Joseph Horn-Smith

Chief Executive Officer

Joseph serves as the Chief Executive Officer of Capital Security Bank, where he provides strategic leadership and meticulously oversees the institution's overall operations. His pivotal role significantly contributes to strengthening the bank's ongoing growth and long-term resilience.

Having 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.

Upon transitioning from professional sports, he initially joined Digicel Group’s Pacific Regional Commercial team, responsible for the rollout of Mobile Money and MFS products in the South Pacific Region. 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.

After serving diligently for three years as the Chief Operating Officer, Joseph has transitioned to the role of Chief Executive Officer of the bank, effective as of January 2024.

Working with an interactive people-first management style he had significant leadership experience through his business and sporting achievements combined.

Bachelor of Science with Honours  
University of Exeter 2006

Diploma in Project Management
University of Sydney 2012