Joan McGowan is a senior analyst with Celent's banking practice and is based in Atlanta, Georgia. Her�research focus is�on risk management, regulatory compliance, data security, and data analytics, with a concentration on disruptive technologies for risk transparency and data visualization. She brings a�"risk-reward" perspective to strategic decision-making.Joan has over 15 years of experience with technology and growth strategies for global financial markets. She has worked as a senior strategist with the leading financial service technology providers FIS Global, Fiserv, and FICO, serving global, international, regional, and midsize banks and credit unions.Prior to that, Joan was a researcher for�BBC North News, and a managing�editor for The Economist Group.
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