Joe joined Nationwide in April 2016 from BT Group where he was Chief Executive of Openreach, a position he held from early 2014.
Prior to this Joe was a director of HSBC Bank PLC and Head of HSBC in the UK, roles which included responsibility for all of HSBC's retail and commercial banking business, including Marks and Spencer Bank, First Direct and The John Lewis Partnership Card. He has also held senior positions at Dixons Stores Group and spent the early part of his career at Procter and Gamble.
In May 2016 Joe was appointed as a member of the FCA's Practitioner Panel. Joe was previously appointed to the FSA Practitioner Panel in 2011 and was Chairman between 2012 and 2013. Joe was also a Non-Executive Director of the Financial Ombudsman Service from 2007-2010. He is currently Chairman of the British Triathlon Foundation Trust.