Joe Singleton is an experienced professional in model validation, data strategy, and risk management. Currently serving as Model Validation Senior Manager at Monzo Bank since March 2021, Joe has a rich background with Nationwide Building Society, where roles included Data Strategy and Programme Manager and Director of Strategy and Change (Finance & Efficiency). Joe's expertise extends to capital modeling, having held significant positions at AIB, where responsibilities included leading a Risk Integration and Model Development team. Earlier career experience includes management roles at Ernst & Young and AEA Technology, alongside academic qualifications featuring a PhD in Numerical Approximations of Heat and Fluid Flow Equations from The University of Manchester and a Diploma in Applied Management from Warwick Business School.