Joe recently retired after a 35 year career in international insurance. He led Liberty Mutual’s international strategy and expansion from 1995 through 2015, starting and acquiring companies in over 20 countries generating $9 billion in revenues. He has a long experience in the international insurance arena, starting and managing businesses in Latin America, Europe and Asia, as well as the US, with experience in acquisitions, joint ventures, partnerships, and start-ups. He has served as a director on multiple subsidiary and joint venture non-US boards, as chairman and member of several international insurance associations, and as an advisor on financial sector and insurance projects with international supervisory bodies, the World Bank and the WTO. Joe is currently an active advisor and member of the President’s Circle of Acción International, a financial inclusion/microfinance organization. Joe attended the University of Texas at Austin, receiving a BA in Plan II Honors and a MA from the Institute of Latin American Studies. He has lived and spent extensive time in several Latin American countries and Spain. He is fluent in Spanish.