Irvin Meade is the Chief Credit Officer responsible for leading and managing the credit risk strategies of the Bank, as approved by the Board of Directors. His portfolio includes all commercial, residential mortgages and personal loans.

Irvin has a broad knowledge/experience in all aspects of banking, having worked in the industry for over 30 years, from a teller.
His last employment was with Scotiabank (British Virgin Islands) Limited, as the Deputy Managing Director/Commercial Banking Manager, responsible for managing the bank’s Commercial Centre, ensuring growth and profitability through effective sales management, marketing of commercial products and services, while applying financial and risk analysis techniques. Supervise/coach staff to ensure a high level of efficiency in customer service and operation, while adhering to regulatory requirements and compliance polices.
Prior to Scotiabank Irvin worked with Royal Bank of Canada (Montserrat) as Manager Customer Service, supervising the Deposits Department, Management of the Bank’s liabilities, automated banking, cash/ custody, customer service including training, along with fostering staff engagement.

Professional Qualifications
Master of Business Administration (Finance), 2016
Institute of Canadian Bankers Diploma, 1984
Bachelor of Science Business Management, 1979

Brian James joined the National Bank of the Virgin Islands as the Chief Policy and Research Officer (CPRO) in March 2019. He has worked in the financial services industry for the last twenty (20) years. As CPRO, Brian is responsible for the leadership and oversight of all research and policy development activities of the Bank. His role is critical in reinforcing the foundation necessary to build a more resilient National Bank and the institutionalization of industry best practices.

Prior to joining NBVI he served as the Chief Financial Officer of a financial institution in St Kitts and as a Bank Examiner with the Eastern Caribbean Central Bank. In earlier years, Brian served as the Finance and Administrative Officer of a major indigenous financial institution.

Professional Qualifications:
Association of Chartered Certified Accountants (ACCA), 2017
Chartered Professional Accountant (CPA), British Columbia, 2017
Certified General Accountant (CGA), 2017
Certificate – International Public Sector Accounting Standards (IPSAS), 2017
Master of Science in Finance and Investments (Merit), 2015
Bachelor of Science – Applied Accounting (Hons), 2013
Associate of the Institute of Canadian Bankers (AICB), 2009

Etienne Charles joined the National Bank of the Virgin Islands Limited as the Chief Information Officer (CIO) in February 2018 and brings with him over 25 years of technology experience in the Financial Services Industry. As CIO, Etienne is responsible for the leadership and implementation of the Bank’s Information & Communication Technologies strategy with a view to realizing the Bank’s vision.

Prior to joining the bank, he served as the Executive Manager of Information & Communication Technologies of a major financial institution. In that capacity, he was responsible for the strategic direction and oversight of technological advancements of a Group of Companies. He provided guidance in services relative to Banking, Insurance and Trusts. Etienne brings invaluable experience spanning a wide range of technology disciplines including software programming, networking, server administration and technology risk management.

Professional Qualifications:
Master of Business Administration (Honors), University of the West Indies, 2001
Diploma – Management Studies, University of the West Indies,1998
Bachelor of Science – Computer Science and Physics (Honors), University of the West Indies,1990

Annette Braithwaite joined the National Bank of the Virgin Islands Limited in 2018 as Chief Compliance and Risk Officer. Her duties as it relates to the Chief Compliance Officer, focuses primarily on overseeing and managing compliance issues within the Bank, ensuring that the Bank is complying with regulatory requirements and that its employees are complying with internal policies and procedures. As Chief Risk Officer, Mrs. Braithwaite focuses primarily on identifying, assessing and mitigating risks along with, regulatory and technological threats to the Bank’s capital and earnings.

Annette has over 20 years of experience in the banking and financial sectors. Prior to joining the National Bank of the Virgin Islands Limited, she served as the Corporate Offshore Banking Executive Accounts Assistant, with JP Morgan Chase and later, as Operations Manager and Compliance Officer with FirstBank Virgin Islands in the British Virgin Islands.

Professional Qualifications:
Master of Business Administration, Prifysgol Bangor University, 2021
Bachelor of Banking and Finance, Business Administration, UWI, 2016
International Diploma, Compliance, Governance and Risk, University of Manchester Alliance Business School, 2016
Certificate, Compliance Awareness, University of Manchester Alliance Business School, 2013
Associate, Business Administration Financial Services Concentration, HLSCC, 2009

Wade Richardson has three (3) decades of experience in the banking industry and served as Branch Manager and as Operations Manager on two separate occasions for one of the leading indigenous banks in Anguilla. Wade is an avid proponent of operational efficiency and delivery of exceptional products and services, elements that will lead to the National Bank of the Virgin Islands connecting to its customers and exceeding their expectations.  He envisions the Bank successfully competing and positioned as the leading retail banking services provider within the Territory.

Professional Qualifications:
Master of Science in Finance – Purdue University Global, USA – 2018
Diploma – Graduate School of Banking – University of Wisconsin, USA – 2002

Stephanie George- Brodie joined the National Bank of the Virgin Islands as the Chief Financial Officer in 2012. Before her appointment, Stephanie had over eight (8) years’ experience in the Financial Services Industry. Stephanie is currently responsible for the day-to-day management of the Bank’s financial activities.

Prior to joining the Bank she was employed as an Audit and Enterprise Risk Services (AERS) Manager at the Big Four Accounting firm Deloitte BVI. As an AERS Manager she was responsible for the effective management of her clients’ audit engagements and was instrumental in the introduction of a new compliance division, which offered compliance and risk related services to local companies.

Professional Qualifications:
Advanced Certificate in Compliance and Financial Crime (ICA), 2012
Certified Public Accountant (CPA), 2008
Master’s Degree in Business Management (Accounting), 2003

Mrs Joy Penn was appointed Chief Executive Officer of the National Bank of the Virgin Islands Limited in 2013. Mrs Penn is responsible for the leadership and execution of organizational strategy, with the ultimate goal of making NBVI the leading commercial banking institution in the Virgin Islands.

She has over sixteen (16) years of experience in the banking industry and held the post of Vice President and Manager of the Commercial Loans Division for a leading financial institution before her tenure at the Bank. She is an executive member of the BVI Bank Association. She serves on the Board of Trustees of the Multi-Employer (BVI) Pension Plan and as Compliance Officer of the Ivan Dawson Memorial Scholarship Committee local non-profit organization. In her earlier years, Mrs Penn served as a Finance Lecturer and Researcher for the Financial Services Institute (now Robert Mathavious Institute) at the H. Lavity Stoutt Community College, specializing in Finance, Investments and Securities Markets.

Professional Qualifications:
Chartered Banker, Bangor University, 2019
Master of Business Administration (Banking), Bangor University, 2019
Foundation Certificate in International Trust Management, Society of Trust and Estate Practitioners, 2005
Master of Business Administration (Finance), University of Central Florida, 2001
Bachelor of Science (Finance), University of Central Florida, 1999