Joanna is Chief Executive of the Money Advice Trust, whose vision is to help people across the UK to tackle their debts and manage their money with confidence.
Previously, Joanna was Executive Director at the British Bankers’ Association running their policy department for personal and small business customers. Before that she was a House of Commons researcher and prior to that a primary school teacher.
In 2010, Joanna was awarded an OBE for services to people in debt.
Joanna is a director of the financial services trade association UK Finance, representing vulnerable consumers, Chair of the Advisory Panel at Birmingham University’s Centre on Household Assets and Savings Management, a selection panel member for the Open Banking for Good challenge (part of the Cabinet Office’s Inclusive Economy Partnership), a Commissioner for Energy UK’s Vulnerability Commission, and a member of the ABCUL/Lloyds Banking Group Grants Committee, the government’s Financial Inclusion Policy Forum and HM Treasury’s Home Finance Forum.
She is also Vice Chair of the Friends Provident Foundation, a Chartered Director and a Director of Fair 4 All Finance, which is using £55m of dormant account assets to improve financial inclusion.
She lives in North London with her husband, Simon Horne, who is a Headteacher, and their three daughters. In her spare time she reads, runs, cycles and climbs Munros (Scottish mountains over 1000m).