Welcome to Capital Security Bank Limited

We thank you for your interest in Capital Security Bank (CSB). As the only fully-service private bank operating exclusively within the Cook Islands,
CSB provides a distinct level of service to clients seeking to enhance their investment plan.

John Evans - Chief Executive Officer

John is the Chief Executive Officer of Capital Security Bank 'CSB' and responsible for leading the development of CSB and providing leadership in its management and operations.

John has specialised knowledge of the banking and finance industries having spent over 15 years within these sectors both domestically and internationally.

John’s career started in Christchurch working for ASB Bank as a Customer Service Officer developing his banking knowledge from the ground up for a three-year term. John broadened his finance background and experience through a Finance Broker role with Credit Express where he was responsible for debt consolidation, personal loans and vehicle financing. 

In 2008 John moved to the Cook Islands and joined the team at Westpac as a Branch Manager, a role he held for four years. During his time at Westpac, John was responsible for income and expense management, project management and managing 32 staff across two branches. He was also a member of the Westpac Cook Islands Leadership Team. 

John joined Capital Security Bank in 2012 as Operations Manager and progressed to his current role of Chief Executive Officer. He overlooks the day to day operations of the bank including stakeholder relations, marketing, compliance, risk management and information technology. 

  • Cook Islands Bankers Association Chairman
  • Board of Directors - Cook Islands Financial Services Development Authority 

Joseph Horn-Smith - Chief Operating Officer

Joseph is the Chief Operations Officer of Capital Security Bank ‘CSB’ and is responsible for the day to day operations of the Bank as well as the implementation and adoption of the banks infrastructure and technology.

Joe has gained comprehensive financial services experience having spent time over the past 12 years, delivering projects in cross-border payments, foreign exchange, retail micro remittance, wholesale brokerage, banking and stock trading across the APAC region.

Since transitioning from professional sport over 10 years ago Joe initially joined Digicel Group’s Pacific Regional Commercial team, responsible for the roll out of Mobile Money and MFS products in the South Pacific Region. Following this he spent time at Sydney based Aggregato global and WorldFirst as Head of e-commerce and Partnerships gaining wholesale brokerage and fintech experience across SE Asia.
Joe works with an interactive people first management style having significant leadership experience through his business and sporting achievements combined.

• Bachelor of Science with Honours - University of Exeter (2003)
• Diploma in Project Management - University of Sydney (2012)

Ian Haddow - Chief Financial Officer

Ian has been Chief Financial Officer of Capital Security Bank since joining in April 2018.
Prior to joining Capital Security Bank, Ian worked in the Financial Controller role with a variety of large scale companies across several industries, including Myland Partners Corp, Oyster Management Limited, Shore Mariner Limited and Rotaform Plastics Limited.
His core skills lie in accountancy, financial management and information systems. He is passionate about process improvement, cost efficiency and business expansion. Ian holds a Bachelor of Commerce (Accounting & Commercial Law) and a certificate in Business Communication from the University of Auckland. He has also attained Level 3 in Japanese - Language Proficiency.

• Bachelor of Commerce, Accounting and Commercial Law – University of Auckland (1991)
• Chartered Accountant with CA – Australia and New Zealand

Atinata Hosking - Compliance and Risk Manager


Atinata is the Compliance and Risk Manager of Capital Security Bank.

Atinata has over 13 years banking experience and has an in-depth knowledge of transactional banking particularly cross boarder payments, SWIFT processing, transactional monitoring and AML standards at an international level.

Atinata is a Cook Islander who was raised and educated in New Zealand and moved to the Cook Islands in 2003 being employed by Southpac Trust who provide trustee administration and incorporation services.  

During her time at Southpac Trust Atinata worked in a number of customer service and operations roles, including the establishment of Cook Islands entities such as Trusts and IBC’s this has given Atinata a firm understanding of international structures and the professional administration of these. 

In 2008 Atinata joined Capital Security Bank as a Banking Officer and was later promoted to Banking Supervisor responsible for a team of five banking officers.