Joe joined the Marine Corps upon graduating from high school, and after being honorably discharged, completed his undergraduate and graduate studies. Joe met his wife while they were completing their degrees at St. Johns University, and reside in New York City with their two children. He started his financial services career as a bank examiner before joining the industry, and he is a recognized risk professional who has authored books, white papers, articles, and risk frameworks. His career has taken him to some of the most successful international financial services firms, where he has advised both executive management and the board on risk topics. Joe is also an adjunct professor on general management and risk management, and has designed risk management courses and is a frequent speaker on pertinent risk topics. He continues to be active within the financial services industry and veteran organizations.