Joleen has experience in the financial services environment spanning three decades. Joleen is a specialist in the payments space where she was a key participant and industry team member in the National Payment System transformation (regulation, systems, policies, structures, risk management and the establishment of the structures within the Payments Association of South Africa). A large portion of her responsibilities was to support the bank and central banks, in 8 countries with the implementation of the local RTGS systems, clearing & settlement agreements. This included the regulatory, collateral, processing (front, middle and back office) and rule making aspects (e.g. AML/Sanctions/Compliance/KYC for domestic and cross-border payments) of the RTGS implementations.