Michelle Knowles is the Pan Africa Head of Trade Finance Product and Governance. During her 23 years in the Banking industry, Michelle has spent the major part of her career in International Trade at Standard Bank, First National Bank and the Absa Group, holding a number of different roles and responsibilities. Michelle has a Master’s Degree in Business Leadership with an elective in e- Business and has completed the SAFEX Registered Persons examination for Bond market, Equity market and Future markets. In addition, she holds a certificate in Business Psychology and human behavior, completed numerous leadership and trade finance courses, and is currently a member of the Institute of South African Financial Markets. Some of her key achievements include being nominated deputy chairperson for TSAG user group for Europe, Middle East and Africa in 2011 and Co- Chair of the International Chamber of Commerce Bank Payment Obligation Consulting Group in 2012. She is a member of the global advisory committee for Factors Chain International 2020. She is also a regular speaker at conferences and contributes to articles on the topic of Trade Finance.