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Leadership

Allen Amadin is the President and Chief Executive Officer of American Consumer Credit Counseling (ACCC), a national nonprofit organization dedicated to helping individuals and families achieve financial stability through credit counseling, debt management, housing counseling, and financial education.

Since becoming President and CEO in 2021, he has focused on advancing ACCC’s mission while supporting the organization’s continued growth and organizational development. Today, ACCC serves more than 40,000 active clients nationwide and facilitates more than $250 million in annual payments to creditors on behalf of consumers. Under his leadership, the organization has continued to invest in technology, digital capabilities, operational excellence, and leadership development to better serve consumers.

Allen joined ACCC in 2000 and has more than 25 years of experience with the organization. Throughout his tenure, he has held leadership positions across multiple disciplines, including credit counseling, operations, finance, and information technology. Prior to becoming President and CEO, he served as Director of Information Technology, where he led ACCC’s technology strategy and oversaw the organization’s information systems and technology infrastructure. Earlier in his career, he managed ACCC’s Counseling Center, overseeing client service operations and counselor development.

Allen is committed to advancing ACCC’s mission by expanding access to trusted financial counseling and education and empowering individuals and families to achieve long-term financial well-being.

Tracey Macomber has been with ACCC since 2001 and is responsible for working with the board of directors and executive team to develop and enforce policies and objectives for the organization to ensure it maintains its values and meets established goals.  She is currently serving as the corporate Treasurer to ensure fiscal responsibility in fulfillment of ACCC’s mission.

Tracey is responsible for industry relations with creditors, regulators, and trade association professionals, compliance with established regulatory and industry requirements and best practices, and all aspects of quality assurance, including the maintenance of COA Accreditation as part of ACCC’s membership with the National Foundation for Credit Counseling.  Also, Tracey manages creditor guidelines and policies and has responsibility for grant and fair share funding applications.

Carlos Osornio is the Chief Operating Officer at American Consumer Credit Counseling (ACCC), bringing more than 20 years of leadership experience across operations, technology, client service, risk management, and organizational transformation within the financial services industry.

Throughout his career, Carlos has led large-scale operational and service organizations, helping companies strengthen execution, improve the client experience, modernize technology and workflows, and build scalable operating models that support long-term growth. Most recently, he served as Head of Operations & Service at Cambridge Savings Bank, where he led enterprise operational transformation initiatives across operations, client service, technology, and risk functions.

Prior to Cambridge Savings Bank, Carlos held leadership roles at Santander Bank, where he built and scaled a dedicated commercial client service and implementation organization supporting commercial, small business, and business banking clients nationwide. He has also held leadership and technology roles focused on operations, automation, digital transformation, and organizational development.

Carlos is passionate about building strong teams, creating operational clarity, and fostering collaborative, mission-driven cultures. He believes successful organizations are built through transparency, accountability, innovation, and a strong focus on both the employee and client experience.

As Chief Operating Officer, Carlos will support ACCC’s continued growth and operational evolution by strengthening organizational infrastructure, enhancing operational effectiveness, supporting cross-functional alignment, and helping scale the organization to serve more individuals and families nationwide.

Pinali is the Chief Financial Officer at American Consumer Credit Counseling (ACCC), bringing more than 25 years of global finance leadership experience across strategic finance, forecasting and analytics, operational transformation, M&A support, business partnering, and team development.

Throughout her career, Pinali has led large global teams, partnered closely with executive leadership, and helped organizations strengthen financial planning, improve operational performance, and scale with clarity and confidence. She is known for combining strong financial acumen with a people-first leadership style, turning data into strategy and helping teams make informed, effective decisions.

As Chief Financial Officer, Pinali supports ACCC’s financial strategy, planning, and organizational growth. Her leadership focuses on strengthening financial operations, supporting cross-functional collaboration, simplifying complexity, and building a culture of accountability, transparency, and partnership.

Pinali is passionate about mentoring talent, developing high-performing teams, and creating an environment where collaboration and sound financial discipline work together to advance the organization’s mission.

Ashley Fisher is the Director of Information Technology at American Consumer Credit Counseling (ACCC) and has been with the organization since 2013.

As Director of Information Technology, Ashley leads ACCC’s technology strategy and oversees the organization’s infrastructure, applications, and cybersecurity programs. Reporting to the Chief Operating Officer, she is responsible for the IT department’s budget, vendor relationships, and systems integration. Her work centers on keeping ACCC’s technology scalable, secure, and aligned with the organization’s mission of serving clients nationwide.

Prior to joining ACCC, Ashley gained experience in banking and accounting. She began her career at ACCC as a Financial Analyst before becoming Quality Assurance Supervisor. In 2017, she joined the IT department as a Business Analyst, progressing to IT Manager and now Director of Information Technology.

Ashley earned her bachelor’s degree in Business from Framingham State University and her MBA, including a graduate certificate in Project Management, from Southern New Hampshire University. She is currently pursuing an IT Leadership certificate through UC Berkeley.

Kenneth Mohammed is the Director of Client Management for ACCC and has been with ACCC since 2007. Kenneth began as a Credit Counselor and currently oversees the Counseling Center. His responsibilities include in-depth staff training and managing the day-to-day operations of the Counseling Center and Client Services Department. He is certified through The National Foundation for Credit Counseling (NFCC).

Prior to joining ACCC, Kenneth was employed by Aegis Lending as a mortgage Lender. He started as a mortgage broker in 2005 and was named the Branch Manager of the Waltham, MA location in 2006. Before Aegis Lending, he was the controller of a mutual fund compliance firm Automated Business Development (ABD) in Charlestown, MA from 2001 to 2005

Kenneth graduated from Boston College’s Carroll School of Management with a degree in Finance.

Katie Ross has been with American Consumer Credit Counseling (ACCC) since 2002 and leads the organization’s marketing strategy, growth, and consumer engagement initiatives.

Katie oversees ACCC’s marketing strategy, lead generation, brand, consumer education, performance analytics, and marketing investment priorities. She works closely with leadership and cross-functional teams to align marketing initiatives with organizational goals, strengthen consumer engagement, and expand awareness of ACCC’s nonprofit mission and financial education services nationwide.

Prior to joining ACCC, Katie served as Director of Marketing & Development at Flight Time Corporation, a Boston-based provider of premium air charter management and online air charter booking services. In that role, she managed worldwide marketing initiatives, events, and promotional programs for business, leisure, corporate, and sports travel clients.

Throughout her career at ACCC, Katie has held leadership roles spanning marketing, strategy, consumer education, grant programming, and organizational development. Her experience has contributed to initiatives that have strengthened the organization’s outreach, supported long-term growth, and expanded access to trusted financial education and counseling services.

Donna Conley is the Vice President and Disbursement Manager and has been with ACCC since 1993. As Vice President, Donna assists the Chief Executive Officer with the day-to-day operations and assists with the strategic planning and growth of the organization. She also plays an instrumental role in management development and corporate direction.

As Disbursement Manager, Donna is responsible for making sure all funds are received and disbursed appropriately and that payments are made to creditors in a timely manner. She has also been highly involved in improving and updating the process of disbursing client funds multiple times per month, as well as coordinating any reporting improvements to better meet accuracy standards.

Donna holds a Credit Counseling Certification through the Association for Financial Counseling and Planning Education and the National Institute for Financial Education. For more than fifteen years, she has served as Clerk of ACCC’s Board of Directors assisting with meetings, documentation, and reporting.

Prior to joining ACCC, she worked for John Hancock Mutual Life Insurance Company as a Sales Analyst for more than eight years. Donna also has extensive work experience in accounting and tax-related issues.