USE Credit Union Names New Leadership Team: COO, CFO, CMO and CRO

Press Room

SAN DIEGO, Calif. (Dec. 17, 2021) USE Credit Union (USECU) is pleased to announce its senior leadership team consisting of the Chief Operating Officer, Chief Financial Officer, Chief Marketing Officer and Chief Risk Officer. The appointments include promotions within the organization to place an emphasis on continuity and progress for membership, digital services, compliance, and operations.

“USECU’s senior leadership team is committed to working tirelessly to find the best ways to serve our members and communities,” said Todd Tharp, USECU’s President and Chief Executive Officer. “The changes within the team allow USECU to maintain its commitment to our members while positioning the credit union to be a purpose-driven leader in digital banking now and into the future. It will be my privilege to serve with them as CEO.”

Matt Lyons promoted to Executive Vice President, Chief Operating Officer
Matt Lyons joined USE Credit Union as its Chief Lending Officer in 2017 and has two decades of experience building strong and agile teams, creating new products, leading enterprise-wide process improvements, and building stable portfolios for a broad range of financial services firms. He’s also overseen several other areas of USECU operations, including central operations, payments and ATMs.  In addition to overall operations, including branches and contact center, Lyons will also oversee the credit union’s technology group to better incorporate technology into USECU’s business operations.

Margarita Guerra promoted to Senior Vice President, Chief Financial Officer
Margarita Guerra has more than two decades working with financial institutions and brings a diversified background in accounting and banking operations. Prior to joining USECU as its Assistant Vice President of Accounting in 2016, she was Controller for Welk Resorts and worked in accounting for AmericanWest Bank and Randolph-Brooks Federal Credit Union in Texas. Guerra will be directly responsible for accounting and financial reporting as well as overseeing financial, budgetary, treasury, business intelligence, and investment management functions.

Amber Fielder promoted to Senior Vice President, Chief Marketing Officer
Amber Fielder has been with USECU as Vice President of Marketing for more than two years. Fielder has deep experience in credit union, agency and corporate marketing, and an impressive record for building and leading high-performing, award-winning teams. Fielder holds CUNA’s Credit Union Certified Marketing Executive designation and will be responsible for marketing, member growth and retention, corporate communications, including public relations and community involvement, digital services, investment services and general/facility services.

Charlie Williams promoted to Senior Vice President, Chief Risk Officer
Charlie Williams has been with USECU as Vice President of Enterprise Risk Management and Compliance for nearly three years. Williams has been working in banking and bank consulting for more than 38 years with branch operations, internal audit and risk management experience. Williams will be responsible for enterprise-wide governance, risk and compliance.

About USE Credit Union

Founded in 1936, University & State Employees Credit Union (USECU) empowers nearly 60,000 members to achieve financial wellness through a full range of financial products and services, including checking and savings options, credit cards, loans, mortgages, investments and more. USECU now has more than $1 billion in assets and offers accessibility to its members through eight branches in California, nearly 30,000 surcharge-free ATMs across the nation and 24/7 Online and Mobile Banking access.

USECU membership is open to all Californians who live, work or worship in Alameda County, Sacramento County, San Diego County, Santa Clara County and Yolo County. As a not-for-profit community leader, USECU partners with causes, events and organizations that reflect a commitment to health, wellness and inclusiveness. Learn more at

About Pacific Communications Group

Pacific Communications Group (PCG) is a Torrance, Calif.-based integrated marketing agency with an emphasis in public/media relations, crisis communications, advertising, event management and brand development. PCG assists clients in the automotive, consumer goods, financial services and insurance industries. Visit for more information.

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