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Joanne Towers

Regional Head of Payments Product
Jo heads up Regional Payments Product Management for HSBC Global Liquidity and Cash Management (GLCM) in Europe. As part of her responsibilities she manages day to product management and product development for all European Payment Products. Key areas of current focus include Open Banking and PSD2, the implementation of SEPA Instant Payments, Ring fencing in the UK, digitisation of Cheques in the UK with UK cheque imaging, and establishing the proposition post Brexit.

Prior to this role, Jo led Strategy and Planning for GLCM following 14 years at RBS where she undertook a variety of senior roles across Retail, Corporate and International Banking.

Outside of work, Jo likes to travel, and to embark upon various walking or energetic challenges. She succesfully climbed Mount Kilimanjaro last September, which some may say nearly killed her!