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Joel Howard has extensive legal experience spanning over two decades. Since July 2002, Joel has served as an Attorney at the Maryland Automobile Insurance Fund. Prior to this role, Joel worked as a Law Clerk at Citi from June 1998 to June 2002 and gained experience as a Collections Representative at Commercial Credit from March 1994 to July 1998. Educationally, Joel holds a Doctor of Law (J.D.) in Business from the University of Baltimore School of Law, obtained between 1998 and 2001, and a Bachelor of Arts (BA) in Sociology from the University of Maryland Baltimore County, earned from 1989 to 1993.