JOSEPH BADAL

According to the bio on his website: "Joseph Badal has worked for 40 years in the banking and financial services industries, most recently serving as a senior executive and board member of a NYSE-listed mortgage REIT. He is currently President of Joseph Badal & Associates, Inc., a management consulting firm.

Prior to his finance career, Joe served as a commissioned officer in the U.S. Army in critical, highly classified positions in the U.S. and overseas, including tours of duty in Greece and Vietnam. He earned numerous military decorations.

He holds an undergraduate degree in International Finance (Temple University) and an MBA (University of New Mexico), and is multi-lingual. He graduated from the Defense Language Institute, West Coast, and from Stanford University Law School’s Director College."