Joe Clements

Joe Clements is an accomplished professional in treasury and foreign exchange management with extensive experience in financial operations. Since June 2019, Joe has served as the Head of Treasury & FX at Payen, where expertise has been demonstrated in strategic management and operational efficiency. Prior to this role, Joe held various positions at RBS from November 2012 to May 2019, including Currency Cheque Clearing Manager, where significant contributions were made to team rebuilding, training, and performance enhancement. Additional roles involved oversight of cashflow management, technical specialization in settlement processes, and effective communication with relationship teams to improve settlement procedures. Joe's career began at BMW Group as a Sales Advisor, setting a foundation of strong customer service skills. Educational background includes attendance at Normanhurst School.