Board of Directors

Denise Davis, President

Denise Davis is owner of Davis and Memmo Financial Group.  Helping guide you toward a secure financial future! This is the mission of Davis and Memmo Financial Group. We focus on personal and business solutions for your financial success! Our 4-point approach helps guide you to create a financial strategy that provides the protection and flexibility to live the way you want to live.

Meggan Ciaccia, Immediate Past President

Meggan L. Ciaccia, CPA, is a Shareholder of Ciaccia, P.A. With over 18 years of diversified accounting experience, she enjoys the variety of work she does and loves working with so many different clients and industries. She is passionate about helping business owners in all stages of growth. She is a licensed CPA in New Jersey and is a CGMA, Chartered Global Management Accountant.

Meggan is also a Shareholder, with two other women, in Beyond Strategy Partners, Inc, a consulting company focusing on business strategy, growth, leadership development, and problem solving. Meggan runs Girl Power, an empowerment program for girls in 4th-6th  grade at her local elementary school. Girl Power is a program to encourage positive social, emotional, mental, and physical development.  Our mission is helping the girls develop important strategies and skills to help them navigate present and future life experiences. Meggan resides in National Park with her husband and two sons.

Chelsea Carter, Treasurer

Chelsea is currently a partner at Morgenstern Waxman Ellershaw. She graduated with a Bachelor’s degree in Accounting from Rowan University in 2004 and received her Pennsylvania CPA Certification in 2010. She is a member of the American Institute of Certified Public Accountants and the Pennsylvania Institute of Certified Public Accountants.

Chelsea has been with MWE since 2004. She has handled a variety of business tax and accounting matters for clients in real estate, professional services, manufacturing, retail and wholesale, and foreign entities. Her expertise is in these areas, as well as serving small business owners, entrepreneurs, and high net worth individuals with personal tax matters.

In addition to her work with MWE, Chelsea has been a member of the Board of Trustees of Oaks Integrated Care, a not-for-profit organization in South Jersey, since 2012. She was elected Co-Secretary/Treasurer of the Board in January, 2014. 

Chelsea lives in South Philadelphia where she purchased her first home in 2014. She spends her free time with her family and her twin nephews in the suburbs, her friends in Philadelphia, running and traveling.

Karoline Moxham, Secretary

Karoline joined WSFS Bank in 2019 as a Vice President and Commercial Lender for one of the southern New Jersey based teams.  Previously, Karoline worked at several other financial institutions in commercial lending; prior to that she spent several years working in asset-based lending.  Karoline has over 25 years of experience in the financial services industry. 

Karoline earned a bachelor’s in science from St. John’s University in finance.  She also did graduate work in international business at Baruch College, part of the City University of New York.

Karoline is on the board of the American Heart Association’s southern and central New Jersey chapter.  She is also a current board member of NAWBO – SJ.

She currently resides in Medford with her husband, Doug and their two sons. 

Liz Bechtel, Co-Director of Membership

Liz Bechtel is the founder of Bechtel CPA, The Accountant for Women Entrepreneurs.  She works with women owned businesses to help them drive their business forward and achieve their desired lifestyles.  She’s passionate about working directly with business owners to help them understand the financial status of their company and to lower their taxes. Liz has over 10 years of experience in tax, accounting, and consulting, working primarily with service-based businesses and contractors. 

She’s a proud alumnus of Rowan University, where she earned her Bachelor’s degree in Accounting and Master’s degree in Business Administration.  Liz is licensed as a CPA in NJ and PA.  She was also awarded the SNJBP’s 40 under 40 award in 2017.

Liz is a wife, mom of 2 boys and a bulldog.  When she’s not spending time with family and friends, she enjoys volunteering and reading a book on the beach. 

Megan Knowlton Balne, Co-Director of Membership

Megan Knowlton Balne, a partner with the law firm Hyland Levin Shapiro LLP, concentrates her practice in the areas of employment, counseling and commercial litigation.   Megan is devoted to serving businesses large and small.  Megan was a recipient of SNJ Business People’s 2018 “40 Under 40” Award and more recently, the NJBIZ 2020 “Forty Under 40” Award.  Megan was recognized by South Jersey Biz in 2021 as a Woman to Watch.  Megan also serves as the Chair of the Legal/Legislative Committee for the Human Resource Association of Southern New Jersey.

In addition to her commitment to the business community, Megan was recognized by the New Jersey Law Journal as a New Leader of the Bar in 2016.  Megan is proud to serve as Secretary of the Burlington County Bar Association and founding member of the New Jersey Law Journal’s Young Lawyers Advisory Board.  In 2019, Megan received the New Jersey State Bar Association’s Professional Achievement Award, an award given to one young attorney each year who has achieved significant professional accomplishments.

Outside of her practice, Megan has a passion for the arts.  She remains active in regional theater and co-founded her own theatre company, Masquerade Theatre.

Denise Pereau, Co-Director of Events

Denise Pereau has had her finger on the pulse of the community during a fifty year career in the field of Cosmetology. As a former salon owner and industry educator, she achieved critical acclaim as a platform artist and hair and make-up artist with international assignments from NY to Paris and the White House. As a businesswoman, Pereau contributed to charitable efforts as one of the original supporters of Cooper Hospital’s Pink Roses, Teal Magnolias, the Komen Foundation and the Solace House, a shelter for women and children in Camden County. She is credited for aligning salons with the bridal industry in the early 90’s fueling business growth and an industry paradigm shift. Her foray into multi-media began with a job as Co-Host on the popular cable TV show, “Let’s Talk About It”, with Trudy Haynes, Philadelphia’s first African American female Broadcast Journalist at KYWTV. 

Denise honed her writing skills as a copywriter for the Star Group, creating copy for the likes of Chef Art Smith, Oprah Winfrey’s former personal chef. As a frequent content creator and contributor to several publications including Womenz Straight Talk Magazine as Associate Editor, and Jez Magazine in New York, Denise is called upon to conduct celebrity interviews and to write about fashion, lifestyle, and social issues. For the last four years, Pereau hosted her own TV show, Renaissance Living, on the streaming network, RVNTV, featuring guests from all walks of life. Pereau is currently working with Womenz Straight Talk on a number of projects.

Maria Veglia, Co-Director of Events

Maria is an accomplished executive with demonstrated ability to manage cutting edge technological initiatives. She is an expert in operations management, budgeting, and team performance measurement and adept at recruiting and mentoring talent and motivating cross-functional teams.

Maria is a strong leader managing projects from inception to completion. She expertly assesses needs and estimates timelines with precision to ensure successful execution of the project plan.

Through her extensive experience in addressing groups, whether in the front of the classroom, boardroom or auditorium, Maria is a dynamic and motivating public speaker. She has many years of experience in curriculum design and development and works with clients to construct training programs appropriate to the needs of the organization.

Skillful at assessing workplace culture, Maria fosters an environment of respect, creativity and collaboration. She is passionate about providing an environment rich with opportunity for all. She believes improving the work culture and providing opportunity leads to employee engagement and satisfaction which, in turn, drives company success.

Maria is adept at identifying resources and developing strategic plans with benchmarks and consistency in achieving organizational goals. She is well-versed in upgrading to the most innovative technological programs while ensuring seamless transitions.

Audrey Wiggins, Co-Director of Marketing and Community Relations

Audrey Wiggins is the owner and operator of On the Town Food Tours LLC, a walking food tour company that provides people with fun and delicious culinary experiences.  Audrey’s passion is to help people explore the diversity of food and discover neighborhood culture and history.  Since officially launching in 2014, the company has expanded into three New Jersey counties. Walking food tours are currently being offered in Collingswood, Haddonfield, Bordentown, Mount Holly, Atlantic City and Hammonton. 

Recent recognition of On the Town Food Tours LLC has come from SJ Magazine, 2021 Best of SJ – Best Food Sampling Category and South Jersey Magazine 2019 Best of the Best – Lifestyle Category.  Audrey is also one of the founding members of the New Jersey Food Tour Trail, a consortium of owners and operators that offer tours throughout the state.
With 20 years of food industry experience, Audrey has held marketing management positions in consumer-packaged goods and the flavor industry.  She was responsible for business strategy, portfolio management, project management and market analysis.  In her current position with the Rutgers University Food Innovation Center, Audrey is responsible for providing insight, strategic analysis, and marketing expertise to help support entrepreneurial food business clients.
She holds an MBA, with a concentration in Marketing from LaSalle University and a BA in Social Science from Rutgers University-New Brunswick.  Her desire to become a successful entrepreneur has led her to join the National Association of Women Business Owners.  Audrey is also a member of the Burlington County Regional Chamber of Commerce and the Burlington & Mercer County
Chamber of Commerce.

Sharon Dunkel, Co-Director of Marketing and Community Relations

PayDay Employer Solutions offers cost effective and comprehensive services from new hires to termination for 1-1000 employees. 


Having spent over 35 years running payroll companies for ADP and Paychex in the Tri-State  area. 

I work to improve companies needs for their growing business and keep them up to date on all Federal & State laws. 

I am an active member of SJNAWBO Board of Directors –Corporate Sponsor now Community  Relations. 

Member since 04/01/2015

Sarah Cohen, Co-Director of Advocacy

Sarah is a member of Lauletta Birnbaum, LLC, a boutique law firm specifically designed, built and operated to meet the demands of modern business.  Sarah focuses her practice on business litigation. She has guided corporations, start-ups and individuals through every stage of litigation, from performing pre-suit evaluations, initiating suits, and aggressively pursuing discovery, to summary judgment, mediation, and trial on the merits. Her experience includes complex disputes involving minority shareholder and member oppression, breach of contract, fraud, and employment issues.

Sarah is a proud alumnus of Dickinson College and Rutgers University School of Law-Camden. Sarah resides in Philadelphia with her husband and son.

Keturah Harris, Co-Director of Diversity & Inclusion

Keturah Harris is a special education teacher at the Burlington County Institute of Technology- Medford Campus. She has been teaching for over 20 years who strongly supports and advocates for the special-needs population. She has earned her BA in psychology from Rutgers University-Camden, MA in Educational Leadership from Delaware Valley University, and her doctorate in Transformational Leadership at Concordia University.  She has been a resident of Medford, NJ for the last 28 years.  Additionally, she has an energetic six-year-old who attends the Medford Public Schools; one Shih Tzu dog, Parker. In her spare time, she enjoys spending time with her daughter, family, and close friends. She is actively involved in different organizations such as the American Association of University Women (AAUW), Rowan College at Burlington County, President’s Advisory Council Diversity, Equity & Inclusion Steering (PACDEI) Committee, member of NJ21 United, and volunteers at the Alice Paul Institute in Mount Laurel, NJ that both promote equality, equity, and education for all girls and women. 

Kalpana Patel, Co-Director of Diversity & Inclusion

Kalpana Patel is an independent management consultant, helping business entrepreneurs and executives helps realize their vision through her services including Executive Coaching, Leadership Team Training and Operations Management consulting services. Enriched with a successful 40 year career in executive leadership roles, she has worked with organizations at all stages in the growth, and successfully delivered in areas of organizational development, succession planning, strategies for growth and profitability, and best practices for operations management. She has helped build enterprise-wide best practices working closely with the C-suite of leadership in a variety of industry verticals, including Telecommunications (working for the Bell System and few incumbents), Global Banking, Cyber-Security and Educational Assessment.

Kalpana is a strong community leader currently serving on several non-profit the Boards including – Grounds For Sculpture (where she is active on the Diversity, Equity and Inclusion (DEI) Taskforce), Young Audiences of NJ and Eastern PA and New Jersey State Museum Foundation. She has led a Diversity, equity and Inclusion Committee and also serves as the Rotary Foundation Chair at the Robbinsville Hamilton Rotary Club. She is the VP Of Programming for the mid-NJ chapter of the Association of Talent Development (mid-NJ ATD). Kalpana currently lives in Princeton Junction, NJ with her husband of 44 years, Dr. Raj Patel. She can be reached at

Sandi Rapp, Co-Director of Corporate Partnership

Highly Engaged, Accountable, Consumer Services CEO. As an experienced, proven executive leader, Sandi is known for driving strong executive teams and board relationships while creating a work culture where employees are passionate, engaged, and appreciated.

She drives mutual respect and trust through improved flow of information; accurate, timely dissemination of key metrics; ongoing advocacy for the company’s vision, mission, and core values; and ability to achieve buy-in on key initiatives to move the company forward.

Sandi’s ability to achieve growth is aided by her commitment to hiring good people and developing high-performing teams with an ingrained sense of passion and loyalty for the organization’s product and mission.

You can’t solve a problem until you understand it. You can’t understand it if you don’t listen. Sandi’s goal is to gain a holistic view of an issue by delving deep and asking succinct questions to gain key insight; then applying the gained knowledge to guide collaboration and realize quantifiable solutions.

Sandi’s strengths in managing P&L, budgeting, forecasting, cash flow, ROI analysis, investor relations, and banking relationships maximizes top- and bottom-line revenues and generates economic impact within simple and complex environments. She optimizes operations through constant evaluation for efficiency, quality assurance, cost controls, resource allocation, and compliance as well as by seeking opportunities for innovation in continuous improvement, risk management, and change.

Sandi is excited by a great product or service, and even more excited by driving teams to solve problems that make the product even better. When a team is driven to discover a better methodology, new opportunities for sustainable growth are realized.

Lisa Lallo, Co-Director of Corporate Partnership

Dr. Lallo is a Senior Associate at Exponent, which is a scientific and engineering consulting firm serving both industrial and litigation clients.  Dr. Lallo routinely conducts investigations related to industrial and occupational safety, mechanical failures, and mechanical testing of materials.  Her clients are spread across multiple industries, including manufacturing, rail, and biomedical devices.

Dr. Lallo is a graduate of Saint Joseph’s University (B.S. Physics and B.A. Theology, summa cum laude, 2014) and went on to receive her Masters (2017) and Doctorate from the University of Pennsylvania (2019) in Mechanical Engineering and Applied Mechanics.  While at Penn, Dr. Lallo was a National Science Foundation Graduate Research fellow, received the John A. Goff Departmental award, was awarded the Society of Tribologists and Lubrication Engineers Philadelphia section student scholarship, and was granted the John Henry Towne Fellowship.  

Dr. Lallo and her husband are both natives of Delran and currently reside there, where they enjoy spending time with family and friends and serving their community through involvement in their parish Saint Vincent de Paul Society.  Dr. Lallo also serves as a Volunteer Community Resilience Advisor for Habitat for Humanity International. 

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