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Joanna Kozioł possesses extensive experience in finance and insurance, currently serving as the owner of JT Finanse Ubezpieczenia i Gwarancje since December 2004, specializing in financial guarantees, technical insurance, and liability insurance for enterprises. Past roles include working as a Human Resources and Payroll Specialist at Firma Handlowo Produkcyjna, providing comprehensive documentation, payroll services, and employee support, along with experience in sales support at ERGO Hestia, sales management at Amplico AIG Life, and accounting at Perfumeria MM and a bookkeeping office. Joanna Kozioł holds educational qualifications from Krakow University of Economics and PSB Szkoła Wyższa w Krakowie.