Josephine is a Director in Deloitte’s Governance, Regulatory and Conduct practice based in Australia. Josephine is a qualified lawyer with over 11 years of experience in the financial services industry. She specialises in supporting businesses manage operational risk and compliance with regulatory requirements across the end-to-end product lifecycle and customer journey. Her key focus is to promote preventative conduct and positive customer outcomes within the industry. Josephine also helps financial institutions navigate the complex regulatory environment by providing pragmatic advice and sustainable solutions. More recently, she has explored the evolution of the regulatory landscape within the payments industry in Australia, including the potential impacts on BNPL providers.