Joe Garner


Future of Payments Review

Joe Garner led Nationwide Building Society through Brexit and COVID as CEO from 2016 to 2022. His career started with Procter & Gamble in 1991 based predominantly in Romania. In 2001 he joined Currys Plc before moving to HSBC in 2004 where he progressed to lead HSBC in the UK. In 2014 he became chief executive officer of BT’s Openreach.

Joe was a non-executive director of the Financial Ombudsman Service from 2008-2010 and served on the board of the UK Finance and the Financial Regulator’s Practitioner Panel. Joe now works as an advisor to CEOs and in 2023 completed the independent Future of Payments Review for the Chancellor. In February 2024, Joe was appointed to the Queen Elizabeth Memorial Committee.

Joe is a patron of British Triathlon and a GB age group competitor finishing 16th at the 2022 World Championships. He was chair of the British Triathlon charity from 2013 to 2021 and since 2023 is chair of the charity Tennis First.