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Regulatory and Compliance Specialist

22, Malta
June 05, 2023

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Personal Details







I am a Specialised Advisor in the Compliance, Risk, Operations, Regulatory and iGaming/Gambling areas. I have significant experience in Maltese (MFSA/FIAU/MBR) Regulation, Operations, Audit Directives providing AML/CFT and Advisory Services. I provide training on AML/CFT and PML/FTR Policies and Procedures. I produce monthly management risk reports as well as preparing other periodic reporting as requested by external auditors and the regulators.

I also have vast experience in Data, GDPR and I am a DPO. I am a highly motivated individual with a very strong work ethic. I also have vast experience in Risk Management and Quality Assurance Audits. I possess strong interpersonal skills and run several projects simultaneously. I can bring a lot of experience and knowledge to any organisation.

In 2011, I decided to become a consultant and went into different companies to carry out some very intense projects and when they were finalised, I moved on to the next contract. I like to make a difference and I am tenacious, loyal and extremely IT literate. I am an accomplished self-starter, an excellent user of processes and procedures including Agile and Lean to provide tangible business results. I have a degree in Accounting and Law [Part LLB] and I am a CIMA qualified accountant and a Fellow of the Institute of Credit Management [FCM].

Key Skills, Training & Business Capabilities

Data Governance, GDPR, SMCR, MFSA, Internal/External Audits IFRS, MI Analysis, Prince 2, Six Sigma, Lean, Agile, Waterfall

Regulation, Compliance, Risk Management, Key Risk Metrics UML, BPML, UK GAAP, US GAAP, SII, Pillars I, II, III, SOX,

UK Treasury Functions, Treasury Management, Liquidity PSD2, MIFID II, Basel II, SMCR, Business Process Re-engineering

Due-Diligence, Mergers and Acquisitions, Variable Interest Risk Analysis, Project Management, Business

Management Reporting / Management Investment Reports Analysis, Separation Processes, Equity Prospectus, IPO Delivery,

Cross-Functional, Team Leadership, Management Investor Relations, Daily SCRUMS, MS Office 2010,

Appraisal Coaching / Mentoring, Debt Issuance, Advanced inc. Pivot Tables, Formulae, Macros, VBA codes, NAV

Vlookup, Windows, MS Project, SmartDraw, Visio VAT Analysis, Corporation Tax, Sage, Matrix Management


Jan 2023 to Mar 2023


Responsible for the Compliance and Risk functions for this Investment Management firm. The Company offers portfolio management and advisory services to individuals, institutions, trusts, private funds, charitable organisations and investment companies:

Overseeing the Compliance for both in-house and 3rd-party funds and conducting initial and ongoing due diligence on investment funds

Follow up and control of MIFID II legal and operational requirements, including clients’ portfolios

Provision of the Annual AML training and other operational training

Responsible for the scope as outlined in section 5.3.2 of the CSSF Circular 18/698 related to the IFM regulation for the Group, ensuring that all legal requirements and regulations are applicable

Evaluating and revising the Company’s Compliance Governance, Policies, Rules and Procedures. This includes ensuring Compliance with (AML-CFT) Requirements and meeting the Requirements related to MIFID II

Maintain and keep communication to a high standard with the MFSA/FIAU and other regulatory authorities

Ensuring adherence of Local and Group Compliance Policies and Procedures

Responsible for the Internal and External Audits and their recommendations


Aug 2022 to Dec 2022


I was engaged to oversee the Regulations, Commercial, Operations and Compliance within the institution ensuring compliance with laws,

regulatory requirements and to produce policies and procedures. Reporting directly to the Board of Directors:

To ensure that the Company’s risk management policies, risk assessment profile and their application are adequately documented and maintain appropriate risk-based monitoring processes that are proportionate to the Company's operations' scale, nature, and complexity, whilst ensuring all internal suspicious activity reports received are investigated without delay

To ensure that the Company is compliant with Financial Intelligence Analysis Unit (FIAU), MFSA, and other pertinent regulations

Preparing and making sure that the Key Risk Metrics on different portfolios, such as structured finance, loans, mortgages, corporate lending, and treasury instruments are coordinated

Production of the monthly management risk reports as well as preparing other periodic reporting and sets of information requested by external auditors and the regulators

To act as primary contact with the FIAU, while maintaining effective relationships with other governmental bodies/agencies, handling any request or inquiry in an open and cooperative manner

Be knowledgeable on the Prevention of Money Laundering Act, (Cap. 373) and provisions amending the Act, the Regulations made thereunder, as well as the Implementing Procedures and any guidance notes issued by the FIAU

To ensure that all the Company’s employees are adequately trained in money laundering and terrorist finance prevention, that the standards and scope of the training are appropriate, and that appropriate training records are kept

Ensure that proper Customer Due Diligence procedures are in place and that the procedures set out in the FIAU Implementing Procedures relating to the identification and verification of natural or legal persons are complied with

To ensure that the internal reporting procedure to ensure that employees can report any such suspicious transactions without hindrance and that clear reporting lines are in place.

Have the ability to exert effective influence over AML/CFT measures, policies, controls and procedures in place


Jan 2022 to Jun 2022


Responsible for overseeing Compliance, Regulation, Operations and Risk within the institution including ensuring compliance with laws,

regulatory requirements, policies and procedures. Reporting directly to the Board of Directors of the Organisation [StubHub];

Conducting and overseeing internal audits and reviews periodically to ensure that compliance procedures are followed

Designing and implementing an overall risk management process for the organisation, which includes an analysis of the financial impact on the company when risks occur

Providing MLRO, [AML/CFT] Services, exerting effective influence over the Company’s AML/CFT measures, policies, controls and procedures

Establishing standards and implementing procedures to ensure that the compliance/control functions throughout the organisation are effective and efficient in identifying, preventing, detecting, and correcting non-compliance with applicable laws and regulations

Conducting the internal investigation of compliance issues and discussing arising compliance issues with management or employees

Provide reasonable assurance to senior management and the Board that there are effective and efficient policies and procedures in place, well understood and respected by all employees, and that the company is complying with all regulatory requirements

Informing, educating and training employees on matters that are associated with regulations and industry practices, coming up with effective plans to manage a crisis or compliance violation

Working cooperatively with external auditors and preparing appropriate Compliance Reports for the Board of Directors and regulatory bodies. Staying up to date with internal standards and business goals, ensuring and verifying that all regulatory policies and procedures have been documented, implemented and communicated


May 2021 to Jan 2022


To provide solutions to business issues, advice, train and guidance to the Malta business, ensuring that Lockton European Brokers Limited

[LEBL] [Reporting into the London, UK HO] meets the regulatory and legal requirements and effectively manages regulatory risk to within

the Risk Appetite:

Ensure that the commercial interests of Lockton European Brokers Limited [LEBL] and the statutory objectives of the regulators [MFSA and FCA] rules are met and that compliance oversight [FCA SM16] is adhered to, AML/CFT and MLRO [FCA SM17] and Quality Assurance Audit queries and SMCR accordingly

Managing a team of 20 Associates dealing with renewals and new and ad-hoc insurance

Review and maintain the policy framework ensuring Risk Management is enhanced, managing regulatory and conduct risk and working with our London counterparts

Assist with Internal and External Audits, consider the impact of changes in the business from our regulators, market and the EC

Manage any breaches and complaints, annual business plans and ensure we have in place robust procedures to mitigate the risk of financial crime, money laundering, bribery and corruption

To assist the Risk and Control Committee in maintaining the Risk Management Framework, the LEBL Risk Register and the market security analysis function for the assessment/approval of insurers and intermediaries

Review new and existing products, review of delegated authorities, TOBAs and market agreements and manage any conflict of interests


Jan 2019 to May 2019

TASIKA, Santa Venera, Malta [CONTRACT]

The opportunity arose to work with Tasika on their projects with the Bank of Valletta [BOV] as part of their roll out of PDS2 [Dir 2015], MIFID2 and SMCR. Working with IT consultants remotely, responsible for making sure there was a smooth transition for PSD2 within the Bank. Ensuring that the Regulatory changes were compliant. Using Business Objects [BO] and other bespoke systems to implement these projects within the strict timescales


April 2017 to Sep 2018


Working as part of the IT and Risk Management teams, responsible for ensuring that the UK and Group branches [9 in total] are compliant

with the rules and regulations imposed by external regulators for DPA, GDPR and other Regulatory Directives, AML/CFT:

Looking at Data Governance, Data Quality and personal data [PII], making sure there is a program in place to record, measure, remediate and implement within agreed timescales and budget

Acting as a key player for all aspects of the company’s compliance with GDPR, including the 9 branches in Europe

Providing appropriate advice and interpretation of data privacy legislation

Implementation of the UK and Global Data Governance and Privacy Framework

Setting up templates across the business to capture Personally Identifiable Information [PII] and 3rd Party Contract reviews

Conducting comprehensive privacy impact assessments. Drafting and updating internal policies and procedures for GDPR

Responding to queries from the business on data protection and other Audit and Regulatory matters

Responsible for advising and supporting the sponsors and stakeholders in implementing GDPR with all respective changes required

Ensuring that there are regular catch-up meetings, workshops, training [on line training course] and documentation in place


May 2016 to Apr 2017


Having covered a maternity cover for 12 months as Head of Regulatory, I was kept on to work on several different projects in Business Finance Change Management Programmes, Data Governance, Integrations, Implementations and BAU transitioning:

Assisting with the Change Management and Business Finance Transformation Programmes, Business Operations [inc. TOM and Control Framework] and Practices

Responsible for the Lead Change Management activities, providing input, impact analyses, risk analysis, change readiness and business document requirements, looking at processes and continuous improvement using Lean and Six Sigma methodologies

Providing the design and delivery of transitioning programmes gaining ‘buy in’ to all change management activities, by providing

pro-active and transparent stakeholder management, both within the project team and externally

Stakeholder management for their ‘buy in’ to the Change Management programme

Responsible for all training and co-ordination of the Change Management programme

Manage the delivery teams and work streams [across business areas inc. IT, Finance, Actuarial and Risk], educating and training

Responsible for the delivery of all Finance, Audit and Regulatory [AML/CFT, MLRO] projects including the Faster Close and Finance Transformation projects

Hands on and detailed analysis of the ‘As is’ and ‘To be’ processes; business and change management processes that govern the operation of the systems. Co-ordination and monitoring of all reporting on all projects, including RAG status reports for all areas of the Programme, liaising with senior Stakeholders and gaining their approval, attending Working Groups, Committees and Boards

Managing all areas of the programme’s dependencies, constraints across all areas of the business, responsible for the project governance and for managing and resolving any issues, assessing and mitigating any risks and responsible for the implementation of any change requests and controls within the programme plan


April 2015 to May 2016

QBE EO PLC Maternity Cover [CONTRACT] London

To assist in ensuring all existing, future Regulatory Reporting Requirements and Solvency II are met for QBE European Operations [EO].

Responsible for producing the Solvency II Pillar 3 reporting for business, coordinating inputs from actuarial, management information and finance to produce external Solvency II submissions for Pillar 3 including QRTs, SFCR and RSR, Step 1 and 2 Reviews and IMAP submission

Solvency monitoring and presentation of analysis. Gap Analysis on Pillar 3 reporting requirements

Completing detailed business requirements, as required, resulting from the gap analysis

Building, documenting and testing Pillar 3 reporting processes

Making recommendations for process improvement and automation opportunities

Assisting in the build requirements, testing mock-ups

Transferring knowledge and results to the BAU Finance team

Supporting on other Solvency II deliverables, liaising with Actuarial, Insurance Accounting, Financial Reporting and Risk team members

Involvement in the understanding and completion of future Solvency II reporting requirements, including Data Lineage, Data Flows and input, ETL into a Strategic Tool, Standard Formula, Own Funds and Eligible Own Funds calculations

Reporting on the Capital Position, ECR, MCR and involvement in the completion of Ratings Agency models and ORSA dashboard, responsible for the completion of FSA regulatory Returns, PRA returns, ABI, ONS, Dubai FSA Return

Assistance in the completion of Lloyd’s Quarterly and Annual US and Canadian Trust Fund Returns. Completion of the Lloyd’s QMC Return, producing finance data for TPs

Development of strong relationships with managers from various departments across European Operations in order to obtain the appropriate information required. Liaison with external and internal auditors, coordination of information flows across the business for various regulatory reporting requirements, assisting with ad-hoc regulatory reporting requirements

FX management and hedging and assisting with other ad hoc projects


August 2014 to April 2015


Detailed review of existing systems and controls in place to comply with SII Pillar 3, giving advice on adequacy of financial resources and compliance

Advising stakeholders and the wider finance team on areas of Solvency II, Pillars 1 - 3. Leading the delivery of Pillar 3 reporting solutions, including SAP BOFC and Oracle HFM

Coordinating the provision of financial reporting and regulatory reporting services, advising on detailed technical areas within finance, risk, compliance and financial/regulatory teams

Performing process reviews, end to end business re-engineering with a focus on controls, data quality, governance and compliance

Developing Pillar 3 implementation plans with key milestones for SFCR, RSR and QRT templates, reports, data field analyses and requirements, mapping and narrative building

Design management reporting/dashboard, recommending system enhancements, upgrades or interface solutions

Assess, prepare and perform Dry Runs, identifying and documenting the unique regulator requirement


February 2014 to August 2014


Senior Consultant on Regulatory Advisory matters, responsible for providing regulatory advisory and consultancy services.

Highly motivated and knowledgeable insurance specialist with a proven track record in the areas of financial/ regulatory reporting and financial services regulation.

Advising on detailed technical areas within finance, risk, compliance and financial/regulatory teams

Performing process reviews, end to end business re-engineering with a focus on controls, data, governance and compliance

Detailed review of existing systems and controls in place to comply with Solvency II, MiFID II, PSD2 and IFRS

Developing implementation plans with key milestones

Advice on adequacy of financial resources and compliance, resource requirement specifications, advising stakeholders and the wider finance team on areas of Solvency II, Pillars 1 - 3 and MiFID II

Leading the delivery of reporting solutions, including SAP BOFC, Oracle HFM and other leading edge reporting solutions

Coordinating the provision of financial reporting and regulatory reporting services, regional and entity reporting, review of existing reporting systems/controls and reporting processes to meet timelines

Design management reporting/dashboard, recommend system enhancements, upgrades or interface solutions, assess, prepare and perform Dry Runs, identifying and documenting the unique regulator requirement

MI and Group disclosure, data sourcing, collection of data and aggregation methods and processes, key transformation requirements, dependencies and competencies, strategy for training requirements, training materials and roll out sessions

Produce documentation on all reporting requirements, processes, methodologies and validation. Build and implement BAU processes and transitionary requirements

CRDIV new regulations, including COREP/FINREP reporting, populating new CA1-5 Templates and documentation


July 2013 to February 2014

INTER-HANNOVER [Part of the Hannover-Re Group] [CONTRACT] London

Ad-hoc work for the Finance Transformation / Change Projects team, looking at Reporting Systems, SII and Risk Management System

Produce a Gap Analysis and a TOM to support the Business Functions across Finance, IT, Risk and Actuarial departments

Defining the approach to data analysis, solution design and requirements gathering in order to deliver the best outcome for the project in the available timescales, delivering data sourcing strategies, data flow and business flow artefacts

Designing and delivering data dictionaries for Credit Risk functions, designing and facilitating of activity to support the production of business analysis deliverables

As-is and to-be data flows, performing data gap analysis and articulating mitigation strategies, defining and documenting data requirements, including production of data specific deliverables

Identification of End User Computing applications and defining solution options and mitigation strategies

Identify where there are risks, assess and mitigate risk in accordance with the organisation’s Risk Appetite Scope and prepare a Solvency II Pillar 3 Requirements and Implementation Plan to meet the SII Regulatory Requirements

Ensure that there is a robust plan in place to clearly set out the processes to meet the requirements, liaise with Senior Stakeholders across all Departments Ensuring all business analysis deliverables are completed in accordance with established processes, practices and procedures, and meet pre-defined standards of quality, identification of design gaps, resolution of issues and key decisions

Qualitative and Quantitative Analytics, Annual and Quarterly Reporting Templates for Group and Solo Regulatory Reporting

Solvency and Financial Condition Report (SFCR) and Regularity Supervisory Report (RSR) Reporting Process

QRT Mappings and Build Out of complex Actuarial Reports

Working with Actuaries to complete QIS5 Template for Standard Formula and Internal Model and analysis of change in the Solvency Capital Requirement, review of Chart of Accounts to summarise and align for SII Consolidation Reporting

SAP BOFC Consolidation for SII Reporting, preparation of SII Solo and Group Balance Sheet, data requirements for the SCR

Support the on-going business-wide risk and controls assessment processes, including infrastructure, all processes and controls

Identify, assess, measure, manage and report operational risks accordingly


June 2011 to July 2013


Reviewing different operating environments and business solutions to ensure a smooth integration process

Strategic Change and Project Manager delivering projects/programmes to time, within budget and quality

Excellent relationship management skills developed through working with cross-divisional teams and departments

Strong problem-solving, statistical and analytical skills, with wide cross-functional experience

IT system design solution, operations, product development and training

Managing the process to drive out business requirements, identifying system and process changes, business requirement documentation including risk strategy to improve and control risk across the bank’s business areas

Analysis of document business processes to enable process improvement, re-engineer and provide process mapping expertise

Involved in the IPO Investiture process for the Bank from Royal Bank of Scotland [RBS]

Undertake business analysis to deliver business requirement specifications and help to develop business cases and cost/benefit analysis and ensure the required project governance processes are met and monitor and consider project and operational risks and issues

Developing solutions and plans with technology to meet requirements where required monitoring the technology build workstream, working with the test manager to define criteria of testing and providing assistance to the test manager to ensure smooth delivery of projects

Delivering business analysis skills to support the Central Finance function on SOX, Solvency II and IMAP

Stakeholders across RBS, RBS Insurance, Group Finance and the Business Divisions successfully managed, critical dependencies on other areas managed to ensure project deliverables are met including system/s analysis


Sept 1999 to June 2011

THE CITY UK London [acquisition merger with International Financial Services in June 2010]

KEY STAKEHOLDERS include: Aviva, LBG, Ernst & Young, Barclays, RBS, Clifford Chance, HMT, FCO

Responsible for all aspects of financial management, business/ financial analysis, reporting and operations, liaising with finance team, management/stakeholders to develop business processes and documentation

Reviewing local market IFRS filings and reporting processes, M1 analysis and FX exposure, SAGE, TAS. Assisting in the review of important UK & US GAAP / IFRS adjustments, SAP, Solvency II and Basel II

Expert in leadership, mentoring, training & development, risk monitoring, analysis & operational compliance and an expert on matrix management and in complex financial transactions and leveraged transactions

Top-level business, financial and operational analysis responsibilities, capable of interpreting business data, instrumental in achievement of core business strategies, delivering best practice in financial management

Leadership of the annual business plan development and budgeting process, including financial modelling, ensuring the foundation is in compliance with relevant regulations, including filing reports and returns. Promoted a cross-functional team to deliver high standards of departmental and cross-foundation teamwork, financial management reporting for the business, including monthly, year-to-date/year-end financials

Cash and risk management, including development of cash-flow reporting and ongoing bank relationship. Supplier and vendor management, driving efficiency savings and measuring service performance and KPIs

Champions continuous improvement of accounting and financial processes, underpinning business goals, developed and controlled internal review functions, ensuring provincial and field-office level compliance. Led development of enhanced accounting policies and procedures, aligned to future business requirements


Sept 1999 to June 2011


KEY STAKEHOLDERS include: Aviva, LBG, Ernst & Young, Barclays Bank, RBS Group, Clifford Chance, HMT, FCO

Responsible for all aspects of financial management, accountancy, administration and operational leadership, appointed to advise on all strategic and operational matters relating to finance, policies/business leadership

Focused on definition and execution of a sustainable financial strategy, supporting long-term growth plans, senior-level role within the primary independent organisation representing the UK financial services sector

Acting as Company Secretary, Head of Training, delivering improvements across business administration, leadership, management and motivation of a multi-functional functional team of staff, including admin staff.

Implemented and set-up a Sage accounts system, delivering improvements on the original manual process, drove cost-reduction initiatives across the business, achieving reduced costs across mission-critical areas

Delivered two major office relocations within a period of five years, including migration of staff and systems. Instrumental in expanding the membership by over 75%, delivering increased business revenue

Developed and launched a new corporate handbook, signalling updated controls/employment law changes and successfully completed two major funding tenders from government departments, worth in excess of £4bn+


Feb 1993 to Sept 1999


Appointed to senior-level sales, finance/business management role within a specialty materials company. Focused on provision of financial support to assigned business units, advising on core financial and issues

Active member of the Health and Safety Committee, Board of Pension Trustees, Disaster Recovery Team. Supervision of accounting processes, policies and systems for businesses based across the Europe

Plant accounting, tax returns and financial / business status reporting for the Head Office in Philadelphia, PA. Ensured compliance with European Regional Accounting Centre (ERAC) requirements and GAAP policies and successfully provided regular reports on internal and external sales area profitability (SAP) to corporate HQ


Sep 1986 to Feb 1993

SES GROUP LTD London/Surrey

Appointed to senior-level financial leadership role within a leading UK-based engineering sector business, focused on formulation of credit policies, compliance protocols and financial forecasts, supporting growth

Handled budgetary management, financial forecasting and preparation of monthly debtor reporting / data, ensuring on-going business compliance with consumer/commercial credit law, including new procedures

Instrumental in delivering maximum overall profitability and return for the business from available resources and recruitment of new staff, including interviewing, selection, corporate training and personal status reports

Promoted through roles including Management Accountant, Credit Manager/Group Assistant Accountant


Apr 1981 to Oct 1983


Office Management, Foreign Dealer, Back Office, Derivatives, Securities

Education & Professional Qualifications

Academic Institution


Training Solutions Limited, Hampshire

Prince 2 Practitioner [2002)

Institute of Credit Management

MICM Qualified 1992 [FCM 2002]

London School of Business

CIMA Qualified 1989

Institute of Directors

MIoD, Member of the Institute of Directors

University College London

BA (Hons) in Accounting & Law Qualified 1986

Sydenham High School [GDST]

3 ‘A’ levels and 9 ‘O’ Level Qualifications 1981

Personal Details & Additional Information

UK Citizen. Maltese Resident. Full Maltese Driving Licence

Interests include Reading, Theatre and Travelling

Contact this candidate