CJ Joseph is a seasoned business leader with 20 years of experience shaping payments solutions. He’s held leadership roles at top-tier institutions including Citi, SunTrust/Truist, Capital One, and BankUnited. Now an independent consultant, CJ partners with fintechs and banks to drive results in B2B Banking and Payments—spanning strategy, product management, operations, and risk. He holds a BS in Business, an MBA, and is a Certified Product Manager.