Joanna has extensive experience in financial inclusion, market systems development, women’s economic empowerment, informal finance, policy and regulatory reform, and monitoring and results management. She has over thirty years of experience in the financial sector, most recently as the founding Director of Financial Sector Deepening Zambia. She currently supports CGAP’s gender team, focusing on social norms affecting women’s financial inclusion and gender transformative solutions, and consults for numerous development organizations including the Bill & Melinda Gates Foundation, Access to Finance Rwanda, The Mastercard Foundation, and the CDC Group, among others. She has written numerous papers and books including The New Microfinance Handbook (2013) and Making Market Systems Work for the Poor (2021).