Joseph is a co-founder of Judo Bank and a career international banker with over 35 years of banking experience. Joseph has held executive positions at Lloyds Bank, CIBC World Markets, Citibank, Australian and New Zealand Bank (ANZ) and National Australia Bank (NAB) including as Group Executive/Divisional CEO Business Banking for NAB from 2008 to 2014 where he was responsible for SME, Corporate, Institutional, Financial Institutions, Private Banking and Asia.

Joseph was an Adjunct Professor at the University of Queensland and holds a Master of Science (Finance), an MBA, a Master of Science in International Management (China), a Master of Arts in Contemporary Chinese Studies, a Master of Science in Psychology & Neuroscience of Mental Health and an MBA (Banking) from institutions including the School of Oriental and African Studies, University of London; London Business School; the Institute of Psychiatry, Psychology and Neuroscience at Kings College, London; and the University of Nottingham in China. He is a Fellow of the Chartered Institute of Bankers in Scotland and a Senior Fellow of FINSIA.

Joseph is the author of four books including “Black Belt – A Masterclass for Start-ups and Entrepreneurs” released in early 2023.