Joyce Phillips, during a 25-year career, has worked across every sector, in banking, financial services and the insurance industry, and held senior roles with global and regional responsibilities in the United States, Asia and Australia. From 1997 to 2007, she held senior executive roles for Citigroup in New York and Tokyo, including Global Head of International Retail Banking, then she was President and Chief Operating Officer at American Life Insurance Company (ALICO), a subsidiary of American International Group, Inc. In 2009, she joined Australia and New Zealand Banking Group Limited (ANZ) as Group Managing Director, Strategy, M&A, Marketing and Innovation. She was most recently CEO of ANZ Global Wealth Division and Group Managing Director, Marketing and Innovation. Joyce holds an MBA from the Stern School of Business at New York University and is fluent in Japanese. She was named on the U.S. Banker "25 Most Powerful Women in Banking and Finance" list in 2006, 2007 and 2008, and was recognised as one of the Top 100 Fintech leaders in Asia in 2016.