Joseph Badal worked for thirty-eight 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 for six years 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 undergraduate and graduate degrees in International Finance (Temple University) and Business Administration (University of New Mexico). He graduated from the Defense Language Institute, West Coast, and from Stanford University Law School's Director College. Joe serves on the boards of Sacred Wind Communications and New Mexico Mutual Insurance, and is Chairman and President of The New Mexico Small Business Investment Corporation. Joe has had six suspense novels published, including "Shell Game," which was released in 2012 and "The Lone Wolf Agenda." He writes a blog titled Everyday Heroes. His first short story, Fire & Ice, was included in an anthology titled "Uncommon Assassins," in 2012. Joe has written dozens of articles that have been published in various business and trade journals, and is a frequent speaker at national business and writers' events.