INSIGHTS
April 24, 2025

The Talent Behind The Tech – Joana Vicente Leal

cross-border payment infrastructure
 

What have been the key learnings from your career to date that you have brought into your current role?

Over the course of my career, a few fundamental learnings have shaped my approach. First, strong governance and stakeholder alignment are critical to successful delivery, no matter how technically sound a programme is, it will falter without the right engagement and support. Second, I've learned the value of building and nurturing high-performing teams. Investing in people and fostering a culture of accountability and collaboration pays off tenfold. Finally, I've seen that transformation is as much about people as it is about technology. Embedding change management early on and staying focused on the "why" behind the change drives better adoption and outcomes overall.

 

What do you find most exciting about RTGS.global at this stage of its growth?

What excites me most is that we're operating at the cutting edge of global financial infrastructure transformation. We're not just improving existing systems, we're redefining cross-border liquidity and settlement, offering a real alternative to the limitations of legacy systems. Being part of a talented team that is creating something foundational, with meaningful regulatory partnerships and innovative technology, is both a rare and thrilling opportunity.

 

Tell us a bit about your role as head of Programme Delivery and the types of clients you work with? What are their main motivations in joining the RTGS.global platform?

As Head of Programme Delivery, I oversee all aspects of project and programme planning and execution—from onboarding financial institutions to driving internal strategic initiatives and regulatory engagement programmes. I have to engage with a varied set of stakeholders from clients, to regulators, to our strategic partners and vendors. Our clients include commercial banks, FIs, MTOs and other financial market players. Their key motivations for joining the RTGS.global network are improving cross-border liquidity management, reducing settlement risk, and accessing real-time, cross-border capabilities across currencies. Many are also looking to future-proof their operations in a world where interoperability and transparency are becoming non-negotiable.

 

What is the culture like within RTGS.global and how does that help you working with PSPs and fintechs who tend to be quite agile and fast-moving?

The culture at RTGS.global is highly collaborative, mission-driven, and agile, which aligns well with how PSPs and fintechs operate. We’re a flat, fast-paced organisation that embraces experimentation and continuous learning, essential qualities when you’re working with partners who expect speed, flexibility, and co-creation. This agility also allows us to pivot quickly in response to market needs, while still maintaining the rigour required for working within regulated environments.

 

Looking ahead, what are some of the big milestones that your team would like to hit in 2025/2026?

In 2025 and 2026, a key focus for my team will be scaling our delivery capability as more institutions onboard to the network. We’re also aiming to launch several multi-currency corridors, expand our regulatory engagements globally, and deepen integration with key partners. Internally, we want to continue enhancing our delivery frameworks, processes and team capabilities to support this growth at pace while maintaining delivery excellence and strong governance.

 

What piece of technology do you see having the greatest impact on the fintech/banking world in the next 2-3 years and how?

I see interoperability technology as what will have the greatest impact, especially those enabling real-time settlement across systems and borders, having a profound impact in fintech/banking in the next 2-3 years. A combination of API and Cloud-led architectures, DLT, AI and enhanced messaging standards like ISO 20022, are allowing financial institutions to become more connected, responsive, and data-driven. Some of the impacts of advanced machine learning within financial services can be seen already with enhanced fraud prevention capabilities coming to the market for example. This shift and adoption of a combination of new technology capabilities will drive cost savings, transparency, and operational resilience, all crucial in a world moving towards 24/7 financial markets operating in a heightened threat landscape.

 

What’s the best piece of advice you’ve ever received at work?

“Focus on the energy, not just the task.” It’s a reminder that leadership is about more than just a position — it’s about creating the right conditions for teams to thrive. When you pay attention to how people feel, how motivated and supported they are and you support them to achieve their best, the outcomes always improve. Open and honest communication and collaboration are crucial for high performing teams and businesses.

 

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