Joyce has worked with C&WJ Co-Operative Credit Union Limited for 26 years, gaining sound understanding of the principles and philosophy of a Credit Union.  She has held positions as the Chief Financial Officer, Chief Operating Officer and now, the Chief Executive Officer of C&WJ. She is a Fellow of the Institute of Chartered Accountants of Jamaica (FCA), and a Fellow of the Association of Chartered Certified Accountants (FCCA).  Joyce holds a Bachelor of Science Degree in Accounting and Economics, and a Master of Science Degree in Accounting from the University of the West Indies, Mona. She also holds an Executive Certificate in Management and Leadership from Massachusetts Institute of Technology (MIT).

Joyce has served on the Board of the St. Andrew Justice of the Peace Association and as Secretary of the Governor General Program of Excellence for the Parish of St. Andrew.