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Karen V. Payne has a diverse work experience spanning over several decades. Karen V. began their career at Geldermann (Peavey) Commodities in 1980, where they held multiple roles as a Trading Floor Clerk Supervisor, Trade Checker, and Phone Clerk until 1993. Karen V. then joined Metra Commuter Rail in 1993 as an Information Systems Data Entry Clerk and later worked in various accounting roles, including Accounts Payable Clerk, Accounts Receivable Clerk, and eventually became the General Accounting Lead Clerk. In 2005, they also worked as a Yoga Instructor at The Well Spirituality Center.

Karen V. Payne attended Maria H.S. from 1976 to 1980 but did not earn a degree or specialize in any field. In 2016, they enrolled at Triton College to study Accounting and Finance. In terms of additional certifications, Karen obtained a Six Sigma White Belt Certification from the Management and Strategy Institute in 2019. Karen V. also completed Accounting Fundamentals I but did not specify the institution. Additionally, they are a Certified Hatha Yoga Instructor, although the year of certification is not provided.