Joyce Mafi was Governor of the National Reserve Bank of Tonga for 10 years until July 2013. Before joining the Reserve Bank in 1993, she was an Economist for the Tonga Ministry of Finance. She is a part time Chairperson of the Remuneration Authority of Tonga and a private consultant. Joyce holds a Bachelor of Commerce from Otago University, New Zealand, and a Master of Economics from the University of Queensland, Australia.