Joy Bao possesses extensive experience in the financial services sector, with a strong focus on digital transformation and innovative product development. Currently serving as a Senior Consulting Manager at EPAM Systems since January 2021, Joy leads initiatives for banking and financial services clients, enhancing operational efficiency and regulatory compliance through strategic digital solutions. Previous roles include Senior Manager at Wirecard Asia Holdings, where Joy managed analytics across multiple digital payment products, and Regional Product Manager at DBS Bank, where significant contributions were made to the development of a digital banking app. Joy's background also includes positions at KPMG, Wüstenrot Gruppe, and other notable organizations, complemented by a Master's Degree in Banking and Actuarial Science from Ulm University and a Professional Certificate in AI Product Design from the Massachusetts Institute of Technology.
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