A Strategy and Business Transformation Senior Leader for over 28 years with extensive experience in strategy development, innovation and successful implementation of major transformation programs.Joy has extensive experience in designing and delivering significant Strategies across multiple financial service companies from diversification, divestments, acquisitions, mergers, large-scale outsourcing and cost reduction initiatives. Joy has extensive experience of engaging senior stakeholders, Board members and regulators on discussing complex matters related to Strategy execution and risk management.Joy has also been involved in significant innovation initiatives including FinTech evaluations, setting up innovation centers and developing new product strategies. As an industry leader, Joy is also involved in a number of market engagements and discussions on innovation, AI and Data Science. An enterprise leader and having been a COO, Joy has significant experience in operational management, risk management, financial management and governance, ethics, diversity and inclusion, staff engagement and talent strategies.A strong believer that we can all make this world a better place by being enterprising and innovative, Joy is always keen to talk and learn from anyone who shares a common interest or has a point-of-view.