Joseph was born in 1984. He graduated from the English School Nicosia and in 2006 obtained his B.Sc. degree in Economics, from the University College London (UCL). He is a qualified Chartered Accountant and holds an Executive master’s in Business Administration (Executive M.B.A.) from the University of Cambridge in the United Kingdom. Between 2007 and 2017 he worked in various Global Banking Institutions in London, after completing his qualification with Ernst & Young London, while working within their Investment Management Assurance practice. In 2010 he joined the Royal Bank of Scotland (RBS), as Manager in a variety of Group Strategy and Risk roles. At RBS, Joseph was heavily involved in the balance-sheet restructuring that underpinned the Bank’s financial and operational turnaround during that time, including work on the ringfencing of the Bank’s Retail activities, the divestment of ~300 branches and the Asset Protection Scheme. In 2014, Joseph joined HSBC, as a Senior Portfolio Manager, leading a plethora of de-risking activities with a focus in commercial banking and a mandate that span across the European region and immersed himself in key strategic and regulatory risk initiatives for HSBC Europe. In August 2017, he joined Hellenic Bank as Manager of Enterprise Risk Management & Governance. In April 2020, he was appointed as Interim Chief Risk Officer and in September 2020 was appointed as Chief Risk Officer, a position he now holds for Eurobank Ltd, following the legal merger. He was a core member of the deal team that negotiated the agreement for the acquisition of ex-CCB assets and liabilities but also heavily involved in other transactions (RCB, CNP etc).
