Joseph is a founding member of the Group and has held senior management positions in Banco Santander, BBVA, Argentaria, and Bankinter. From these positions, he led numerous innovative projects that specifically emphasized the role of technology in the development of alternative channels.

Our CEO from day one, his ample experience starting and developing innovative projects proved to be vital getting the company off the ground. He holds a BSc in Computer Science from the University of Maryland, and a PMD from Harvard University.