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Joseph Badal has worked for thirty-eight years in the banking and financial services industries, most recently serving as a senior executive and board member of a NYSE-listed mortgage REIT. He is currently President of Joseph Badal & Associates, Inc., a management consulting firm. Prior to his finance career, Joe served as a commissioned officer in the U.S. Army in critical, highly classified positions in the U.S. and overseas, including tours of duty in Greece and Vietnam. He earned numerous military decorations. He holds undergraduate and graduate degrees in International Finance (Temple...