My area of expertise primarily focuses on Investment Services however I have also garnered relevant knowledge and proficiency in the fields Banking & Insurance. One of my primary roles entails keeping abreast with the EU and local regulatory changes in the fields of banking,insurance and investments. As part of my role I review developments in the Directives, Acts and Legal Notices issued for each kind of financial service in order to keep in touch with any developments whilst furthering my knowledge in the financial sphere. I attend meetings with clients and/or potential clients who are interested in setting up a financial activity in Malta and provide them with an explanation of the local regulatory framework and the benefits of setting up their organisation in Malta. Should the client wish to set up his/her operation in Malta I aid them during the application stage for a Licence with the Regulator by compiling the necessary documentation for submission to the MFSA, following up any queries from the Regulator and provide guidance to the client on regulatory issues throughout the application as well as post application. I am the direct point of contact between the Regulator and the clients in order to ensure that the application process is fulfilled in the least possible time. Furthermore I am the point of contact for all staff members with respect to regulatory issues and I aid the audit teams by taking part and performing the regulatory audits of the financial institutions which are within the company's portfolio.

My role as manager was to evaluate the applications received by the Securities Unit for the setting-up of Professional Investor Funds, UCITS Schemes and Investment Services Licence Holders. The process entailed performing reviews of the applications, personal questionnaires of the Board of Directors, Qualifying Shareholders and/or Investment Committee members of the Scheme, undertaking due diligence enquiries on individuals and foreign entities ­ were necessary - and ensure that the structure being proposed was set up in accordance with the respective laws, regulations and guidelines. I was also responsible for the compilation of the Unit's monthly report which entailed compiling statistical and non-statistical data which resulted from the monthly operations of the Unit. I was also entrusted with the preparation of the Unit's Budget as well as other statistical data including the compilation of the monthly Net Asset Value report to be sent out to the industry for information. I was also involved in the development and implementation of new industry guidelines and procedures as well as internal work practices. My role also involved aiding the compliance team during statutory and non-statutory compliance visits in order to establish whether the organisation is performing within the limits of its licence and adhering to the relevant rules and legislation.

My role as a junior auditor with the company is to perform part of the audit on the funds and sub funds of the various banks, bank audits as well as small company audits. I performed two audits, including liquidation on two small ITC (International Trading Companies). This involved preparing, planning and performing the audit by me whilst liaising with the respective manager and/or partner. I have worked on the interim and final audits of Turkiye Garanti Bankasi (Malta) Branch as well as Izola Bank Malta.

During my internship at Deloitte & Touché Luxembourg I performed audits for large investment banks, namely, Bank of Tokyo Mitusbishi, Mizuho Bank, KB Lux Funds and Brown Brothers Harimann. My role as a junior auditor with the company was to perform part of the audit on the funds and sub funds of the various banks. In all of the occasions I was given two or more sub-funds to perform the entire audit. My responsibilities were the following: 1. Importing the trial balance into the computer system and performing any adjustments were necessary. 2. Perform a meticulous audit of the expenses incurred by the fund, as well as any prepayment and accruals provided for. 3. Analyze and re-calculate the N.A.V per share of the fund, determine the maximum and minimum N.A.V as well as compare results with market performance. Perform a post – balance sheet N.A.V. calculation to ensure continuity. 4. Other duties included the preparation and consolidation of various lead sheets, namely cash, equity, income and expenses. Once these were performed, a serious of tests was done by me to ensure the completeness, accuracy, valuation and existence of such balances. I also performed cut-off tests for cash and equity. 5. Whenever it was necessary, I obtained the relevant trade tickets, bank confirmations, stock broker and other third party confirmations to ensure that the figures being presented to us by the management accounts were correct. 6. I also learnt how to use the Bloomberg computer system, which enabled me to obtain relevant information for the funds that I was auditing. 7. I was also responsible for the preparation and/or correction of a document called “The Long Form Report”. This is a separate document required by Luxembourgian Law to provide an in-depth analysis of the fund/s performance. It also shows the compliance of the fund with the local law.

Responsible for accounts payable, local and foreign cash reconciliation and assisting the Information Technology manager. Responsible for supervision and delegation of duties to part-time accounts clerks within the organization.

Responsible for checking and inputting of invoices.