Dr Healy is a career business banker with 32 years’ experience in Australia, Asia and UK/Europe. 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, which included NAB's global franchise, primarily in Asia. Joseph was also responsible for leading Australia’s largest SME franchise ($6bn in revenues, $2.6bn NPAT, ROE 21%), with market share growth from 19.6% to 24.5% between 2008-13. 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 incl. private equity capabilities to the SME market. At Citi, Joseph had extensive credit and market risk training and held senior risk management roles. Joseph has extensive customer, risk and business management experience, together with success in starting new businesses.