Joe Heneghan is Partner & CEO of Revolut Europe, leading the company’s expansion across the continent from 10 million to 45 million customers. With almost 30 years of leadership experience in banking, fintech, and public policy, he is part of Europe’s standout fintech success story and is changing how consumers and businesses engage with money. He previously held senior executive roles at Ulster Bank and Permanent TSB, having started his career in marketing, product management, and digital banking. He now plays a central role in shaping the future of financial services in Ireland and Europe. Joe serves on the European Central Bank’s Euro Retail Payments Board and the Department of Finance’s Industry Advisory Council. He is also a former Chair and current board member of Financial Services Ireland, representing the Irish financial services sector. Joe holds a B.Comm from the University of Galway and is a Certified Bank Director, accredited by the Institute of Bankers and UCD. He has also been a member of the Marketing Institute of Ireland for 30 years.