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Joe M. is a highly experienced Senior Portfolio & Program Manager currently at PTSB, responsible for the definition and delivery of strategic portfolios and change initiatives to enhance the bank's capabilities and competitive advantage. Previously, Joe M. led the Business Transformation & Change Portfolio at KBC Bank Ireland, focusing on digital transformation and regulatory compliance, with notable initiatives such as GDPR compliance and the establishment of the bank's first Enterprise Data Warehouse. Joe M. has also held senior roles at Dell EMC, Dataworks, and Capita IT Enterprise Services, managing various strategic programs and projects, including e-learning platforms and data warehousing initiatives. Joe M. holds multiple postgraduate degrees in Innovation and Business Entrepreneurship from University College Dublin and is certified in Managing Successful Programmes (MSP) and Prince2.