Meet the GEMCOR Team - Decades of Dedication!

Steve Berry, Vice President of GEMCOR, Inc., began his financial aid career in 1988 as a Financial Aid Officer at the corporate office of a multi-campus school system in the Chicagoland area.  Steve’s reliability, deep knowledge, and strong work ethic quickly earned him a promotion to Financial Aid Director, overseeing all campuses within the organization.  In 1992, Steve brought his experience to GEMCOR, joining as a Senior Financial Aid Administrator. Over the decades, he has held several key roles, including - Office Manager and Director - before stepping into his current position as Vice President in the early 2000's.

As Vice President, Steve oversees general office management, provides technical support and training for both clients and staff, and manages GEMCOR’s Grant Processing and Accounting departments.  He also handles client SAIG account management, audit and program review consulting, and daily support for Federal Student Aid (FSA) questions. With nearly five decades of experience in FSA Administration, Steve’s expertise is unmatched in most areas of the industry.

Laurie Westberg, Chief Information Officer, began writing code for GEMCOR in 1996. Today she serves as the company’s CIO, holding a Master's Degree in Computer Science from Governors State University.  Throughout her tenure, Laurie played a pivotal role in transitioning GEMCOR to full automation, helping shape the technological backbone of the organization. She oversees all computer operations and systems related to GEMCOR's proprietary TEAM and TRAX Software Applications, ensuring seamless functionality and innovation. Laurie truly powers our progress! 

In addition to her programming expertise, Laurie also manages all hardware systems, phone infrastructure, remote access capabilities, and data backup and security operations.  She is proficient in VB, .NET, and C++, and she has been an “A+” asset to GEMCOR from day one.    Laurie is deeply committed to making sure every team member is functionally "Having a Great Day at GEMCOR" - every day! #HAGDAG

Outside of work, Laurie enjoys spending time with her grandkids, golfing, and caring for her plants. She finds her role especially rewarding because of the constant challenges posed by evolving regulations in the industry. Her coworkers describe her as driven, tough, and dedicated—qualities that shine through in her prompt and reliable approach to client service. She starts each day with her favorite ritual—coffee and silence—setting the tone for focused and productive work.

Megan Refness, Director of Federal Direct Student Loans, began her career in the financial aid industry with limited knowledge of the complex administrative requirements involved in federal student aid. She joined GEMCOR in 2005 as an administrative assistant and quickly demonstrated the initiative and aptitude to grow into a staff loan processor. Over the following years, Megan deepened her understanding of the statutes, regulations, and compliance standards governing federal student loan programs.

In 2010, federal legislation eliminated lenders and guarantee agencies from the student loan process, leading to a significant expansion of the Federal Direct Student Loan (FDSL) program. Megan embraced the opportunity to lead this evolving department at GEMCOR, stepping into a management role with confidence and expertise. Today, she and her team oversee the processing and administration of approximately $100 million in student loan volume annually, while also providing training and support to clients navigating the federal aid landscape. With her extensive experience in federal aid administration and her collaborative, team-oriented approach to client services, Megan is a trusted and respected leader among both colleagues and clients.

This year marks Megan’s 20th anniversary at GEMCOR—a milestone that reflects her deep dedication to both the company and it's clients. She genuinely loves working with GEMCOR’s diverse client base and feels fortunate to collaborate with an incredible team of coworkers. Known for giving her all in everything she does, Megan is committed to finding answers and solutions, even when they’re not immediately available. Outside of work, her world revolves around family. She and her husband stay busy following their two sports-loving kids from game to game, always accompanied by their very spoiled dog, Daisy.

Terrah Griffin, Director of Marketing & Innovation, joined GEMCOR in 2010 while completing her Bachelor's Degree at St. Xavier University in Illinois. Over the next 15 years, she became a key member of the Computer Operations and IT Department. In 2025, Terrah transitioned into the role of Director of Marketing & Innovation, where she now leads GEMCOR’s efforts to enhance brand visibility, client engagement, and operational efficiency through innovative solutions. She oversees the development and execution of strategic marketing initiatives across digital and social media platforms, ensuring consistent and impactful messaging.

Terrah plays a key role in client onboarding and training, creating resources and experiences that empower schools to navigate Federal Student Aid processes with confidence. She also drives innovation through automation and process improvement, identifying opportunities to streamline workflows and improve service delivery. Her role bridges creativity and technology, and she works collaboratively across departments to align marketing, client services, compliance, and technology in support of GEMCOR’s mission and growth. In addition to her marketing responsibilities, Terrah continues to manage GEMCOR’s 1098-T division, leading the annual preparation and electronic filing of 1098-T data to ensure accuracy and compliance for client institutions.

What Terrah finds most rewarding about her work is the opportunity to help schools support students in achieving their educational goals—making a meaningful impact behind the scenes. Her approach to problem-solving is rooted in cross-department collaboration, believing that teamwork not only leads to better solutions but also strengthens the organization as a whole. Her passion lies in empowering teams with the tools and knowledge they need to succeed, fostering a culture of continuous improvement.

Outside of work, Terrah enjoys spending quality time with her family, cheering on her kids at sporting events, taking their family dog on neighborhood walks, practicing yoga, nurturing her houseplants, and exploring personal development.

Steve Berry, Vice President of GEMCOR, Inc., began his financial aid career in 1988 as a Financial Aid Officer at the corporate office of a multi-campus school system in the Chicagoland area.  Steve’s reliability, deep knowledge, and strong work ethic quickly earned him a promotion to Financial Aid Director, overseeing all campuses within the organization.  In 1992, Steve brought his experience to GEMCOR, joining as a Senior Financial Aid Administrator. Over the decades, he has held several key roles, including - Office Manager and Director - before stepping into his current position as Vice President in the early 2000's.

As Vice President, Steve oversees general office management, provides technical support and training for both clients and staff, and manages GEMCOR’s Grant Processing and Accounting departments.  He also handles client SAIG account management, audit and program review consulting, and daily support for Federal Student Aid (FSA) questions. With nearly five decades of experience in FSA Administration, Steve’s expertise is unmatched in most areas of the industry.

Niki Mazur, Federal Pell Grant Officer, brings a well-rounded background in school administration to GEMCOR. Prior to joining the team, she spent ten years as the Financial Aid Director at a Federal Student Aid (FSA) eligible school in northern Illinois. Like many professionals at smaller institutions, Niki wore multiple hats—balancing her responsibilities as an administrator and instructor. Her firsthand experience with accreditation reviews and site visits adds a valuable perspective to her role at GEMCOR.

At GEMCOR, Niki’s primary responsibilities include processing Federal Grant awards, managing documents through ShareFile, and conducting eligibility file reviews. Her deep understanding of both school operations and Federal Aid compliance makes her a trusted resource for clients navigating the complexities of the Pell Grant program.

Outside of work, Niki enjoys spending time outdoors, especially boating, and finds fulfillment volunteering with her Certified Therapy Dog, Porter. One of her proudest achievements is earning the title of Master Educator through Milady during her time as an instructor. Clients working with Niki can expect a detail-oriented and dedicated partner who is committed to helping them find answers with patience and care. She values the collaborative nature of client relationships, viewing them as shared efforts in navigating the complexities of financial aid. A favorite memory from her time at GEMCOR is the full-circle moment of joining the team—having once relied on GEMCOR’s support as a financial aid administrator herself, she now takes pride in offering that same guidance to others. Her ideal day starts with exercise and a strong cup of coffee, ready to tackle whatever comes her way.

Megan Refness, Director of Federal Direct Student Loans, began her career in the financial aid industry with limited knowledge of the complex administrative requirements involved in federal student aid. She joined GEMCOR in 2005 as an administrative assistant and quickly demonstrated the initiative and aptitude to grow into a staff loan processor. Over the following years, Megan deepened her understanding of the statutes, regulations, and compliance standards governing federal student loan programs.

In 2010, federal legislation eliminated lenders and guarantee agencies from the student loan process, leading to a significant expansion of the Federal Direct Student Loan (FDSL) program. Megan embraced the opportunity to lead this evolving department at GEMCOR, stepping into a management role with confidence and expertise. Today, she and her team oversee the processing and administration of approximately $100 million in student loan volume annually, while also providing training and support to clients navigating the federal aid landscape. With her extensive experience in federal aid administration and her collaborative, team-oriented approach to client services, Megan is a trusted and respected leader among both colleagues and clients.

This year marks Megan’s 20th anniversary at GEMCOR—a milestone that reflects her deep dedication to both the company and it's clients. She genuinely loves working with GEMCOR’s diverse client base and feels fortunate to collaborate with an incredible team of coworkers. Known for giving her all in everything she does, Megan is committed to finding answers and solutions, even when they’re not immediately available. Outside of work, her world revolves around family. She and her husband stay busy following their two sports-loving kids from game to game, always accompanied by their very spoiled dog, Daisy.

Michele Campbell, Federal Direct Student Loan Officer, began her journey at GEMCOR in 2009 as an Administrative Assistant, where she supported daily data processing and general office operations. In 2010, following the Congressional shift from the FFEL program to Direct Loans, Michele transitioned into a dual role—supporting both general operations and the newly established Federal Direct Student Loan (FDSL) Department. As the volume of Direct Loan activity rapidly increased, Michele dedicated herself fully to helping clients navigate the evolving landscape of Federal Student Aid.

Michele oversees the daily processing of FDSL loan awards for GEMCOR’s client institutions. Her extensive knowledge of the program allows her to assist clients with virtually any aspect of student eligibility and loan management. Megan and Michele combine to offer the highest level of support and guidance in managing their FDSL program activity.

What Michele enjoys most about her role is the ever-changing nature of the industry, which keeps her mind sharp and engaged. Outside of work, she finds joy in yard work, spending time with her three dogs, and being with family and friends. Her favorite part about working at GEMCOR is the people—colleagues who make every day enjoyable. Michele is also passionate about woodworking, a hobby that reflects her hands-on, creative spirit. Clients working with Michele can expect dedication and a genuine commitment to helping them find the answers they need. Among her favorite memories at GEMCOR are the spontaneous snowball fight in the office and the unforgettable Christmas parties at Blackhawks games—moments that highlight the fun and camaraderie of the GEMCOR team.

Jacki Griffin, Verification Officer, has been a key part of GEMCOR’s federal aid administration team since 2010. Over the years, she has become one of the most trusted and reliable resources for verification and C-code compliance. Through her work in the Compliance Department, Jacki reviews student eligibility issues daily, with a focus on verification and C code resolution. Her extensive experience also proves invaluable in handling professional judgment cases, dependency overrides, and documentation of high school graduation.

Jacki is the go-to expert for pre-packaging guidance and provides professional support in areas such as FAFSA processing, ISIR corrections, and a wide range of file compliance matters.

Outside of work, Jacki enjoys spending quality time with her family, tending to her garden and houseplants, and—of course—sipping coffee all day long. Her favorite part about working at GEMCOR? The laughter shared with coworkers and clients, which makes every day a little brighter.

Sue Berry, Compliance Officer, began her career in administration in 1987, working in the corporate offices of a multi-campus chain of schools and hair salons after earning her Bachelor's degree from Northern Illinois University. She joined GEMCOR in 2011, bringing her extensive experience to the field of Federal Student Aid (FSA) administration. In this unique and ever-evolving industry, Sue’s role has grown alongside her skills in program management, organization, and client support. Her professionalism is matched by her patience and compassion, which she brings to every client interaction—especially when guiding them through complex and often painstaking compliance obligations.

As a Compliance Officer, Sue is responsible for conducting periodic file reviews to confirm student eligibility for FSA funds based on documentation provided by schools. Working collaboratively with institutions, she helps ensure that on-campus processes are performed in a compliant and consistent manner. In addition to file reviews, Sue provides expert support with verification and C code resolution, and offers technical assistance with GEMCOR’s secure document portal, ShareFile. Sue also plays a critical role in the timely and accurate updating of bi-monthly Enrollment Roster Reporting for the National Student Loan Data System (NSLDS). Her deep understanding of NSLDS—a centralized database that tracks Title IV loans and grants throughout their lifecycle—makes her an invaluable resource for maintaining compliance with federal regulations. Whether it’s aid approval, disbursement, repayment, or closure, Sue is a skilled navigator of the NSLDS system and a trusted partner to GEMCOR’s clients.

What Sue enjoys most about her work is building meaningful relationships with clients—engaging with them, guiding them through complex processes, and ensuring they feel truly valued. Outside of work, she loves spending time with her husband, children, grandchildren, and friends, and occasionally enjoys a round of golf. Her favorite part about working at GEMCOR is the people: Don, who she describes as the best boss hands-down, her supportive team of co-workers, and the incredible clients she serves. Sue is proud of her 35-year marriage and the close bond she shares with her three adult children, who still love spending time and vacationing with her. Clients working with Sue can expect a dedicated partner who is genuinely committed to finding solutions and providing accurate, helpful information. She values the collaborative nature of client relationships, viewing them as true partnerships in the ever-changing world of financial aid. Sue also fondly remembers the Chicago Blackhawks limousine trips Don organized for the team at Christmas—some of her favorite memories at GEMCOR. Her ideal morning starts simply: with a strong cup of black coffee and a readiness to help.

Niki Mazur, Federal Pell Grant Officer, brings a well-rounded background in school administration to GEMCOR. Prior to joining the team, she spent ten years as the Financial Aid Director at a Federal Student Aid (FSA) eligible school in northern Illinois. Like many professionals at smaller institutions, Niki wore multiple hats—balancing her responsibilities as an administrator and instructor. Her firsthand experience with accreditation reviews and site visits adds a valuable perspective to her role at GEMCOR.

At GEMCOR, Niki’s primary responsibilities include processing Federal Grant awards, managing documents through ShareFile, and conducting eligibility file reviews. Her deep understanding of both school operations and Federal Aid compliance makes her a trusted resource for clients navigating the complexities of the Pell Grant program.

Outside of work, Niki enjoys spending time outdoors, especially boating, and finds fulfillment volunteering with her Certified Therapy Dog, Porter. One of her proudest achievements is earning the title of Master Educator through Milady during her time as an instructor. Clients working with Niki can expect a detail-oriented and dedicated partner who is committed to helping them find answers with patience and care. She values the collaborative nature of client relationships, viewing them as shared efforts in navigating the complexities of financial aid. A favorite memory from her time at GEMCOR is the full-circle moment of joining the team—having once relied on GEMCOR’s support as a financial aid administrator herself, she now takes pride in offering that same guidance to others. Her ideal day starts with exercise and a strong cup of coffee, ready to tackle whatever comes her way.

Laurie Westberg, Chief Information Officer, began writing code for GEMCOR in 1996. Today she serves as the company’s CIO, holding a Master's Degree in Computer Science from Governors State University.  Throughout her tenure, Laurie played a pivotal role in transitioning GEMCOR to full automation, helping shape the technological backbone of the organization. She oversees all computer operations and systems related to GEMCOR's proprietary TEAM and TRAX Software Applications, ensuring seamless functionality and innovation. Laurie truly powers our progress! 

In addition to her programming expertise, Laurie also manages all hardware systems, phone infrastructure, remote access capabilities, and data backup and security operations.  She is proficient in VB, .NET, and C++, and she has been an “A+” asset to GEMCOR from day one.    Laurie is deeply committed to making sure every team member is functionally "Having a Great Day at GEMCOR" - every day! #HAGDAG

Outside of work, Laurie enjoys spending time with her grandkids, golfing, and caring for her plants. She finds her role especially rewarding because of the constant challenges posed by evolving regulations in the industry. Her coworkers describe her as driven, tough, and dedicated—qualities that shine through in her prompt and reliable approach to client service. She starts each day with her favorite ritual—coffee and silence—setting the tone for focused and productive work.

Terrah Griffin, Director of Marketing & Innovation, joined GEMCOR in 2010 while completing her Bachelor's Degree at St. Xavier University in Illinois. Over the next 15 years, she became a key member of the Computer Operations and IT Department. In 2025, Terrah transitioned into the role of Director of Marketing & Innovation, where she now leads GEMCOR’s efforts to enhance brand visibility, client engagement, and operational efficiency through innovative solutions. She oversees the development and execution of strategic marketing initiatives across digital and social media platforms, ensuring consistent and impactful messaging.

Terrah plays a key role in client onboarding and training, creating resources and experiences that empower schools to navigate Federal Student Aid processes with confidence. She also drives innovation through automation and process improvement, identifying opportunities to streamline workflows and improve service delivery. Her role bridges creativity and technology, and she works collaboratively across departments to align marketing, client services, compliance, and technology in support of GEMCOR’s mission and growth. In addition to her marketing responsibilities, Terrah continues to manage GEMCOR’s 1098-T division, leading the annual preparation and electronic filing of 1098-T data to ensure accuracy and compliance for client institutions.

What Terrah finds most rewarding about her work is the opportunity to help schools support students in achieving their educational goals—making a meaningful impact behind the scenes. Her approach to problem-solving is rooted in cross-department collaboration, believing that teamwork not only leads to better solutions but also strengthens the organization as a whole. Her passion lies in empowering teams with the tools and knowledge they need to succeed, fostering a culture of continuous improvement.

Outside of work, Terrah enjoys spending quality time with her family, cheering on her kids at sporting events, taking their family dog on neighborhood walks, practicing yoga, nurturing her houseplants, and exploring personal development.

Tyler Westberg, Information Technology Programmer, joined GEMCOR in 2024 while completing his bachelor's degree requirements at Northern Illinois University with a major in Computer Science. As an associate in the Computer Operations and IT Department, Tyler's responsibilities include maintenance of in-house computer applications, TEAM user maintenance, email distribution list management, and ShareFile support and user maintenance.

Tyler contributes to GEMCOR's in-house programming updates and maintenance. He works in conjunction with Chief Information Officer, Laurie Westberg, and Information Technology & Computer Operations Officer Terrah Griffin.

Outside of work, Tyler enjoys staying active—whether it’s working out, golfing, or playing pickleball. He thrives on movement and competition, always looking for ways to challenge himself physically. What he enjoys most about his role at GEMCOR is the constant opportunity to learn and grow. He approaches each task with curiosity and creativity, finding innovative solutions to problems and pushing himself to think outside the box.

Brett Porter, After Hours Operations Data Specialist, joined GEMCOR in 2025 with a strong academic and technical background in software engineering and data science. He holds a Bachelor's degree in Computer Science from Governors State University, where he maintained a perfect 4.0 GPA, and is currently working on his Master's Degree requirements from GSU. His technical expertise spans Python, Java, SQL, HTML/CSS, JavaScript, and C++, with specialized skills in data analysis. Brett founded and presides over the Software Engineering Club and serves as Vice President in several student organizations, including the Student Senate and Tau Sigma Honor Society.

At GEMCOR, Brett supports software development, data integration, and emerging technology initiatives. He works in conjunction with Chief Information Officer, Laurie Westberg, and Information Technology & Computer Operations Officers Terrah Griffin & Tyler Westberg.

Outside of work, Brett enjoys staying active through sports like volleyball, basketball, and ultimate frisbee—anything that keeps him moving and engaged. He’s inspired by the quote, “The measure of intelligence is the ability to change,” by Albert Einstein, which reflects his belief in adaptability and growth. Brett is especially passionate about increasing accessibility and opportunities for the intellectually disabled community, advocating for inclusion and support in meaningful ways.