Joseph Maressa, Jr., Esq. - President & CEO

Joseph Maressa, Jr. was born on July 1, 1959, in Camden, New Jersey. He is the third youngest of four children and attended Assumption school in Atco, New Jersey where he excelled in sports and music. His passion for playing the drums was developed at an early age and he was a member of the school band. Maressa was also an avid equestrian and participated in many horse shows during his adolescence.

Maressa attended the prestigious Peddie School in Hightstown, New Jersey where he was a defenseman on the ice hockey team and threw the javelin and shot put for the track team.  After graduating from Peddie in 1978, Joe attended Rowan University where he studied business and pre-law, and achieved Dean’s list status while receiving a Bachelors of Arts degree.  Upon graduation from college, Maressa went to work for Title America, a family business owned by his father, the late Senator Joseph Maressa. At Title America, he learned all facets of the title business and he excelled at business development. He continually grew Title America’s market share throughout New Jersey while developing a specific expertise in new construction and commercial transactions. With a growing stable of national, regional and local commercial and residential builders, Title America earned the reputation of being known as the “Builder’s” title company.  Joe was quickly named President of Title America in 1996 and expanded the company’s trade area footprint into Pennsylvania and Delaware. As a compliment to his position at Title America and from the unrelenting urging of his father, Maressa entered the evening division of Widener University School of Law in 1988, while maintaining his duties at Title America. At Widener Law, he focused on real estate law, land transactions, commercial paper, and banking law. He was invited to become a member of the honors fraternity, Phi Delta Phi and also joined the Justinian Law Society. After graduating in 1992, Maressa successfully completed the New Jersey and Pennsylvania Bar Exams and joined his fathers established law firm, where he limited his practice to commercial and residential real estate transactions, land use, planning and zoning, banking law and criminal matters.

The obligation to serve one’s community was instilled in the Maressa family by their father.  In furtherance of this commitment, Joe serves as a Director of the South Jersey Port Corporation where he is a member of the professional appointment’s committee, the Board of Liberty Bell Bank, where he is Chairman of the Loan Committee and the Camden Diocese Real Estate Review Committee.  Joe is also a member of the Dean’s Development Council of the Rowan University School of Osteopathic Medicine, the Advisory Board of SNJ Business People Magazine and a member of the Builders League of South Jersey’s Associates Committee.  Maressa also serves as trustee of the Kennedy Health System and a member of the Board of Directors of Kennedy Hospital, where he serves on various committees. Joe is also a member of the Builders League of South Jersey where he participates in many of their yearly functions.

Joe has been married to his wife Linda since 1989. They have two children, Josephine, a graduate of Ursinus College and  Vermont Law School, where she was awarded a master’s degree in Environmental Law and Policy, and a Juris Doctorate and Joseph III, a freshman at St. Augustine Preparatory School in Richland, New Jersey.  Joe enjoys vacationing with his family, several outdoor activities and attending his children’s sports events.


Ruthann Arnold - Executive Vice President

Ruthann Arnold, a life long resident of Camden County, started her career as a bank teller at The Atco National Bank in the early 1970’s.  During her tenure, she became acquainted with various banking procedures and policies and quickly ascended into a management position.  In 1974, she was recruited by her uncle, State Senator Joseph A. Maressa, to assist in the organization and operation of his Senate office located in Gloucester Township.  Ms. Arnold worked closely with the constituents of his District and played an integral role as his legislative liaison.  It was evident Ruthann had a knack for organization and implementation and had developed a political and business network in Camden, Gloucester and Burlington Counties.

Recognizing Ruthann’s people skills and business acumen, Senator Maressa enlisted her to take the reins of Lower County Realty Abstract, a company he started in 1971.  At Lower County, Ruthann learned all facets of the business from the reception desk to examining title reports to conducting complex commercial and residential transactions.  She has had primary responsibility for closing many very large commercial transactions, many in excess of 100 million dollars.

Ruthann has earned the respect of her peers and her talent is well recognized throughout the industry.  Numerous national and local builders, Attorneys and Realtors consider her as their “go to” person and rely on her expertise on a daily basis.  Ruthann has one daughter and two granddaughters and resides in Atco New Jersey. 


Richard J. Croft, CPA, VP of Operations

Rich Croft, a certified public accountant, joined the staff of Title America in 1998.  Mr. Croft’s background reflects 30+ years experience in the financial services arena for large real estate development firms in the South Jersey marketplace.  Rich also has experience in the Mortgage Banking Industry and spent time originating loans for 2 large Mortgage Companies in South Jersey.

Rich plays a crucial role in Title America’s operations.  Mr. Croft oversees regulatory matters for the company and their joint venture affiliates and also assumes primary responsibility for Abstract America, the Pennsylvania affiliate of Title America.

Rich is a graduate of Pennsylvania State University with a Bachelor of Science in Accounting.  Mr. Croft is married with one son and is active in the Atco Lions Club.  Rich serves on the executive committee of the Builder's League of South Jersey and enjoys playing golf and tending to his yard.


Debbie Elenbark, Settlement Officer 

Debbie is a seasoned veteran and has been with Title America since 1994.  Debbie rose through the ranks, starting as a receptionist.  She quickly learned the ropes and progressed into the processing department and was assigned to some of South Jersey's leading builders.  For the last 10 years Debbie has been responsible for processing, coordinating and closing transactions for Ryan Homes throughout New Jersey.

Debbie is married to her husband, Bob and enjoys travel, her children and grandchildren.  On some weekends, you can find Debbie at classic car shows, swap meets or at her grandchildren's sporting events.


James C. Worrell, Senior Title Examiner/VP of Business Development

With over 41 years experience in the title business, Jim joined Title America as Vice President and Senior Examiner in 2014.

Prior to joining Title America, Jim was Vice President and Senior Commercial Underwriter for the ­­­­National Commercial Services Division (NCS) of First American Title Insurance Company, one of the most prestigious and financially sound Title Insurance Underwriters in the world.  At NCS, Jim examined many complex Commercial Transactions throughout the State, including the Revel Casino.  Because of Jim’s vast experience and expertise, he had sole underwriting authority up to $50,000,000.00

From 1984 to 2007, Jim was a principal in ­­­­­­Settlers Title, a regional title agency which enjoyed significant market share throughout New Jersey.   Jim was responsible for all facets of the business until Settlers was were acquired by First American Title in 2007.

Jim holds a Bachelor of Science in Business Administration from the University of Central Missouri where he graduated in 1971.  Jim is an avid fisherman and enjoys vacationing with his family.


Mariano Pinizzotto, Chief Financial Officer

Marty has recently joined Title America and its affiliated companies.  Marty Brings over 30 years experience to Title America from all facets of the Banking and Capital Markets world.

From 1977 to 2000, Marty was responsible for both sales and operations for multiple markets of foreign processing for PNC Bank.  He held the title of Vice President and functionally, he was the line of business director for Investment Operations.  His staff supported six states and a network of over 800 branches for all processing of Foreign Exchange transactions including currency and check processing.

Since his days at PNC, Marty held the title of Senior Vice President - Director of Capital Markets Operations at Sovereign Bank located in Philadelphia, PA.  Marty provided operational management to all aspects of the Capital Markets Group which included Interest Rate Derivatives, Foreign Exchange, Investment Sales, Trust/Wealth Management.  Additionally he provided operational support for Sovereign Securities Corporation, LLC, a wholly owned subsidiary of Sovereign Bank, where he held the title of Managing Director of Operations and was a member of the Board of Directors.

Marty holds a Bachelor of Science degree in Business Administration from Drexel University.  He also holds a Series 27 Financial and Operations Principal License, and a Series 63 State License.  Mr. Pinizzotto resides in Voorhees New Jersey with his wife of 35 years.  Marty has two children and two grandchildren and enjoys spending time with his family, especially his grandchildren and enjoying the Jersey Shore.


Chrysten Niedermayer, Post Closing, Compliance

Chrysten Niedermayer a resident of Burlington County, started her career in Consumer Finance in 1988, at American General Finance.  While working for American General Finance she learned many facets of the business.  She originated personal loans, mortgage loans and was involved in dealer financing with respect to many South Jersey in ground pool dealers.  Looking to expand her knowledge of mortgage banking she was hired by Tri-Star Financial Services in 1992 as a closing processor, where she was responsible for scheduling and preparing the loan documents for non-conforming, conforming and FHA loans.  

While employed with Tri-Star Financial she mastered all aspects of originating processing and closing a loan.  Tri-Star Financial Services became a large mortgage banker in South Jersey and subsequently was bought by Fidelity Mortgage Funding.  After working for Fidelity Mortgage Funding as an underwriter for a year, the owner of Tri-Star Financial Services opened Atlantic Pacific Mortgage Corporation and immediately hired Mrs. Niedermayer to be the Operations Manager.  She worked for Atlantic Pacific Mortgage Corporation in that capacity until 2006.  

In 2008 after a long tenure in the mortgage banking business, Chrysten made the decision to switch gears and step into a paralegal position at Singley and Gindele a well-known and established law firm in Voorhees, New Jersey.  As a paralegal, Chrysten immersed herself in the areas of criminal and civil litigation, personal injury and real estate.  She was also responsible for a large portion of the firms daily administration and maintaining the calendar for both attorney’s for whom she worked.


Jennifer J Hayes, Settlement Officer

Jennifer started her career in the title industry in 1997 at the title order desk with Lawrence Abstract in Cherry Hill. She quickly worked her way from the order desk to the pre-closing and post-closing departments to conducting settlements. She was licensed in 1998 with the Department of Banking and Insurance. Her mentor was Jacqueline Garvey-King. Lawrence Abstract became what is now known as Trident Land Transfer. Jennifer was assigned to the Prudential Fox & Roach Medford office, where she was their in-house go to title professional.

In 2003, Jennifer went to work for Surety Title in Marlton. At Surety, Jennifer began as a freelancer, and then a full time Settlement Officer, while multi-tasking in both the pre-closing and post-closing departments, and handling witness only closings.

Jennifer left Surety Title in 2008, to stay home with her kids. During this time, she obtained her BA in Elementary Education and taught both first grade and Spanish.

In August 2013, Jennifer came back into the title industry as a Settlement Officer with Title America. She specializes in new construction, residential and commercial closings. She has many realtor clients who remember her from “back in the day”.

Jennifer is a graduate of Stockton University, with a Bachelor of Arts degree in Social and Behavioral Sciences (1996) and a Bachelor of Arts degree in Elementary Education (2010).

Jennifer is the daughter of Robert “Bob” M. Hayes, well known and respected in the real estate industry for over 38 years.

Jennifer lives in Hammonton with her four kids and Springer Spaniel. She enjoys being a soccer and lacrosse mom, going down the shore, and spending hours in antique stores.