Joyce Ward

Joyce Ward is an experienced professional with a diverse background in management and customer service across various industries, including mortgage, housing counseling, and collections. Currently serving as the Manager of Records for the Curative Team at PHH Mortgage since September 2025, Joyce's previous roles include Team Lead Manager at Clarifi, where responsibilities involved overseeing housing and financial counselors while delivering direct client services. Joyce has a successful history of enhancing operational efficiency at Avenue 365 Lender Services as a Customer Service/Title Curative Manager and demonstrated expertise in asset management and collections at Caneel Group and Alliance One LLC. Educational credentials include attendance at Kutztown University of Pennsylvania.