Joseph joined MST Financial in 2022, having worked in banking and finance since 2018. Whilst studying his Bachelor of Finance at La Trobe, where he majored in accounting, he worked at the Bank of Melbourne and the National Australia Bank. More recently, he worked as a graduate analyst at Pitcher Partners. Joseph also holds his RG-146 Tier 2 accreditation. Joseph Licciardi is a representative of Melbourne Maple Pty Ltd, who is an authorised representative of MST Financial.