Joseph is a career international banker with 32 years’ experience in Australia, UK/Europe and Asia. He has held Executive positions at some of the world’s leading banks including NAB, ANZ, CIBC World Markets, Citibank and Lloyds Bank. As Group Executive/Divisional CEO, NAB Business Banking from 2008-14, Joseph was responsible for leading Australia’s largest Business Bank and SME franchise. A member of the Group Risk Committee, Joseph chaired the Divisional Risk Committee overseeing a loan portfolio of $220bn. At ANZ, Joseph developed a ‘Wall St. to Main St.’ strategy bringing advisory and Development Capital including private equity capabilities to the SME market. At Citi, Joseph had extensive credit and market risk experience and held senior risk management roles. Joseph has extensive customer, risk and business management experience, together with success in starting new businesses.Joseph holds a number of academic credentials including MSc (Finance), MBA, MSc International Management (China), MA in Contemporary Chinese Studies and MBA (Banking) degrees from University of London, London Business School and University of Nottingham in China. He is a member of the Chartered Institute of Bankers in Scotland and authored a textbook ‘Corporate Governance & Shareholder Wealth Creation’ (2003). Joseph is an Adjunct Professor at University of Queensland Business School, a Director of Football Federation Australia (FFA) – he won five international caps at youth level for Scotland – and was a member of the expert panel advising the Deans of Australian Universities on finance course content at Bachelor and Master Degree levels.Joseph has a lifelong passion for Soccer, having played internationally at youth level for Scotland. He also collects The Economist and has every copy since 1976. A keen author, he has published a book called ‘Corporate Governance and Shareholder Wealth Creation’ (2003) and already has another in the pipeline due out this year.