Joe Garner became CEO of Nationwide Building Society in April 2016, joining from the BT Group where he’d been Chief Executive of Openreach since early 2014. Prior to that he was a Director of HSBC Bank PLC and Head of HSBC in the UK. He’s also held senior positions at Dixons Stores Group and spent the early part of his career at Procter and Gamble. Wherever he has worked, he’s focused on improving customer service, holding a firm belief that it’s customer loyalty that drives a successful and sustainable business. Joe was the Chair of the FSA Practitioner Panel from 2011-2013 and a Non-Executive Director of the Financial Ombudsman Service from 2007-2010.