Advocate Jo-Ann Ferreira is a Lead Policy Specialist in the Policy, Statistics and Industry Support Department of the Prudential Authority. Previously with PriceWaterhouseCoopers and the National Treasury (Chief Director: Legislation), she joined the Financial Services Board in January 2009, where she was the Head of the Insurance Regulatory Framework Department from March 2010 to April 2018. She has extensive experience in the development and implementation of policy, regulatory and institutional frameworks in the financial services sector since 2004. She represents the Prudential Authority in various international and local fora. She holds a BLC and LLB degrees.