Joyce began enjoying Bend (as a second home) in 2005 and relocated here full time in early 2017, migrating from San Diego. Originally from the Northeast, Joyce graduated from Towson State University in Maryland with her Bachelors in Business. Joyce began her career in the banking and credit union industry as an operations officer and spent 5 years as a small business owner in Carlsbad, CA. She brings 10 years experience with small business accounting with experience in payables, receivables, financial reporting and a focus on payroll processing. Joyce is married to Peter and they have 4 grown daughters and 5 grandchildren.