Jo is a division head at the FinTech & Innovation Group (FTIG) at the Monetary Authority of Singapore (MAS). Her division, the Payments Development and Data Connectivity Office, is responsible for developing the Singapore payments ecosystem and driving payments development initiatives in addition to the development and implementation of cross-border data connectivity. She has led a number of landmark payments policy and infrastructure projects including Direct FAST, PayNow cross border connectivity linkages with Thailand, India and Malaysia, Project Nexus, SGQR, Payments Council, and the cessation of cheques in Singapore. In her previous role as payments policy lead at FTIG, Jo was the project director for the Payment Services Act.
 
Prior to joining FTIG, Jo was Assistant General Counsel at the MAS Legal Department. In that role she advised extensively on financial services regulations and free trade agreements. Her private practice experience was at Allen & Gledhill and Amica Law.
 
Jo graduated from the National University of Singapore with an LLB (Hons) Degree, and was called to the Singapore bar. She has a Master of Laws from University College London, and is a non-practising solicitor of England and Wales.