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Annette Carstens is an experienced professional with a robust background in service delivery and operational management. Currently serving as the Head of Service Delivery at TYME since February 2022, Annette is focused on enhancing service delivery in areas such as KYC, account management, and fraud. As an Independent Business Owner at Furco Solutions (Pty) Ltd, Annette operates an eco-friendly carwash franchise and manages procurement for the hospitality industry. Previously, Annette held various roles at TymeBank, including Project Manager and Manager Execution, where responsibilities included aligning technical and operational deliverables. Annette's extensive experience at Standard Bank Group as Head of Operations and Integration involved managing operational aspects of transactional banking products, alongside product development for affordable housing. Annette holds a Bachelor’s Degree in Business Administration and a Diploma in Business Management.