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Joseph has served in the highest levels of the U.S. government. From 2017 to 2020, he was chief officer of the primary federal banking regulator, Comptroller of the Currency (OCC), where he supervised nearly 1,400 national banks, federal savings associations, and federal branches and agencies of foreign banks operating in the U.S. While at the OCC, his remit was to ensure that national banks and federal savings associations have safe and sound operations, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.

Prior to the OCC, Joseph was a seasoned executive in the banking industry, serving as President of CIT Bank and President, CEO and Board Member at OneWest Bank, as well as in senior posts at U.S. Bancorp, Union Bank of California, and Bank of America.

He holds a bachelor of arts in management from the University of Northern Iowa and is a graduate of the School of Credit and Financial Management at Dartmouth College.