Annette Kalinowski

Annette Kalinowski is an experienced professional in the financial services industry, currently serving as the Director of Payment Operations and Member Experience at PenFed Credit Union since November 2012, after previously holding the position of Senior Manager of Member Experience. Annette has a strong background in business development and marketing, having worked as Vice President of Business Development at F&M Bank and Vice President of Marketing and Business Development at Fort Campbell Federal Credit Union. Additionally, Annette volunteered as Branch Manager on the Tenn-Tucky Advisory Board for the Better Business Bureau of Middle Tennessee. Annette's career began at Westamerica Bank as a Customer Service Manager. Annette holds a degree from The University of Georgia, acquired between 1995 and 1998.