos Fonseca
CMXO & EVP, Marketing & Experience
Carlos joined USALLIANCE in 2024 and is responsible for leading the development and execution of the credit union's brand, marketing, and member experience strategies across all contact channels and touchpoints. His work shapes how members connect with USALLIANCE at every stage, strengthening trust and consistency across the member journey. Prior to USALLIANCE, Carlos held senior global marketing, strategy, and consumer insights positions at Mastercard, MetLife, Coca-Cola, and Citibank. He holds a BS in Industrial Engineering from Universidad de Los Andes and an MBA from Georgetown University. He serves on the boards of Grameen Foundation, Lasell University, and Georgetown's McDonough School of Business.
Kevin Randall
CSIO & EVP, Strategy, Innovation & IT
Kevin leads enterprise strategy and oversees technology and innovation. Since joining USALLIANCE in 2012, he has also led e-commerce, marketing, risk management, payments, and deposit account services. Kevin has seen the industry from both sides: he worked in credit union technology, then moved to the vendor side at FIS/Memento, where he implemented fraud detection analytics and forensic accounting solutions at large banks and credit unions. He is passionate about the financial cooperative model and about using innovative technology to improve member service. Kevin holds a BBA from the Isenberg School of Management at the University of Massachusetts Amherst and an ScM from Brown University, as well as the Credit Union Executives Society (CUES) Certified Chief Executive (CCE) and Certified Innovation Executive (CIE) designations.
Alexander Schmidt
CLO & EVP, Lending Solutions
Alexander is responsible for Lending Solutions at USALLIANCE, encompassing the full life cycle of a loan: origination (consumer, specialty, real estate, and commercial), servicing, collections, and financial assistance. He has a risk management and underwriting background. Prior to joining USALLIANCE in 2016, Alexander worked for a community bank in the Southern Tier of New York. He is devoted to making a difference in each member's life throughout the lending process. He specializes in portfolio growth with an emphasis on stability and continual process improvement. Alexander holds the Credit Union Executives Society (CUES) Certified Chief Executive (CCE) designation.
Brett J. Wheeler
President & CEO
Brett was appointed President & CEO by the Board in June 2026. He brings more than two decades of credit union experience, including nine years with the National Credit Union Administration (NCUA) and nine years as Chief Financial Officer at USALLIANCE. Throughout his career, he has led key operational functions and played a leading role in the credit union's recent mergers. His leadership is centered on supporting members' financial well-being by strengthening USALLIANCE's product lineup, delivering service excellence, and maintaining exceptional value for members.
Meet our Board of Directors
Elected by our membership, our Board of Directors volunteers their time and expertise to oversee USALLIANCE's mission, strategy, and financial health.
Ellen R. Dulberger
Director
Ellen spent her career with IBM Corporation, serving more than a decade each in economic research, business strategy, and enterprise risk management. Her research influenced measurement of capital investment in the U.S. economy, and her strategy work contributed to early insights into cloud computing. She was the first to hold the board-created role of Vice President, Enterprise Risk Management. Ellen holds a BA in Economics from Queens College, CUNY, and a PhD in Economics from The Graduate Center, CUNY.
Paul Gravenese
Director
Paul serves as Treasurer & Deputy CFO at the United Nations Development Programme (UNDP). He is responsible for leadership and management of global Treasury activities and services for UNDP, UN Capital Development Fund, UN Women, UN Population Fund, as well as other UN agencies. Paul is a financial services professional who has worked for a small accounting firm, a Wall Street firm, and two Fortune 20 multinational corporations, and is currently at UNDP.
Arthur Kentros
Vice Chair
Arthur serves as Vice President & Executive Counsel of Kyndryl, Inc., managing a team of 10 lawyers in its legal department. He has extensive experience in complex transactions, dispute resolution, compliance, antitrust, and employment matters. Kyndryl became an independent, publicly traded company in November 2021 after it was spun off from IBM. His work at both IBM and Kyndryl has included leading efforts to increase efficiency and productivity through new legal service delivery models, with a proven track record managing large organizations in a matrixed environment.
William H. Lusk
Treasurer
Bill currently serves as Associate Director of Finance for Alliance for Positive Change, a nonprofit in New York City providing outpatient services to people with chronic illnesses. He oversees budgets and administrative matters at the organization. Bill spent 32 years with IBM Corporation holding several positions, including treasury management, facilities management, planning/budgeting, product pricing, licensing, and mergers and acquisitions.
Dr. Loretta Ovueraye
Director
Loretta serves as Vice President for Academic Affairs at Seminole State College and brings extensive leadership experience in higher education. She previously spent over 20 years at Miami Dade College and Baton Rouge Community College, holding roles including department chair for Biology, Health, Wellness, and Funeral Service Education, Dean of Faculty at MDC Padrón Campus, Vice Chancellor of Academic Affairs, and Vice Provost for Workforce Programs and Professional Learning.
Carla M. Palma
Chair
Carla joined the Board in 2009 and is now Board Chair. Before that, she held leadership roles on both the Finance and Governance Committees. She brings more than 30 years of executive experience in corporate finance and treasury, having held senior leadership positions at PepsiCo, IBM, XPO Logistics, and Hitachi America. Throughout her career, she has led treasury operations, liquidity management, financial strategy, and enterprise risk management for global organizations.
Todd A. Paschke
Secretary
Todd began his 30-year career with Marriott in Toronto, Canada, and went on to work in Finance & Accounting across Marriott's U.S. locations. Since 2019, he has served as Vice President of Finance, Consumer Operations, Global Brand & Marketing for Marriott Global Finance. Todd served on the Board of Marriott Employees Federal Credit Union as Treasurer and Secretary, and joined the USALLIANCE Board of Directors in 2023.
Thaddeus Shepherd
Director
Thad currently serves as Global Officer, Compensation & Benefits for Marriott International, Inc., leading the company's total rewards strategies to attract and retain top talent. Marriott's total rewards programs include base salary, incentives, paid time off, stock compensation, retirement and pension plans, and health insurance. Thad also oversees executive compensation, aligning with the Human Resources and Compensation Committee of the company's board of directors.