Executive Team

CO-OP’s Executive Management Team represents a breadth of payments and financial services expertise in pursuit of a single mission: Helping credit unions thrive.

About Todd Clark

On June 27, 2016, became President/CEO of CO-OP Financial Services, a Rancho Cucamonga, California-based provider of financial technology to credit unions (www.co-opfs.org).

"After a nationwide search for many months, the Board of Directors is delighted to report that Todd will be leading the industry's largest credit union service organization in terms of credit unions and members served," said Jeff Napper, Chairman of the Board of CO-OP, when Clark's appointment was announced. "Todd's extensive 25 years of experience as a proven and well-respected leader in the payments systems industry will benefit and serve credit unions well for many years to come."

Prior to CO-OP, Clark served as SVP/Head of STAR Network and Debit Processing for First Data Corporation, where he had full profit and loss responsibility for the EFT Group. In this capacity, he led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support personnel. Prior to the First Data assignment, Clark was an executive with Cardtronics, Inc., and also served in a prior capacity at First Data from 1991 to 2012.

About Nicholas Calcanes

Chief Information Officer Nick Calcanes joined CO-OP in April 2017 from financial technology solutions provider Fiserv, where he was CIO for Financial Risk Management Solutions. His 25-year career in the financial services industry includes key technology leadership positions as CIO, Wholesale Credit and Client Technology, at Bank of America Corporation and CIO, Global Functions Technology, at Ally Financial. In these roles, Calcanes managed technology strategy and oversaw the IT functions for 1,000-plus person organizations and multi-millions in budgets. His experience includes transforming IT strategy to realign people, processes and technology across business operations, as well as increasing performance outputs. Calcanes’ focus at CO-OP is to elevate CO-OP’s technology strategy and build out infrastructure to continue its transformation as a digital company.

About Jill DeNiro

Jill DeNiro, with 25 years of Human Resources experience in the financial services and healthcare industries, serves as Chief People Officer, heading CO-OP’s Human Resources organization. DeNiro joined CO-OP Financial Services in August 2003.

DeNiro has earned professional designations as a Professional in Human Resources (PHR) from the Human Resources Certification Institute (HRCI), and Certified Compensation Professional (CCP) and Certified Benefits Professional (CBP) from WorldatWork Society of Certified Professionals. She also has a Credit Union Management Certificate from the Western CUNA Management School.

Her work in her profession also includes assisting the HRCI on a national level as an Item Writer, drafting questions for the PHR-CA certification exam. She also served as an Advisor and Treasurer for her local chapter of the Professionals in Human Resources Association (PIHRA). 

Prior to joining CO-OP Financial Services, DeNiro held several Human Resources roles, including Recruitment Manager at Exempla Lutheran Medical Center in Colorado. She also served as Human Resources Manager for Team Rehab.

DeNiro holds a Bachelors of Science degree in Business Management, Human Resources emphasis, from California State Polytechnic University, Pomona. She also attained an Executive MBA degree from Chapman University in Orange, California.

About James Hanisch

James (Jim) Hanisch has more than 35 years experience with credit unions and 40 years experience with payments and technology. Jim serves as Chief Operating Officer and heads the operational areas of the organization. 

Hanisch, an Iowa native, arrived at CO-OP Financial Services in 2000. He has been involved with credit unions since the late 1970’s and CO-OP since 1986. Hanisch led the technology design for both the CO-OP ATM and Co-OP Shared Branch networks while at Deluxe Data Systems (now FIS). He had the privilege to learn about credit unions from industry icons Tom Griffiths, Robert Rose, Gary Wolters, Carrol Beach, Bill Broxterman, Ed Callahan, Tom Sargent, Rick Craig, Stan Hollen and Pat Jury. 

Prior to CO-OP, Hanisch has served as VP Application Service Provider Services for ACI Worldwide, VP Strategic Planning for USPI, VP Financial Institution Services for Deluxe Data, and VP Electronic Banking at Norwest Bank. He was involved in development of the FIS Connex and ACI Base 24 platforms, formation of several of the early mid-western EFT networks and was a founder and first president of the Diebold-TABS Advisory Group.

Hanisch serves on the board of and is a past chairman of the the Electronic Funds Transfer Association. He is a member of the Federal Reserve Faster Payments Committee. He serves or has served on the boards of RewardsNOW, Early Warning Systems, ResolverGroup, CUATM Services and Everlink.  He graduated from the University of Northern Iowa with a BA in Economics.  He lives in Upland, California with his wife Barb.   

About Mathew Kardell

Chief Revenue Officer Mathew Kardell joined CO-OP in April 2017, Previously, he was Senior Vice President and General Manager (SVP/GM) of STAR Network Relationship and Sales at First Data Corporation. He is a veteran of the payments and financial services industry with more than 25 years in high-performing revenue-generation and business development roles. At First Data, Kardell most recently was responsible for the company’s STAR Network client relationships with merchants and financial Institutions, with network transactions experiencing double-digit percent growth in 2015. Prior to that position, he was SVP/GM of Financial Institution Relationships and New Business Development, managing more than $1 billion in revenue and spanning more than 4,000 financial institutions in North America. In addition, Kardell has extensive experience in the credit union space, having managed those strategic relationships during his tenure at First Data. 

About Shazia Manus

Shazia Manus, formerly CEO of TMG, is CO-OP’s Chief Product and Strategy Officer. Shazia’s experience as a former credit union CEO gives her unique insight into the challenges and opportunities facing financial institutions. An entrepreneur since the age of 17, Shazia’s spirit of innovation helps drive CO-OP’s dedication to delivering a personalized, seamless and secure experience for members wherever and however they engage with their credit union. 

About Samantha Paxson

As Chief Marketing and Experience Officer for CO-OP Financial Services, Samantha Paxson is the architect of the company's go-to-market strategy. 

Paxson focuses on the intersection of technology, creativity, purpose and experience to meet the needs of CO-OP clients and their members. Discovering new ways to make CO-OP one of the most admired and exciting companies is her passion. Specific responsibilities include brand strategy, sales enablement and product/marketing strategy integration, strategic planning and research, consumer user experience development and analysis, and paid/owned/earned media strategy for multiple brands and business lines. 

Joining CO-OP in 2005, Paxson created the THINK initiative, an innovation content platform for the credit union movement. Her background includes working overseas in international public relations, and managing accounts in the technology, automotive, action sports and financial services space for a Southern California marketing agency. Paxson is a graduate of the University of Southern California with a degree in journalism and Social Sciences.

She is also an advisor to the OpenIDEO Challenge on "Financial Empowerment", a board member of USC Credit Union and a board member of Children's Hospital Orange County's Credit Union Committee.

About Kari Wilfong

In July 2006, Kari Wilfong joined CO-OP’s executive team as the Chief Financial Officer. Now serving as Chief Financial Officer/Chief Administrative Officer, Wilfong’s main focus is on financial security, as well as the strategic, organic and future financial growth and development of CO-OP. She is also responsible for the advancement and management of enterprise-wide accounting, finance, information technology, risk management and security. 

Wilfong's duties at CO-OP include extensive experience in acquisitions and investments, most recently with business partners Alkami Technology, Inc., of Plano, Texas, and Finivation, of New York, New York. Wilfong is also a member of Ongoing Operations of Hagerstown, Maryland, and provides financial guidance to other companies in which CO-OP holds a strategic investment. 

Wilfong held various leadership roles at Western National Group and USIWest in Irvine, Calif., and began her career at Frankeberger & Company in 1991 as a Support Staff Accountant. She is a certified public accountant and holds a Bachelor of Arts degree in business administration, with an academic achievement award, from Loyola Marymount University. In 2015, Wilfong completed her Executive MBA from Claremont Graduate University with high honors, focusing on strategy and leadership (separate certificates received for both leadership and strategy).  

Executive Team

CO-OP’s Executive Management Team represents a breadth of payments and financial services expertise in pursuit of a single mission: Helping credit unions thrive.

About Todd Clark

On June 27, 2016, became President/CEO of CO-OP Financial Services, a Rancho Cucamonga, California-based provider of financial technology to credit unions (www.co-opfs.org).

"After a nationwide search for many months, the Board of Directors is delighted to report that Todd will be leading the industry's largest credit union service organization in terms of credit unions and members served," said Jeff Napper, Chairman of the Board of CO-OP, when Clark's appointment was announced. "Todd's extensive 25 years of experience as a proven and well-respected leader in the payments systems industry will benefit and serve credit unions well for many years to come."

Prior to CO-OP, Clark served as SVP/Head of STAR Network and Debit Processing for First Data Corporation, where he had full profit and loss responsibility for the EFT Group. In this capacity, he led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support personnel. Prior to the First Data assignment, Clark was an executive with Cardtronics, Inc., and also served in a prior capacity at First Data from 1991 to 2012.

About Nicholas Calcanes

Chief Information Officer Nick Calcanes joined CO-OP in April 2017 from financial technology solutions provider Fiserv, where he was CIO for Financial Risk Management Solutions. His 25-year career in the financial services industry includes key technology leadership positions as CIO, Wholesale Credit and Client Technology, at Bank of America Corporation and CIO, Global Functions Technology, at Ally Financial. In these roles, Calcanes managed technology strategy and oversaw the IT functions for 1,000-plus person organizations and multi-millions in budgets. His experience includes transforming IT strategy to realign people, processes and technology across business operations, as well as increasing performance outputs. Calcanes’ focus at CO-OP is to elevate CO-OP’s technology strategy and build out infrastructure to continue its transformation as a digital company.

About Jill DeNiro

Jill DeNiro, with 25 years of Human Resources experience in the financial services and healthcare industries, serves as Chief People Officer, heading CO-OP’s Human Resources organization. DeNiro joined CO-OP Financial Services in August 2003.

DeNiro has earned professional designations as a Professional in Human Resources (PHR) from the Human Resources Certification Institute (HRCI), and Certified Compensation Professional (CCP) and Certified Benefits Professional (CBP) from WorldatWork Society of Certified Professionals. She also has a Credit Union Management Certificate from the Western CUNA Management School.

Her work in her profession also includes assisting the HRCI on a national level as an Item Writer, drafting questions for the PHR-CA certification exam. She also served as an Advisor and Treasurer for her local chapter of the Professionals in Human Resources Association (PIHRA). 

Prior to joining CO-OP Financial Services, DeNiro held several Human Resources roles, including Recruitment Manager at Exempla Lutheran Medical Center in Colorado. She also served as Human Resources Manager for Team Rehab.

DeNiro holds a Bachelors of Science degree in Business Management, Human Resources emphasis, from California State Polytechnic University, Pomona. She also attained an Executive MBA degree from Chapman University in Orange, California.

About James Hanisch

James (Jim) Hanisch has more than 35 years experience with credit unions and 40 years experience with payments and technology. Jim serves as Chief Operating Officer and heads the operational areas of the organization. 

Hanisch, an Iowa native, arrived at CO-OP Financial Services in 2000. He has been involved with credit unions since the late 1970’s and CO-OP since 1986. Hanisch led the technology design for both the CO-OP ATM and Co-OP Shared Branch networks while at Deluxe Data Systems (now FIS). He had the privilege to learn about credit unions from industry icons Tom Griffiths, Robert Rose, Gary Wolters, Carrol Beach, Bill Broxterman, Ed Callahan, Tom Sargent, Rick Craig, Stan Hollen and Pat Jury. 

Prior to CO-OP, Hanisch has served as VP Application Service Provider Services for ACI Worldwide, VP Strategic Planning for USPI, VP Financial Institution Services for Deluxe Data, and VP Electronic Banking at Norwest Bank. He was involved in development of the FIS Connex and ACI Base 24 platforms, formation of several of the early mid-western EFT networks and was a founder and first president of the Diebold-TABS Advisory Group.

Hanisch serves on the board of and is a past chairman of the the Electronic Funds Transfer Association. He is a member of the Federal Reserve Faster Payments Committee. He serves or has served on the boards of RewardsNOW, Early Warning Systems, ResolverGroup, CUATM Services and Everlink.  He graduated from the University of Northern Iowa with a BA in Economics.  He lives in Upland, California with his wife Barb.   

About Mathew Kardell

Chief Revenue Officer Mathew Kardell joined CO-OP in April 2017, Previously, he was Senior Vice President and General Manager (SVP/GM) of STAR Network Relationship and Sales at First Data Corporation. He is a veteran of the payments and financial services industry with more than 25 years in high-performing revenue-generation and business development roles. At First Data, Kardell most recently was responsible for the company’s STAR Network client relationships with merchants and financial Institutions, with network transactions experiencing double-digit percent growth in 2015. Prior to that position, he was SVP/GM of Financial Institution Relationships and New Business Development, managing more than $1 billion in revenue and spanning more than 4,000 financial institutions in North America. In addition, Kardell has extensive experience in the credit union space, having managed those strategic relationships during his tenure at First Data. 

About Shazia Manus

Shazia Manus, formerly CEO of TMG, is CO-OP’s Chief Product and Strategy Officer. Shazia’s experience as a former credit union CEO gives her unique insight into the challenges and opportunities facing financial institutions. An entrepreneur since the age of 17, Shazia’s spirit of innovation helps drive CO-OP’s dedication to delivering a personalized, seamless and secure experience for members wherever and however they engage with their credit union. 

About Samantha Paxson

As Chief Marketing and Experience Officer for CO-OP Financial Services, Samantha Paxson is the architect of the company's go-to-market strategy. 

Paxson focuses on the intersection of technology, creativity, purpose and experience to meet the needs of CO-OP clients and their members. Discovering new ways to make CO-OP one of the most admired and exciting companies is her passion. Specific responsibilities include brand strategy, sales enablement and product/marketing strategy integration, strategic planning and research, consumer user experience development and analysis, and paid/owned/earned media strategy for multiple brands and business lines. 

Joining CO-OP in 2005, Paxson created the THINK initiative, an innovation content platform for the credit union movement. Her background includes working overseas in international public relations, and managing accounts in the technology, automotive, action sports and financial services space for a Southern California marketing agency. Paxson is a graduate of the University of Southern California with a degree in journalism and Social Sciences.

She is also an advisor to the OpenIDEO Challenge on "Financial Empowerment", a board member of USC Credit Union and a board member of Children's Hospital Orange County's Credit Union Committee.

About Kari Wilfong

In July 2006, Kari Wilfong joined CO-OP’s executive team as the Chief Financial Officer. Now serving as Chief Financial Officer/Chief Administrative Officer, Wilfong’s main focus is on financial security, as well as the strategic, organic and future financial growth and development of CO-OP. She is also responsible for the advancement and management of enterprise-wide accounting, finance, information technology, risk management and security. 

Wilfong's duties at CO-OP include extensive experience in acquisitions and investments, most recently with business partners Alkami Technology, Inc., of Plano, Texas, and Finivation, of New York, New York. Wilfong is also a member of Ongoing Operations of Hagerstown, Maryland, and provides financial guidance to other companies in which CO-OP holds a strategic investment. 

Wilfong held various leadership roles at Western National Group and USIWest in Irvine, Calif., and began her career at Frankeberger & Company in 1991 as a Support Staff Accountant. She is a certified public accountant and holds a Bachelor of Arts degree in business administration, with an academic achievement award, from Loyola Marymount University. In 2015, Wilfong completed her Executive MBA from Claremont Graduate University with high honors, focusing on strategy and leadership (separate certificates received for both leadership and strategy).  

Executive Team

CO-OP’s Executive Management Team represents a breadth of payments and financial services expertise in pursuit of a single mission: Helping credit unions thrive.

About Todd Clark

On June 27, 2016, became President/CEO of CO-OP Financial Services, a Rancho Cucamonga, California-based provider of financial technology to credit unions (www.co-opfs.org).

"After a nationwide search for many months, the Board of Directors is delighted to report that Todd will be leading the industry's largest credit union service organization in terms of credit unions and members served," said Jeff Napper, Chairman of the Board of CO-OP, when Clark's appointment was announced. "Todd's extensive 25 years of experience as a proven and well-respected leader in the payments systems industry will benefit and serve credit unions well for many years to come."

Prior to CO-OP, Clark served as SVP/Head of STAR Network and Debit Processing for First Data Corporation, where he had full profit and loss responsibility for the EFT Group. In this capacity, he led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support personnel. Prior to the First Data assignment, Clark was an executive with Cardtronics, Inc., and also served in a prior capacity at First Data from 1991 to 2012.

About Nicholas Calcanes

Chief Information Officer Nick Calcanes joined CO-OP in April 2017 from financial technology solutions provider Fiserv, where he was CIO for Financial Risk Management Solutions. His 25-year career in the financial services industry includes key technology leadership positions as CIO, Wholesale Credit and Client Technology, at Bank of America Corporation and CIO, Global Functions Technology, at Ally Financial. In these roles, Calcanes managed technology strategy and oversaw the IT functions for 1,000-plus person organizations and multi-millions in budgets. His experience includes transforming IT strategy to realign people, processes and technology across business operations, as well as increasing performance outputs. Calcanes’ focus at CO-OP is to elevate CO-OP’s technology strategy and build out infrastructure to continue its transformation as a digital company.

About Jill DeNiro

Jill DeNiro, with 25 years of Human Resources experience in the financial services and healthcare industries, serves as Chief People Officer, heading CO-OP’s Human Resources organization. DeNiro joined CO-OP Financial Services in August 2003.

DeNiro has earned professional designations as a Professional in Human Resources (PHR) from the Human Resources Certification Institute (HRCI), and Certified Compensation Professional (CCP) and Certified Benefits Professional (CBP) from WorldatWork Society of Certified Professionals. She also has a Credit Union Management Certificate from the Western CUNA Management School.

Her work in her profession also includes assisting the HRCI on a national level as an Item Writer, drafting questions for the PHR-CA certification exam. She also served as an Advisor and Treasurer for her local chapter of the Professionals in Human Resources Association (PIHRA). 

Prior to joining CO-OP Financial Services, DeNiro held several Human Resources roles, including Recruitment Manager at Exempla Lutheran Medical Center in Colorado. She also served as Human Resources Manager for Team Rehab.

DeNiro holds a Bachelors of Science degree in Business Management, Human Resources emphasis, from California State Polytechnic University, Pomona. She also attained an Executive MBA degree from Chapman University in Orange, California.

About James Hanisch

James (Jim) Hanisch has more than 35 years experience with credit unions and 40 years experience with payments and technology. Jim serves as Chief Operating Officer and heads the operational areas of the organization. 

Hanisch, an Iowa native, arrived at CO-OP Financial Services in 2000. He has been involved with credit unions since the late 1970’s and CO-OP since 1986. Hanisch led the technology design for both the CO-OP ATM and Co-OP Shared Branch networks while at Deluxe Data Systems (now FIS). He had the privilege to learn about credit unions from industry icons Tom Griffiths, Robert Rose, Gary Wolters, Carrol Beach, Bill Broxterman, Ed Callahan, Tom Sargent, Rick Craig, Stan Hollen and Pat Jury. 

Prior to CO-OP, Hanisch has served as VP Application Service Provider Services for ACI Worldwide, VP Strategic Planning for USPI, VP Financial Institution Services for Deluxe Data, and VP Electronic Banking at Norwest Bank. He was involved in development of the FIS Connex and ACI Base 24 platforms, formation of several of the early mid-western EFT networks and was a founder and first president of the Diebold-TABS Advisory Group.

Hanisch serves on the board of and is a past chairman of the the Electronic Funds Transfer Association. He is a member of the Federal Reserve Faster Payments Committee. He serves or has served on the boards of RewardsNOW, Early Warning Systems, ResolverGroup, CUATM Services and Everlink.  He graduated from the University of Northern Iowa with a BA in Economics.  He lives in Upland, California with his wife Barb.   

About Mathew Kardell

Chief Revenue Officer Mathew Kardell joined CO-OP in April 2017, Previously, he was Senior Vice President and General Manager (SVP/GM) of STAR Network Relationship and Sales at First Data Corporation. He is a veteran of the payments and financial services industry with more than 25 years in high-performing revenue-generation and business development roles. At First Data, Kardell most recently was responsible for the company’s STAR Network client relationships with merchants and financial Institutions, with network transactions experiencing double-digit percent growth in 2015. Prior to that position, he was SVP/GM of Financial Institution Relationships and New Business Development, managing more than $1 billion in revenue and spanning more than 4,000 financial institutions in North America. In addition, Kardell has extensive experience in the credit union space, having managed those strategic relationships during his tenure at First Data. 

About Shazia Manus

Shazia Manus, formerly CEO of TMG, is CO-OP’s Chief Product and Strategy Officer. Shazia’s experience as a former credit union CEO gives her unique insight into the challenges and opportunities facing financial institutions. An entrepreneur since the age of 17, Shazia’s spirit of innovation helps drive CO-OP’s dedication to delivering a personalized, seamless and secure experience for members wherever and however they engage with their credit union. 

About Samantha Paxson

As Chief Marketing and Experience Officer for CO-OP Financial Services, Samantha Paxson is the architect of the company's go-to-market strategy. 

Paxson focuses on the intersection of technology, creativity, purpose and experience to meet the needs of CO-OP clients and their members. Discovering new ways to make CO-OP one of the most admired and exciting companies is her passion. Specific responsibilities include brand strategy, sales enablement and product/marketing strategy integration, strategic planning and research, consumer user experience development and analysis, and paid/owned/earned media strategy for multiple brands and business lines. 

Joining CO-OP in 2005, Paxson created the THINK initiative, an innovation content platform for the credit union movement. Her background includes working overseas in international public relations, and managing accounts in the technology, automotive, action sports and financial services space for a Southern California marketing agency. Paxson is a graduate of the University of Southern California with a degree in journalism and Social Sciences.

She is also an advisor to the OpenIDEO Challenge on "Financial Empowerment", a board member of USC Credit Union and a board member of Children's Hospital Orange County's Credit Union Committee.

About Kari Wilfong

In July 2006, Kari Wilfong joined CO-OP’s executive team as the Chief Financial Officer. Now serving as Chief Financial Officer/Chief Administrative Officer, Wilfong’s main focus is on financial security, as well as the strategic, organic and future financial growth and development of CO-OP. She is also responsible for the advancement and management of enterprise-wide accounting, finance, information technology, risk management and security. 

Wilfong's duties at CO-OP include extensive experience in acquisitions and investments, most recently with business partners Alkami Technology, Inc., of Plano, Texas, and Finivation, of New York, New York. Wilfong is also a member of Ongoing Operations of Hagerstown, Maryland, and provides financial guidance to other companies in which CO-OP holds a strategic investment. 

Wilfong held various leadership roles at Western National Group and USIWest in Irvine, Calif., and began her career at Frankeberger & Company in 1991 as a Support Staff Accountant. She is a certified public accountant and holds a Bachelor of Arts degree in business administration, with an academic achievement award, from Loyola Marymount University. In 2015, Wilfong completed her Executive MBA from Claremont Graduate University with high honors, focusing on strategy and leadership (separate certificates received for both leadership and strategy).  

Executive Team

CO-OP’s Executive Management Team represents a breadth of payments and financial services expertise in pursuit of a single mission: Helping credit unions thrive.

About Todd Clark

On June 27, 2016, became President/CEO of CO-OP Financial Services, a Rancho Cucamonga, California-based provider of financial technology to credit unions (www.co-opfs.org).

"After a nationwide search for many months, the Board of Directors is delighted to report that Todd will be leading the industry's largest credit union service organization in terms of credit unions and members served," said Jeff Napper, Chairman of the Board of CO-OP, when Clark's appointment was announced. "Todd's extensive 25 years of experience as a proven and well-respected leader in the payments systems industry will benefit and serve credit unions well for many years to come."

Prior to CO-OP, Clark served as SVP/Head of STAR Network and Debit Processing for First Data Corporation, where he had full profit and loss responsibility for the EFT Group. In this capacity, he led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support personnel. Prior to the First Data assignment, Clark was an executive with Cardtronics, Inc., and also served in a prior capacity at First Data from 1991 to 2012.

About Nicholas Calcanes

Chief Information Officer Nick Calcanes joined CO-OP in April 2017 from financial technology solutions provider Fiserv, where he was CIO for Financial Risk Management Solutions. His 25-year career in the financial services industry includes key technology leadership positions as CIO, Wholesale Credit and Client Technology, at Bank of America Corporation and CIO, Global Functions Technology, at Ally Financial. In these roles, Calcanes managed technology strategy and oversaw the IT functions for 1,000-plus person organizations and multi-millions in budgets. His experience includes transforming IT strategy to realign people, processes and technology across business operations, as well as increasing performance outputs. Calcanes’ focus at CO-OP is to elevate CO-OP’s technology strategy and build out infrastructure to continue its transformation as a digital company.

About Jill DeNiro

Jill DeNiro, with 25 years of Human Resources experience in the financial services and healthcare industries, serves as Chief People Officer, heading CO-OP’s Human Resources organization. DeNiro joined CO-OP Financial Services in August 2003.

DeNiro has earned professional designations as a Professional in Human Resources (PHR) from the Human Resources Certification Institute (HRCI), and Certified Compensation Professional (CCP) and Certified Benefits Professional (CBP) from WorldatWork Society of Certified Professionals. She also has a Credit Union Management Certificate from the Western CUNA Management School.

Her work in her profession also includes assisting the HRCI on a national level as an Item Writer, drafting questions for the PHR-CA certification exam. She also served as an Advisor and Treasurer for her local chapter of the Professionals in Human Resources Association (PIHRA). 

Prior to joining CO-OP Financial Services, DeNiro held several Human Resources roles, including Recruitment Manager at Exempla Lutheran Medical Center in Colorado. She also served as Human Resources Manager for Team Rehab.

DeNiro holds a Bachelors of Science degree in Business Management, Human Resources emphasis, from California State Polytechnic University, Pomona. She also attained an Executive MBA degree from Chapman University in Orange, California.

About James Hanisch

James (Jim) Hanisch has more than 35 years experience with credit unions and 40 years experience with payments and technology. Jim serves as Chief Operating Officer and heads the operational areas of the organization. 

Hanisch, an Iowa native, arrived at CO-OP Financial Services in 2000. He has been involved with credit unions since the late 1970’s and CO-OP since 1986. Hanisch led the technology design for both the CO-OP ATM and Co-OP Shared Branch networks while at Deluxe Data Systems (now FIS). He had the privilege to learn about credit unions from industry icons Tom Griffiths, Robert Rose, Gary Wolters, Carrol Beach, Bill Broxterman, Ed Callahan, Tom Sargent, Rick Craig, Stan Hollen and Pat Jury. 

Prior to CO-OP, Hanisch has served as VP Application Service Provider Services for ACI Worldwide, VP Strategic Planning for USPI, VP Financial Institution Services for Deluxe Data, and VP Electronic Banking at Norwest Bank. He was involved in development of the FIS Connex and ACI Base 24 platforms, formation of several of the early mid-western EFT networks and was a founder and first president of the Diebold-TABS Advisory Group.

Hanisch serves on the board of and is a past chairman of the the Electronic Funds Transfer Association. He is a member of the Federal Reserve Faster Payments Committee. He serves or has served on the boards of RewardsNOW, Early Warning Systems, ResolverGroup, CUATM Services and Everlink.  He graduated from the University of Northern Iowa with a BA in Economics.  He lives in Upland, California with his wife Barb.   

About Mathew Kardell

Chief Revenue Officer Mathew Kardell joined CO-OP in April 2017, Previously, he was Senior Vice President and General Manager (SVP/GM) of STAR Network Relationship and Sales at First Data Corporation. He is a veteran of the payments and financial services industry with more than 25 years in high-performing revenue-generation and business development roles. At First Data, Kardell most recently was responsible for the company’s STAR Network client relationships with merchants and financial Institutions, with network transactions experiencing double-digit percent growth in 2015. Prior to that position, he was SVP/GM of Financial Institution Relationships and New Business Development, managing more than $1 billion in revenue and spanning more than 4,000 financial institutions in North America. In addition, Kardell has extensive experience in the credit union space, having managed those strategic relationships during his tenure at First Data. 

About Shazia Manus

Shazia Manus, formerly CEO of TMG, is CO-OP’s Chief Product and Strategy Officer. Shazia’s experience as a former credit union CEO gives her unique insight into the challenges and opportunities facing financial institutions. An entrepreneur since the age of 17, Shazia’s spirit of innovation helps drive CO-OP’s dedication to delivering a personalized, seamless and secure experience for members wherever and however they engage with their credit union. 

About Samantha Paxson

As Chief Marketing and Experience Officer for CO-OP Financial Services, Samantha Paxson is the architect of the company's go-to-market strategy. 

Paxson focuses on the intersection of technology, creativity, purpose and experience to meet the needs of CO-OP clients and their members. Discovering new ways to make CO-OP one of the most admired and exciting companies is her passion. Specific responsibilities include brand strategy, sales enablement and product/marketing strategy integration, strategic planning and research, consumer user experience development and analysis, and paid/owned/earned media strategy for multiple brands and business lines. 

Joining CO-OP in 2005, Paxson created the THINK initiative, an innovation content platform for the credit union movement. Her background includes working overseas in international public relations, and managing accounts in the technology, automotive, action sports and financial services space for a Southern California marketing agency. Paxson is a graduate of the University of Southern California with a degree in journalism and Social Sciences.

She is also an advisor to the OpenIDEO Challenge on "Financial Empowerment", a board member of USC Credit Union and a board member of Children's Hospital Orange County's Credit Union Committee.

About Kari Wilfong

In July 2006, Kari Wilfong joined CO-OP’s executive team as the Chief Financial Officer. Now serving as Chief Financial Officer/Chief Administrative Officer, Wilfong’s main focus is on financial security, as well as the strategic, organic and future financial growth and development of CO-OP. She is also responsible for the advancement and management of enterprise-wide accounting, finance, information technology, risk management and security. 

Wilfong's duties at CO-OP include extensive experience in acquisitions and investments, most recently with business partners Alkami Technology, Inc., of Plano, Texas, and Finivation, of New York, New York. Wilfong is also a member of Ongoing Operations of Hagerstown, Maryland, and provides financial guidance to other companies in which CO-OP holds a strategic investment. 

Wilfong held various leadership roles at Western National Group and USIWest in Irvine, Calif., and began her career at Frankeberger & Company in 1991 as a Support Staff Accountant. She is a certified public accountant and holds a Bachelor of Arts degree in business administration, with an academic achievement award, from Loyola Marymount University. In 2015, Wilfong completed her Executive MBA from Claremont Graduate University with high honors, focusing on strategy and leadership (separate certificates received for both leadership and strategy).  

Executive Team

CO-OP’s Executive Management Team represents a breadth of payments and financial services expertise in pursuit of a single mission: Helping credit unions thrive.

About Todd Clark

On June 27, 2016, became President/CEO of CO-OP Financial Services, a Rancho Cucamonga, California-based provider of financial technology to credit unions (www.co-opfs.org).

"After a nationwide search for many months, the Board of Directors is delighted to report that Todd will be leading the industry's largest credit union service organization in terms of credit unions and members served," said Jeff Napper, Chairman of the Board of CO-OP, when Clark's appointment was announced. "Todd's extensive 25 years of experience as a proven and well-respected leader in the payments systems industry will benefit and serve credit unions well for many years to come."

Prior to CO-OP, Clark served as SVP/Head of STAR Network and Debit Processing for First Data Corporation, where he had full profit and loss responsibility for the EFT Group. In this capacity, he led a team of more than 600 product, strategy, communications, strategic sales, technology, operations and support personnel. Prior to the First Data assignment, Clark was an executive with Cardtronics, Inc., and also served in a prior capacity at First Data from 1991 to 2012.

About Nicholas Calcanes

Chief Information Officer Nick Calcanes joined CO-OP in April 2017 from financial technology solutions provider Fiserv, where he was CIO for Financial Risk Management Solutions. His 25-year career in the financial services industry includes key technology leadership positions as CIO, Wholesale Credit and Client Technology, at Bank of America Corporation and CIO, Global Functions Technology, at Ally Financial. In these roles, Calcanes managed technology strategy and oversaw the IT functions for 1,000-plus person organizations and multi-millions in budgets. His experience includes transforming IT strategy to realign people, processes and technology across business operations, as well as increasing performance outputs. Calcanes’ focus at CO-OP is to elevate CO-OP’s technology strategy and build out infrastructure to continue its transformation as a digital company.

About Jill DeNiro

Jill DeNiro, with 25 years of Human Resources experience in the financial services and healthcare industries, serves as Chief People Officer, heading CO-OP’s Human Resources organization. DeNiro joined CO-OP Financial Services in August 2003.

DeNiro has earned professional designations as a Professional in Human Resources (PHR) from the Human Resources Certification Institute (HRCI), and Certified Compensation Professional (CCP) and Certified Benefits Professional (CBP) from WorldatWork Society of Certified Professionals. She also has a Credit Union Management Certificate from the Western CUNA Management School.

Her work in her profession also includes assisting the HRCI on a national level as an Item Writer, drafting questions for the PHR-CA certification exam. She also served as an Advisor and Treasurer for her local chapter of the Professionals in Human Resources Association (PIHRA). 

Prior to joining CO-OP Financial Services, DeNiro held several Human Resources roles, including Recruitment Manager at Exempla Lutheran Medical Center in Colorado. She also served as Human Resources Manager for Team Rehab.

DeNiro holds a Bachelors of Science degree in Business Management, Human Resources emphasis, from California State Polytechnic University, Pomona. She also attained an Executive MBA degree from Chapman University in Orange, California.

About James Hanisch

James (Jim) Hanisch has more than 35 years experience with credit unions and 40 years experience with payments and technology. Jim serves as Chief Operating Officer and heads the operational areas of the organization. 

Hanisch, an Iowa native, arrived at CO-OP Financial Services in 2000. He has been involved with credit unions since the late 1970’s and CO-OP since 1986. Hanisch led the technology design for both the CO-OP ATM and Co-OP Shared Branch networks while at Deluxe Data Systems (now FIS). He had the privilege to learn about credit unions from industry icons Tom Griffiths, Robert Rose, Gary Wolters, Carrol Beach, Bill Broxterman, Ed Callahan, Tom Sargent, Rick Craig, Stan Hollen and Pat Jury. 

Prior to CO-OP, Hanisch has served as VP Application Service Provider Services for ACI Worldwide, VP Strategic Planning for USPI, VP Financial Institution Services for Deluxe Data, and VP Electronic Banking at Norwest Bank. He was involved in development of the FIS Connex and ACI Base 24 platforms, formation of several of the early mid-western EFT networks and was a founder and first president of the Diebold-TABS Advisory Group.

Hanisch serves on the board of and is a past chairman of the the Electronic Funds Transfer Association. He is a member of the Federal Reserve Faster Payments Committee. He serves or has served on the boards of RewardsNOW, Early Warning Systems, ResolverGroup, CUATM Services and Everlink.  He graduated from the University of Northern Iowa with a BA in Economics.  He lives in Upland, California with his wife Barb.   

About Mathew Kardell

Chief Revenue Officer Mathew Kardell joined CO-OP in April 2017, Previously, he was Senior Vice President and General Manager (SVP/GM) of STAR Network Relationship and Sales at First Data Corporation. He is a veteran of the payments and financial services industry with more than 25 years in high-performing revenue-generation and business development roles. At First Data, Kardell most recently was responsible for the company’s STAR Network client relationships with merchants and financial Institutions, with network transactions experiencing double-digit percent growth in 2015. Prior to that position, he was SVP/GM of Financial Institution Relationships and New Business Development, managing more than $1 billion in revenue and spanning more than 4,000 financial institutions in North America. In addition, Kardell has extensive experience in the credit union space, having managed those strategic relationships during his tenure at First Data. 

About Shazia Manus

Shazia Manus, formerly CEO of TMG, is CO-OP’s Chief Product and Strategy Officer. Shazia’s experience as a former credit union CEO gives her unique insight into the challenges and opportunities facing financial institutions. An entrepreneur since the age of 17, Shazia’s spirit of innovation helps drive CO-OP’s dedication to delivering a personalized, seamless and secure experience for members wherever and however they engage with their credit union. 

About Samantha Paxson

As Chief Marketing and Experience Officer for CO-OP Financial Services, Samantha Paxson is the architect of the company's go-to-market strategy. 

Paxson focuses on the intersection of technology, creativity, purpose and experience to meet the needs of CO-OP clients and their members. Discovering new ways to make CO-OP one of the most admired and exciting companies is her passion. Specific responsibilities include brand strategy, sales enablement and product/marketing strategy integration, strategic planning and research, consumer user experience development and analysis, and paid/owned/earned media strategy for multiple brands and business lines. 

Joining CO-OP in 2005, Paxson created the THINK initiative, an innovation content platform for the credit union movement. Her background includes working overseas in international public relations, and managing accounts in the technology, automotive, action sports and financial services space for a Southern California marketing agency. Paxson is a graduate of the University of Southern California with a degree in journalism and Social Sciences.

She is also an advisor to the OpenIDEO Challenge on "Financial Empowerment", a board member of USC Credit Union and a board member of Children's Hospital Orange County's Credit Union Committee.

About Kari Wilfong

In July 2006, Kari Wilfong joined CO-OP’s executive team as the Chief Financial Officer. Now serving as Chief Financial Officer/Chief Administrative Officer, Wilfong’s main focus is on financial security, as well as the strategic, organic and future financial growth and development of CO-OP. She is also responsible for the advancement and management of enterprise-wide accounting, finance, information technology, risk management and security. 

Wilfong's duties at CO-OP include extensive experience in acquisitions and investments, most recently with business partners Alkami Technology, Inc., of Plano, Texas, and Finivation, of New York, New York. Wilfong is also a member of Ongoing Operations of Hagerstown, Maryland, and provides financial guidance to other companies in which CO-OP holds a strategic investment. 

Wilfong held various leadership roles at Western National Group and USIWest in Irvine, Calif., and began her career at Frankeberger & Company in 1991 as a Support Staff Accountant. She is a certified public accountant and holds a Bachelor of Arts degree in business administration, with an academic achievement award, from Loyola Marymount University. In 2015, Wilfong completed her Executive MBA from Claremont Graduate University with high honors, focusing on strategy and leadership (separate certificates received for both leadership and strategy).