Trying to imprint paper with the true essence of Joanna’s spirit is an impossible task because she was a unique and wonderful individual, who had so much to offer.

Jo managed to leave an indelible mark on everyone she met, however short or long the meeting. That was one of her many gifts. She radiated a light that literally shone through her smile, which she always wore. She lived her life with energy, enthusiasm, hope and vitality, and she cared deeply for those around her. Jo had time for everyone and anyone, and was always willing and wanted to help.

Working with her was always a delight and a bonus because she was honest and relaxed in her approach. She brought a personal, caring and human touch to her job that somehow felt slightly out of place in the tough world inhabited by investment bankers. She exuded true warmth and humour in every situation – something not all of us could manage – and few things were impossible with Jo’s help.

We feel blessed that, even for a short time, Jo shed a little light on Risk Waters. We extend our deepest sympathies to her family, to her loving partner Jason and to all those whose lives she was such an important part of. Our lives should not be darker because we will miss her, but brighter because we knew and loved her.