Mrs. Joan Garfield is the former General Manager of the N.C.B Employees Co-operative Credit Union, a post she has held for the past twenty six (26) years. She is an experienced Banker and Administrator, with over forty (40) years experience in the Financial Services industry with competences in the areas of Credit Administration, General Management among others. 

Mrs. Garfield holds a M.Sc. in Human Resources Management from the Nova Southeastern University and a B.Sc. in Management Studies from the University of the West Indies. She also holds a Certificate in the Jamaican Securities Course. She is a Facilitator in Credit Risk Management, Delinquency. 

She is also a Justice of the Peace for the Parish of St. Andrew.