Leadership Team


Bonnie Ciuffo
CPA, CIA President, SCF Solutions

Bonnie joined South Carolina Federal Credit Union in 1994 as the Director of Internal Audit. After leading the credit union’s core processing conversion in 1996, she was asked and agreed to move to the position of CIO where she served until 2012.

In 2011, she was appointed to President of SCF Solutions, LLC where she leads a team of Executive Directors for various product lines to include Investments, Insurance, Benefits, and Indirect Lending.

Bonnie considers herself a “jack of all trades” with emphasis in technology, data analysis, knowledge management, accounting, finance, project management, compliance, credit union operations, business performance management and mergers & acquisitions.

Bonnie’s leadership and foresight is continually called upon, and she has served on a number of professional boards such as the Board of Directors for the FiServ Summit Users Group for 6 years, and their Audit Committee for a number of years. She also served on the Information Technology Advisory Group for PSCU for several years.

In 2012, the National Association of Federal Credit Unions (NAFCU) named Bonnie Professional of the Year.

Committed to the local community, Bonnie was instrumental in the creation of the South Carolina Federal Credit Union Foundation. She served as its Chairman for three years. She now serves as the treasurer. Bonnie also serves on the Trident United Way Financial Review Council.

Bonnie holds certifications in public accounting (CPA), internal auditing (CIA) and a BS in Accounting from Clemson University. Bonnie is married with two step children and two 4-legged children.

Rick Gunter
Rick Gunter
Executive Director, Insurance Solutions

Rick Gunter, CLU, ChFC, LTCP, has over 30 years of experience in sales and management in the financial services industry. He has recruited, trained, and supervised agents and registered representatives for major financial services firms in Charlotte, NC and Charleston, SC. Since 2002 he has worked with individuals, businesses, and retirees on insurance and retirement planning. He has a Bachelor’s degree from Furman University and holds earned professional designations in insurance planning, financial planning, and long-term care. He is a frequent public speaker on financial topics and has given presentations across the U.S. and in Europe.

Rick is available to South Carolina Federal Credit Union members – and non-members – to provide advice and education as well as offering a variety of insurance solutions, including life insurance, vision, dental, long-term care, disability, and Medicare supplements.

Rick resides in Charleston with his wife Nancy; he has two grown children and one grandchild.

Rick Kirkpatrick
Executive Director of Agency Operations, CLU, LUTCF, FSS 

Rick Kirkpatrick has more than 35 years of experience in sales, management, and the financial services industry. He was a Million Dollar Roundtable qualifier his first year in business and then moved into management. Rick is licensed in both life and Property and Casualty insurance. He also has his securities license.

Rick is serving the life and disability insurance needs with SCF Solutions. He meets face-to-face with members and non-members to help provide solutions to their insurance needs.

Rick and his wife Dianna are very involved in their church. They have been part of the Serve Team for over 10 years. They also lead a small group of married couples within their church and have done so for more than six years. Their group works with several charitable organizations, such as Habitat for Humanity, The Ronald McDonald House and Lowcountry Orphan Relief. 

Rick lives on Daniel Island with his wife. He is the proud father of three grown children and three grandchildren. In his spare time he enjoys hunting, fishing, golfing, boating, and spending time with his family.

james fede
James W. Fede
President, Benefits Solutions

James W. Fede (Jim) joined the SCF Solutions team in 2013 as the President of Benefit Solutions, LLC. With over 30 years of experience in the employee benefits field, Jim is a master at leveraging his extensive industry knowledge for the benefit of his clients.

In 1999, Jim redirected his passion and industry expertise to focus on the creation of his own Employee Benefit Consulting firm, Innova Plan Strategies, LLC. Jim has saved businesses millions of bottom line dollars with a major focus on Welfare & Defined Benefit and Defined Contribution plans.

Jim builds relationships and conducts business through client successes, crafting benefit programs that are a win for both human resources and finance departments. He delivers value and innovative solutions by transforming the mechanisms through which employers attract, retain and compensate top-quality talent.

SCF Solutions purchased Innova Plan Strategies, LLC in late 2013, thereby expanding the means and opportunity for providing high quality, competitive, and needs-based employee benefit products and programs to small businesses and credit unions throughout the Southeast. As President of Benefit Solutions, Jim continues to negotiate, educate, and advocate for his clients to satisfy their needs and exceed expectations.

Jim holds a Bachelor of Arts degree from Kent State University. He presently serves as an Elder at Forest Hill Church.

Jim and his wife, Dineen, have four children and a beloved family dog named Bella.

SCF Solutions, member of the South Carolina Federal Credit Union’s family of service organizations