our team

Senior Leadership

Wanda P. Hardy

President & Chief Executive Officer

Wanda P. Hardy, President & CEO of the Financial Wellness Institute, is a renowned and highly decorated financial educator and consultant.  She has conducted numerous classes, workshops and seminars in the Delaware Valley area, instructing thousands of individuals and families in making informed financial decisions.  An American Association of Family & Consumer Science Certified Personal & Family Finance Educator (CPFFE) and certified FDIC Money Smart Trainer and Instructor, she has trained bank staff members, social service agency, nonprofit organization and government agency personnel to deliver financial education programs specifically geared to their needs.

A champion of issues impacting the economic health of the community, Ms. Hardy is a Trustee for Jefferson Health Foundation, New Jersey and the Community Foundation of South Jersey. She is Chair of the Board of Directors for the Nonprofit Development Center of Southern New Jersey. In addition, she serves on the Board of Directors for Wells Fargo Regional Foundation and Community Development Corp.

Ms. Hardy is a graduate of Columbia University School of Business for Nonprofit Management and holds both a Bachelor of Science degree and an Executive Master’s degree in Business Administration (EMBA) from St. Joseph’s University.


Board of Trustees

Crystal Dundas

Crystal Dundas is Vice President of Corporate Communications for Wells Fargo Bank.  In this role she provides internal and external communications leadership for Central New Jersey, Southern New Jersey and the Delaware Valley.  Prior that she served as the Program and Communications officer for the Wells Fargo Regional Foundation where she oversaw the Foundation’s communications and media relations and made grant recommendations to the board.  Crystal joined the Foundation in 2008 from UBS Financial Services where she served as grant manager for Wealth Management corporate contributions and UBS Foundation USA.  Prior to her work at UBS, Crystal spent four years running job readiness and financial literacy programs for youth in the City of Philadelphia. 


Crystal is the former co-chair of the Steering Committee of Emerging Practitioners in Philanthropy’s (EPIP) Philadelphia chapter and a former current member of the Board of Harambee Charter School.   Crystal holds a BS in economics from the University of Pennsylvania’s Wharton School of Business.

Robert Juliano

Robert Juliano joined WSFS Bank, formerly Beneficial Bank in 1996 in the Consumer Lending department, bringing over 30 years of financial services experience to the Bank. In 2007, Juliano was appointed to serve as Beneficial’s Director of Corporate Giving & Financial Literacy. Before joining Beneficial, he previously held the position of Credit Analyst at Germantown Savings Bank.


At WSFS Bank, Juliano is responsible for administering and coordinating the Bank’s Corporate Giving, Volunteer and Financial Literacy Programs. He oversees The WSFS Community Foundation, leading grant funding and interacting with local non-profit organizations.


He currently serves on the Boards of Holy Family Home/Little Sisters of the Poor, Entrepreneur Works, Roman Catholic High School, Prayers Unite the World and The Catholic Philopatrian Literary Institute. Juliano also serves on the Urban Affairs Coalition’s Community and Economic Development Committee, Mercy Vocational High School’s Advancement Committee and the Archbishop’s Christmas Benefit for Children Planning Committee.


Juliano holds a Bachelor of Arts degree from St. Charles Seminary and a Certificate of Communication for Professionals from the University of Pennsylvania.

Tiffanie Talley-Baines is a VP, Branch Manager at JP Morgan Chase Bank.  She has been a people manager for twenty plus years, and finds much joy in coaching, developing and influencing those around her.  Tiffanie has been awarded several awards for her delivery from various institutions such as League of Excellence, Diamond Club and recently recognized for Black Excellence by TD Bank.  She actively serves as the Ambassador for Advancing Black Pathways - an initiative by JP Morgan Chase that builds on the existing efforts to help the black community chart stronger paths towards economic success and empowerment. Tiffanie is from South Jersey, but spends most days in the City of Brotherly Love. Tiffanie is a member of the Urban League (Philadelphia) and serves as a Board member for Youthbuild Philadelphia Charter School, which gives young adults an opportunity to earn a high schools diploma while focusing on a vocational track. 

Tiffanie Talley-Baines

Darrin W. Gould,

Darrin W. Gould is currently Vice President and Senior Business Banking Officer at Columbia Bank. Darrin began his career with the Philadelphia Stock Exchange and then moved onto Toys R Us as a Human Resources Manager. He spent nearly ten years in retail and performed nearly every function imaginable.  After leaving retail, Darrin worked for almost a decade primarily with Hewlett Packard in the computer industry and had several position including Marketing Manager, Technical and Sales Trainer, and Regional Manager.  Over the last two decades, he has had several leadership roles within the financial services industry.

Darrin has worked with many non-profits over the years, including Big Brothers Big Sisters, Girl Scouts of Southern New Jersey, and Food Bank of South Jersey to name a few. He has volunteered as a High School Youth leader for his church, Robotics competition judge, and Professional Resume and Dress advisor. Darrin holds a Bachelor of Science with a dual Major in Finance and Marketing from Drexel University.

Robin Todd


Advisory Board

Mariya A. Burnell

Mariya A. Burnell is the Vice President, Community Development Manager with TD Bank, N.A., supporting the New Jersey and Pennsylvania markets. She is passionate about identifying the needs of the communities and finding solutions to expand the services and improve the lives of their low- and moderate-income residents. Prior to joining TD Bank, Mariya worked in the CRA/community development field at Sun National Bank and held the position of CRA Officer at Beneficial Bank. She has a Juris Doctor degree from the University of Maine School of Law; and a bachelor's degree in International Economic Relations from the University of Economics, Varna – Bulgaria. Mariya is licensed to practice law in the State of New Jersey and the Commonwealth of Pennsylvania.

She is fluent in Bulgarian.

Lawrence M. DiVietro Jr.

Lawrence DiVietro is the President and CEO of Land Dimensions Engineering; and also a Licensed Professional Planner, certified by the American Institute of Certified Planners and registered in New Jersey. Larry began his career in civil and site development engineering in the mid-1970s with the founding of his company. Over the past 38 years, the company has grown; providing land use design consulting throughout the southern New Jersey Region. Land Dimensions Engineering is a highly sought-after land use planning and site development design company recognized by both private and public sector interests. The firm has completed project designs for commercial, residential, recreational, and mixed-use developments throughout the Delaware Valley region.

Theresa DiVietro

Theresa DiVietro, co-owner of Land Dimensions Engineering, serves in the capacity of Vice President of Marketing and Business Development. In 2001, Theresa founded LTD Unlimited, for the purpose of making real estate investments into communities undergoing downtown revitalization. She became actively involved in economic development and was appointed to the board of the Glassboro Economic Development Corporation. In 2003, Theresa became a Trustee on the Board of The Community Foundation of South Jersey, a public charity which was formed as a conduit for philanthropy and is exclusively devoted to meeting the needs of the eight counties that comprise the South Jersey region.

Mark Hodges

Mark Hodges is a former Senior Vice President of Corporate Operations for Hovnanian Enterprises, one of the nation’s largest publicly traded homebuilding companies. He joined the company as VP for Quality and served as VP of Operations for the company’s largest operating Region encompassing New Jersey, New York and Pennsylvania. Mark founded a multi-program non-profit foundation and served as Executive Director for two years. He raised nearly $2 Million to support the foundation’s programs; including the St. Joseph Carpenter Society, a non-profit housing developer which has built or rehabilitated nearly 1000 homes in the City of Camden and surrounding areas. Mark now consults with homebuilders across the U.S., helping them to plan for growth and to achieve high levels of operating excellence.

James Huynh

James C. Huynh is an Assistant Vice President of Planning Design and Construction at Jefferson Health New Jersey.  Jim joined Jefferson Health NJ, formerly Kennedy Health System in 2001, and provides 
leadership for all phases of project development and oversees the construction process.  Mr. Huynh joined Kennedy Health from JCH Consulting where he served as Principal/Architect since 1996, a role which involved creation of schematic floor plans, program requirements, conceptual site planning, zoning/building codes analysis and all other aspects of project management.  Mr. Huynh served as Production Manager/Architect/Project Coordinator for BLM Architects in Bala Cynwyd, PA, along with former positions with Bartley Bronstein Long Mirenda Architects and Smith Kline & French Laboratories in Philadelphia, PA.  Mr. Huynh holds a Bachelor of Architecture from Temple University.

Amy M. Kearney

Amy M. Kearney is a Partner at Archer Attorneys at Law, located in Haddonfield, New Jersey. Ms. Kearney counsels clients on all aspects of the acquisition, disposition, development, financing and leasing of commercial real estate; representing both lenders and borrowers. Licensed to practice in New Jersey, New York, and Pennsylvania, Kearney regularly represents landlords and tenants in the negotiation and documentation of real estate leases of office, warehouse, shopping center and retail space. Ms. Kearney is a graduate of the Villanova University School of Law and has a Bachelor of Science in Business Administration from Monmouth University.

John Poliero

Coming Soon

Wanda I. Saez

Wanda I. Saez is a Senior Vice President with Wells Fargo’s Corporate Responsibility and Community Relations Group, serving the New York, New Jersey and Connecticut markets. As a 23-year veteran in the community development and relations field, she helps to manage relationships with community groups, activists, small businesses, nonprofit organizations, local governments and community leaders. Fluent in Spanish, Wanda completed the Boston College Corporate Citizenship Leadership Academy. She holds a Master’s degree in Business Administration from the University of Phoenix, CFP certification from New York University and a bachelor’s degree in Business Administration from Baruch College, City University of New York.

Carolyn Zumpino

Carolyn Zumpino is the sitting President of Triad Associates, with an extensive background in real estate finance, insurance, and project management. Triad, which has generated nearly $1 Billion in funding for its clients over the past 40 years, offers a full suite of community and economic development, housing and strategic planning solutions. Zumpino has a passion for helping communities thrive and is devoted to identifying solutions that promote revitalization and growth. This is evident in her ability to transform community visions into viable projects. Committed to growing and promoting Triad’s reputation as the premiere Community and Economic Development Consulting firm in the region, Zumpino plans, with the support of her team, to expand upon the foundation that has been established over the last 4 decades.


Daniel Mak, Esq., Secretary

Daniel Mak, Esquire is an international tax attorney and is barred in New Jersey and Pennsylvania. He is currently employed by a mid-size regional corporate tax services firm, Global Tax Management, where he focuses on providing international tax planning, compliance and quantitative services to multinational corporate clients. Daniel's professional and educational experience is rooted in the accounting, finance, and tax areas. He deeply supports financial literacy and advocacy for under-served communities, including significant time as a Volunteer Income Tax Assistance project coordinator while attending Rutgers School of Law - Camden.

Rita T. Wood, M. Ed, Secretary

Rita is a Certified Family and Consumer Sciences professional with a Bachelor of Science in Home Economics from Villa Maria College, and a Master of Education in Adult Education from Rutgers University. Ms. Wood was the Family and Consumer Sciences Educator of Burlington County for over 32 years, using a variety of delivery methods to educate consumers about financial management. She holds the rank of Professor Emerita from the Department of Family and Consumer Sciences for Rutgers University of New Jersey. Through the execution of professional papers and presentations at both the national and international levels, Rita is known for advocating the development of a global perspective toward Family and Consumer Sciences programming. Ms. Wood has served as a consultant to university departments in Australia, New Zealand, Caribbean and Canada.