Joyce Zhang Gray

Joyce Zhang (Gray) is an accomplished professional with extensive experience across various sectors. Currently serving as the Head of Embedded Finance and Lending North America at Visa, Joyce also holds the role of Founder & Board Chair at Alariss, an AI-driven marketplace facilitating global expansion. Additional engagements include being a Term Member at the Council on Foreign Relations, participating in the StartX P23 Cohort, and serving as an elected Director of the Harvard Alumni Association Board. Previous roles encompass key positions at Human Interest, McKinsey & Company, the World Bank Group International Finance Corporation, Microsoft, and Groupon. Joyce holds an MBA from the Stanford University Graduate School of Business, a Bachelor's Degree from Harvard University, and a Master's Degree from Princeton University, alongside participation in programs at Y Combinator and the Creative Destruction Lab.