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Joyce Bellows has served as Chief Risk Officer of NetBank, Inc. since January 2007. She is responsible for evaluating the effectiveness of NetBank's risk management activities, including managing the Enterprise Risk Management Program, Quality Control, Policy & Procedures, Risk Management Reporting, Risk Strategy and Sarbanes Oxley/Internal Control Assurance. She is also administratively responsible for Internal Audit which reports directly to the audit committee of the Board of Directors. The Risk Management group reports directly to the CEO and to the audit committee of the Board of Directors.
Bellows has more than 15 years of experience in the financial services and accounting industry. At NetBank, she has held positions in the Internal Audit department and as Director of Sarbanes Oxley and Internal Control Assurance. Prior to joining NetBank, she served as Director of Internal Audit/Manager for Alliance Mortgage (now EverBank). Additionally, she worked with Deloitte & Touche in the Enterprise Risk Services Division; Bank of America as Senior Commercial Credit Analyst, and NationsBank as Senior Auditor.
Bellows earned a bachelor's degree in accounting and a master's in business administration from the University of North Florida. She is also a Certified Financial Services Auditor. | 