Christopher Joye is the founder of the award-winning research and investment group, Rismark International, having established the business in 2003 on the basis of a landmark report he produced on affordable housing for the Australian Prime Minister's Home Ownership Task Force. Rismark has pioneered the development of the world’s first mass market, private sector shared equity finance program in which the lender participates in both the capital gains and wears the losses associated with home ownership. Since that time the initiative has won numerous industry awards and served as the basis for government-sponsored shared equity programs in Australia, New Zealand and the United Kingdom. In February 2009, Christopher was invited by the Rockefeller and MacArthur Foundations to present innovative policy solutions to America’s housing market woes based at the private Transforming America’s Housing Policy summit for Obama Administration officials in New York. In 2007 Christopher was selected by The Bulletin magazine as one of Australia's "10 Smartest CEOs" and by BRW Magazine as one of "Australia's Top 10 Innovators". He previously worked with Goldman Sachs and the Reserve Bank of Australia. In 2008, the Australian Government invested $8 billion into a radical policy proposal developed by Christopher to provide liquidity to the Australian mortgage-backed securitisation market to mitigate the adverse effects of the global financial crisis. Christopher has published widely on policy matters relating to housing and financial economics. Christopher received Joint 1st Class Honours (Economics & Finance) and the University Medal in Economics & Finance from the University of Sydney, where he was a Credit Suisse First Boston Scholar and University Honours Scholar. He studied for a PhD at Cambridge University in 2002 and 2003, where he was a Commonwealth Trust Scholar.