Joe is Vice President of Sales for the Passenger Vehicle Group, with responsibility for development and execution of sales initiatives for RVI Analytics as well as support of the insurance business. Joe brings a wealth of relevant experience in passenger auto and residual risk management, having worked for both banks and captive finance arms of automotive manufacturers. Prior to joining RVI, Joe was in charge of Residual Risk Management at Toyota Financial Services, and prior to that spent four years at Ally Financial and ten years at U.S. Bank in Residual Risk Management. Joe holds an MBA from Xavier University and a B.S. in Finance from the University of Toledo.