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Joe Pino has held a variety of roles in the financial services and marketing industries. Joe began their career in 2003 as a Securities Lending Operations Specialist and Market Risk Consultant at Fiserv Securities. In 2005, they moved to Bank of America Merrill Lynch, where they held a number of roles including Internal Product Consultant, Wealth Management Specialist, Internal Strategy Consultant, GWIM Senior Operations Analyst, Senior Retirement Education Consultant, and Retirement Investment Consultant. In 2012, they also served as Environment Ambassador and Sustainability Consultant for Bank of America Merrill Lynch. In addition, they worked as a Strategic Consultant and Social Media Strategist for ICAP and The HERO Campaign. From 2010 to 2012, they were a Quality and Innovation Consultant for Villanova University. In 2013, they joined Clutch as a Project Manager and Business Strategist, and later held the roles of Director, Client Solutions and Strategy, and Vice President and Senior Vice President of Strategy and Solutions. Joe also worked as a Business Developer for Lean Startup Machine and Startup Weekend.

Joe Pino holds an MBA in Finance & Strategic Management from Villanova University, a CPD in Customer Lifetime Value from The Wharton School, a Bachelor's in Economics, International Business & Political Science from Rutgers University, and graduated from Williamstown High School.