Meet the Team

Get to know us

PASSION: Everyone at Customers Bank understands the importance of helping our customers reach their financial goals and supporting community organizations that are focused on improving the quality of life for our neighbors. Many of our Team Members can be found in the Bank every day but we are also out in the neighborhood helping organizations in need.

Click below to learn a little more about some of our Team Members and their passions. Our Team Members are racecar drivers, horse jumpers, musicians, artists and more.

Krista Arndt

Assistant Vice President, Information Security Operations, Corporate Security Group

Tad Brannon

Vice President, Assistant Loan Administration Manager and Loan Operations Manager

Nerissa Dunn

Benefits and Payroll Administrator

AnNette Hines

Executive Assistant to the President and Chief Operating Officer



Just like learning the ins and outs of fine tuning a racecar, you have to learn the ins and outs of network security and always be prepared for new challenges.

Krista Arndt
Assistant Vice President, Information Security Operations, Corporate Security Group

What does the Department of Defense, a national auto racing association and a bank have in common?
Meet Krista Arndt.

After spending several years working for the Department of Defense, Krista joined Customers Bank where she currently works in the corporate security group. She is also one of a growing number of female race car drivers.

“One of the biggest takeaways I have found from racing that crosses over to my professional career is what defines failure, success and winning for me. In 2015, I was involved in a bad racing accident that cut my season short. It taught me that when you run into a major obstacle, it’s only a failure if you allow it to defeat you.”

Krista recently completed her first full heads up season in the National Mustang Racing Association (NMRA) and placed 7th, a huge success considering she almost stopped racing in 2015. Krista applies the principles she learned as a racecar driver to her role at the bank and realizes that if you can turn a situation into a learning experience, it’s a win. She uses these principles to create positive experiences for coworkers, in the community and even for strangers.

“In the racing industry, nothing ever goes smoothly . . . you have to respond to less than perfect circumstances, think out of the box, constantly change or adapt your thinking; you’re always learning. In that aspect, racing has prepared me mentally for working in network security. Just like learning the ins and outs of fine tuning a racecar, you have to learn the ins and outs of network security and always be prepared for new challenges.”

Krista and her husband built her racecar from the ground up in their garage. The long hours, dedication, educational experiences and insight gained from doing all of the fabrication, assembly, etc. helped her cultivate many skills that she in turn brings back into the workplace—patience, problem solving, logical reasoning, leadership, decision making and more.

It’s no surprise that Krista is active in the car community, but she also takes time to focus on autism awareness initiatives by bringing enthusiasts from both groups together to form a support system. Something that never would have happened if she hadn’t had the courage to get back into a racecar.



“There is a correlation between theater and working in the banking industry and in general management practices that most people would not expect. In theater you are always performing live and in the moment . . . you have to be prepared because anything can happen. In business and in banking, as well as in management, you have to be nimble on your feet and be able to adjust on the fly.”

Tad Brannon
Vice President, Assistant Loan Administration Manager and Loan Operations Manager

During his high school years, Tad grew up playing baseball and basketball and expected to follow a career path that would utilize his athletic prowess until he threw out his shoulder. Tad’s brother introduced him to high school theater, which provided him the opportunity to continue working on a team while pursuing a completely different path. That path led to Tad receiving a full scholarship for musical theater where he pursued an emphasis on acting and a tap-dancing minor. After graduation, Tad was selected to join the second largest children’s theater company in the nation. He has performed on national tours and was part of a performance group that was honored with a Kennedy Center Award in recognition for a children’s program that focused on increasing awareness and preventing child abuse.

Tad uses his ability to think on his feet, developed while performing in front of hundreds of children, to perform his daily responsibilities at work.

“There is a correlation between theater and working in the banking industry and in general management practices that most people would not expect. In theater you are always performing live and in the moment . . . you have to be prepared because anything can happen. In business and in banking, as well as in management, you have to be nimble on your feet and be able to adjust on the fly.”

One of Tad’s proudest professional moments was being voted the top student in his Dale Carnegie Training class, by his peers.



“From the moment I started, I realized how everyone is focused on supporting one another . . . both professionally and personally. Everyone at the bank, is the type of individual you would seek out to build a friendship with.”

Nerissa Dunn
Benefits and Payroll Administrator

When not at work, Nerissa can be found competing as a body builder or volunteering in the community.

Having grown up playing sports, Nerissa always had an athletic build. So when a friend suggested she try body building, Nerissa took up the challenge. Nerissa was unsure when her friend encouraged to enter her first body building competition, but again she arose to the challenge and earned 3rd place in her first body building show.

“Being a body builder has taught me a lot about myself and has provided me with training that translates to a work environment as well. It has taught me the importance of hard work, how to inspire others and how to build confidence in one’s self. It also taught me to give my all in everything that I do and that by doing so, I will be rewarded.”

Nerissa uses her positive mental attitude when volunteering in the community. She inspires others to live better lives and to have hope in the future. She is truly a shining example of how you receive more happiness in giving than you do in receiving.

Nerissa joined Customers Bank in July of 2018. In her role as a benefits and payroll administrator, she enjoys working with everyone from the Bank’s CEO to the newest hires. It was important to Nerissa to find an organization that fosters a culture of trust.

“From the moment I started, I realized how everyone is focused on supporting one another . . . both professionally and personally. Everyone at the bank, is the type of individual you would seek out to build a friendship with.”



“Being in a group of connected people to experience life is much
more fun than anything I could experience on my own.”

AnNette Hines
Executive Assistant to the President and Chief Operating Officer

AnNette personifies this belief in her daily life, both at work and outside of the office as part of the gospel group, Doxa. She is grateful for the blessing of blending voices and working together to build something beautiful that brings balance to life. As part of Doxa, AnNette has shared their message and music on the national stage. Doxa also performed the finale concert at the Boscov’s Berks Jazz Fest.

AnNette works closely with Customers Bank’s president, Richard Ehst, and is very appreciative of how her role has helped her become aware of how major decisions are made at the Bank that effect the business, Team Members, customers and all of the personal connections.

“It is extremely satisfying to be part of the culture of an innovative company, focused on helping others, that disrupts traditional business. Everyone here cares deeply not just about our Team Members, but about our customers and the communities as well. The heart of the company is alive and tangible.”

Eugene (Tony) Mercado

Marketing Content & Community Outreach Manager

Alex Pabellon

Manager and Assistant Vice President, Accounting Policy and SEC Reporting

Jackie Patterson

Head Teller, Hamilton Office

James Sanders

Vice President, Commercial & Industrial Lending



“There are no egos, everyone is very giving, everybody wants to grow, we’re all very driven . . . and we all want to see our communities thrive.”

Eugene (Tony) Mercado
Marketing Content & Community Outreach Manager

“Working for an innovative company that disrupts traditional business practices and believes in a high-tech, high-touch approach has enabled me to communicate in new ways
with more people to help businesses and customers understand
the products and benefits we provide.”

Outside of work, Tony is equally as passionate . . . about guitars. Tony has always enjoyed the music industry and artists relations—meeting new people, helping them grow, making the introductions needed for them to succeed—all skills that mirror his work at Customers Bank to support and build community initiatives.

Tony uses his film production background and skills he learned working for NBC Studios, Universal and Paramount to support the Bank’s marketing efforts. He is also active in the Bank’s efforts to teach financial literacy to students.

Tony’s favorite part of working for Customers Bank is the genuine willingness of everyone to support the community.

“There are no egos, everyone is very giving, everybody wants to grow, we’re all very driven . . . and we all want to see our communities thrive.”


“One of the best experiences I have had with music is being invited on stage during the Bank’s holiday party to perform two songs and a four-part harmony. The enthusiasm of the co-workers, who are used to seeing me in a certain role, was amazing! It was a great way to share a special part of myself with everyone . . . and their appreciation was astonishing!”


Alex Pabellon
Manager and Assistant Vice President, Accounting Policy and SEC Reporting

Alex enjoys playing the guitar and writing songs, as well as the creative freedom it provides to express himself. He likes that song writing enables him to share a part of himself that is intimate and special with the world. Alex, who is left-handed, learned how to play the guitar by flipping it upside down, which is how he still plays to this day.

“One of the best experiences I have had with music is being invited on stage during the Bank’s holiday party to perform two songs and a four-part harmony. The enthusiasm of the co-workers, who are used to seeing me in a certain role, was amazing! It was a great way to share a special part of myself with everyone . . . and their appreciation was astonishing!”

Alex uses his writing abilities to create financial statements and reports that are available to the public. He enjoys how his financial expertise has enabled him to feel like a partner to the business and leadership team.

“Financial statements go through a lot of reviews and approvals, they are public, it is a financial story about the company. Writing these reports takes a lot of effort and passion and they become a part of you. It really is like writing and releasing a song. You created something and then set it free for the public to enjoy.”



“Being part of these organizations has been personally rewarding as you are able to see the direct benefits they have in the community.”

Jackie Patterson
Head Teller, Hamilton Office

Jackie joined Customers Bank on December 12, 2012. Jackie uses her ‘whatever it takes’ work ethic developed while growing up on a farm in New Jersey to ensure that customers’ expectations are not only met but exceeded.

Jackie is a strong believer in work hard, play hard. She started riding horses when she was only 4 years old and would show in regional horse shows. She still does demonstrations and can be seen riding at Horse Park of New Jersey and in regional parades. She is an active member of a trail riding club and enjoys camping with club members and the horses.

“Growing up we had to do our chores first on Christmas morning and then we could enjoy the holiday with family. That work ethic has always stuck with me and has helped me be successful at Customers Bank. I’m always willing to do whatever it takes to ensure a positive outcome for our customers.”

Jackie is also very active in the community. She recently completed an appointment as the President of the Kiwanis Club of Hamilton Township, and currently serves on the executive board for both the Millstone Township Fire Department’s Ladies Auxiliary and the Ladies Auxiliary of the New Jersey State Fireman’s Association.

“Being part of these organizations has been personally rewarding as you are able to see the direct benefits they have in the community.”


“It’s exciting to work with a diverse group of Team Members every day that are focused on creating solutions for clients. Regardless of whether we are working on deals worth hundreds of millions of dollars or helping small nonprofit organizations, working with smart, intelligent and
intuitive customers is always rewarding.”


James Sanders
Vice President, Commercial & Industrial Lending

As part of the commercial and industrial lending team, James helps business owners, entrepreneurs, financiers and other clients meet their goals. He also provides leadership skills to help them navigate and overcome complex business issues.

“It’s exciting to work with a diverse group of Team Members every day that are focused on creating solutions for clients. Regardless of whether we are working on deals worth hundreds of millions of dollars or helping small nonprofit organizations, working with smart, intelligent and
intuitive customers is always rewarding.”

James is also an adjunct professor at Temple University and the President of the Fox School of Business Alumni Association. He has taught HR Management courses and enjoys bringing real world experiences into the classroom and creating interactive learning experiences for his students. He uses his experience playing football for Virginia State University to teach his students the difference between reading the playbook and putting on the pads and playing the game.

In addition to his involvement with the Alumni Association, James is a board member of The Enterprise Center and is the President of the Board of The Enterprise Center Capital Corporation. He is also the Vice Chairman of the Board and Secretary of Mu Omega Foundation of Delaware Valley Inc.

Wendy Sharetts

Assistant Vice President, Associate Counsel, Legal Department

Dominic Woolfrey

Associate IT Operations Manager

Jim Zardecki

Senior Vice President of Special Projects


“It’s never too late to explore, chase or discover your passion in life.”


Wendy Sharetts
Assistant Vice President, Associate Counsel, Legal Department

Some people are constant learners and spend much of their lives striving to learn new things, while others seem to know what they wanted to do from an early age. Wendy Sharetts is one of those unique individuals that followed both paths.

At an early age, Wendy wanted to be an attorney and expressed that desire to anyone who would listen to her. The result was almost always the same . . . people would tell her that’s not what you want to do.

Wendy started her career as a home economics teacher. She enjoyed working with the students and helping them learn. She transitioned that experience into a research and development opportunity working for a national consumer products brand where she worked closely with consumers, scientists and chemists to test products and determine what customers liked best. Wendy went on to work in the food and beverage industry and then went to work for a grocery store chain where she launched the first in-store cooking school.

All of Wendy’s career choices provided puzzles, opportunities for discovery and ways to bring people help. Skills she knew would be key attributes for an attorney. While living in Pennsylvania, and working for a bank, one day Wendy decided she needed to know if she could have become an attorney.

Wendy took a leap of faith to follow her true passion. She studied at night for the LSAT while working and resigned to go back to school when she was accepted into law school. At this point in her career, most of Wendy’s classmates were not even half her age. Needless to say, Wendy graduated from law school and is now pursuing her dream of being an attorney.

“Throughout my career, when I look back, I notice that I gravitated toward opportunities that allowed me to work with people in ways I could help them. Helping people to me is a buffet of ice cream. You have different flavors, textures and tastes, but the ingredients are all the same.”

Wendy is also active in the community and uses her personal passion to give a voice and help to people who think they don’t have one. She currently serves on the board of a nonprofit geared toward women who are homeless and have children.



“It’s all about gaining knowledge and bringing back a skill you can incorporate in everyday life. My end goal is to build my own house and my travels have helped me learn important skills to be able to fulfill that dream.”

Dominic Woolfrey
Associate IT Operations Manager

These days everyone is connected to digital devices 24/7, which is exactly what you would expect from an IT person as well. But that’s not the case for Dominic Woolfrey.

For the last 17 years, Dominic has enjoyed being a potter. He needed something away from a computer screen that provided him the opportunity to unwind. Dominic also learned another benefit of pottery . . . he hasn’t had to buy cups, mugs, plates or bowl in years.

Dominic is also very active in the community and is the Board Chair for JUNTA for Progressive Action, as well as a board member of FISH of Greater New Haven.

Dominic enjoys working in IT because of the opportunity to fix and resolve issues, but he is just as happy to be traveling and engaging new cultures around the world. While traveling through Oaxaca, Mexico, Dominic learned how to throw clay the old fashion way. Potters there would turn a wooden wheel on bearings with one hand while working the clay with the other. Dominic has also learned metalworking and carpentry and is planning on learning glassblowing next.

“It’s all about gaining knowledge and bringing back a skill you can incorporate in everyday life. My end goal is to build my own house and my travels have helped me learn important skills to be able to fulfill that dream.”



“Customers Bank provides a tremendous opportunity for individuals with initiative and the drive to get involved in the business and culture of the Bank. I love the fast-paced entrepreneur atmosphere and working with a wide variety of professionals that continually creates strong challenges that we convert into great opportunities.”

Jim Zardecki
Senior Vice President of Special Projects

Along with his strong work ethic, Jim is a dedicated family man who keeps his family as the centerpiece of his life and enjoys his time with his wife and children. Two quotes you will often hear from Jim are: “Health and Family first” and “You never get a second chance to see your kids grow up. Don’t miss it!” He also enjoys being outside at his property in the mountains, where he likes to spend time with his son working around his land tilling fields and creating food plots for hunting.

Jim has been a mainstay at Customers Bank and really enjoys working with people. He likes the challenges presented by helping individuals deal with everyday issues and conflicts to create positive solutions.

He states his feelings very strongly about the Bank: “Customers Bank provides a tremendous opportunity for individuals with initiative and the drive to get involved in the business and culture of the Bank. I love the fast-paced entrepreneur atmosphere and working with a wide variety of professionals that continually creates strong challenges that we convert into great opportunities.”

Jim started working at Customers Bank at its inception in 2009 as a consultant with a background in security fraud and investigations. He was also the chief county detective in Luzerne County before entering the banking industry. Jim uses his experience to work with Team Member Services and the executive management on conflict management resolution and solutions.