Prior to founding Riverside, Joyce was a Senior Vice President of Cournot Capital Inc, a highly successful seller of credit protection sponsored by Morgan Stanley. In her capacity, Joyce assisted in ramping up a portfolio of over $25 billion in swap notional, securing triple AAA credit ratings from three agencies, issuing $250 million of Senior Debt, and facilitating the successful sale of Cournot to an affiliate of Magnetar Capital in 2008.

Prior to Morgan Stanley and before a six year retirement, Joyce was Head of Marketing for Chase’s newly-formed Credit Derivatives Group. Between 1995 and 2001, Joyce contributed to the development and execution of the bank’s first credit derivatives transactions, including total return swaps, credit default swaps, off balance sheet financing vehicles and the market’s first synthetic CLO. Her clients ranged from banks, insurance companies, hedge funds and corporations. During her tenure, Chase’s Credit Derivatives group was rated “Best in Credit Derivatives” by Global Finance Magazine and “Best in Credit Derivatives” by Derivatives Strategies Magazine, in addition to other premier industry recognitions.

Between 1985 and 1995, Joyce was responsible for marketing fixed income derivatives to corporate, project finance, real estate and other end users. Joyce successfully concluded hundreds of transactions ranging from plain vanilla swaps to the most complex cross-border project finance transactions in Latin America. She started her fixed income career at The Northern Trust Company, continued at Chase and spent five years at Sumitomo Bank Capital Markets.

Joyce is Co-Editor of the Handbook of Credit Derivatives (McGraw Hill, 1999) and author of many articles published on the use of derivatives by corporations and other end-users. She has spoken at dozens of industry conferences throughout North and South America and Europe.

Joyce earned a B.S. in Finance from Indiana University’s Kelley School of Business, an MBA in Finance from the University of Chicago’s Booth School of Business and completed MIT Sloan School of Management’s Executive Program: Artificial Intelligence: Implications for Business Strategy.

Joyce was honored to receive the Legacy Award for the 2019 Market Choice Award: Women in Finance in New York City.

She currently is Board Chair of Excellence Community Schools, a network of charter schools in New York City and Stamford CT, Founding Chair and current VP, Board of Trustees of the Bronx Charter School for Excellence, one of the top rated charter schools in New York State, and Secretary of the Board of Directors of New York Cares, New York City’s premier volunteer organization.

Howard has previously served as Orrick's Finance Sector Leader, responsible for implementing the firm's strategy to provide distinctive transactional, litigation and regulatory services to financial institution clients globally, as well as co-head of the firm’s Finance Business Unit.

In these roles, Howard has a broad strategic, advisory and business development role at the firm, drawing on many years of experience, both in law firms and as a banker helping clients develop innovative financial solutions to meet their objectives. Howard currently advises bank and non-bank financial institutions in connection with innovative capital markets, debt financing and other transactions, as well as on the implications of financial markets regulation and developments.

Most recently, Howard has focused with clients on the LIBOR transition and has authored a number of client alerts on the transition that can be found at orrick.com/LIBOR.

In addition, Howard is co-chair of the Finance, Securitization and Safe Contract working group of MOBI (the Mobility Open Blockchain Initiative), which will assess the potential value proposition of blockchain, work on standards, and potentially, help coordinate logistics necessary.