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Work History

APS Bank Plc

October 2021Current

Head of Transformation

Evolution of previous position as Head of Business Transformation taking on a wider remit and reporting directly to the CEO. 

In addition to the duties and remit of the previous position, remit has been expanded to look into the business architecture, present recommendations in relation to organisational structure and take a wider approach in identifying and eliminating operational inefficiencies group wide. The role also include  devising and executing initiatives that support the culture change and drive towards achieving the business strategy. 

Some such initiatives that have been instituted and being driven by the Transformation team in conjunction with the rest of the business are:

7 Day Challenge: An initiative to encourage and include all members across the business to be part of the transformation by suggesting quick improvements that can be executed within 7 days, with those executing such sharing in the direct rewards and benefits.

Learning titbits: Whilst a lot of advances are made through the introduction of new tools and technology it was observed that most end users would not be aware of the full functionality available to them that could help them work better. A program to create and publish bite sized tips was launched with such content created and published by the Transformation team. 

Process Framework: Processes play a big part in keeping the operations of a large organisation running smoothly and it is important that processes are not written or reviewed from one department's angle but from a more holistic angle to ensure that all steps are of value and that the output of one process is an input to the next. Through implementing a framework that permits a holistic view not only enables more efficient processes but provides better governance , enables clear roles and responsibilities and contributes to the breakdown of any silos not to mention reduces the running in time for any new joiners. 

APS Bank Plc

May 2019Sept 2021

Head of Business Transformation

The mandate of this position is to plan, drive and lead the business and culture change
programme ensuring alignment of people, processes and technology to deliver a simpler and more personal customer journey/experience to APS Customers, whilst at the same time deliver operational efficiencies.

Heading both the Business Process Re-engineering team (BPR) and the Portfolio, Programme and Project Management team (3PM) at APS Bank, I have embarked on a journey of the transformation at APS Bank. Through the BPR team we analyse critical processes from an end to end perspective to simplify, automate and modernise them. Following which these projects are then executed through 3PM which also governs the full portfolio of the Bank's projects allowing the team a 360 view. 

This method  has allowed us to significantly reduce the customer on-boarding time, centralised back-office processes, and modernise the collection of information from our customers whilst remaining compliant with all the regulatory obligations required of a Bank.

Duties within this role include but are not limited to: 

  • Business process design and re-engineering
  • Project risk identification, quantification and mitigation
  • Project prioritization and scheduling
  • Capacity planning across all bank resources for project implementation purposes. 
  • Reporting and escalating to the Executive committee
  • Putting forward recommendations to gain efficiencies, streamline and simplify our customer experience
  • Contributing to the formation of the Bank's strategy. 


April 2017 April 2019

Head of Governance, Risk & Compliance and Data Protection Officer (DPO)

The mandate of this position is to align the processes, organisational structures and company culture to conform with the principals, policies and frameworks as mandated by senior management, using resources such as information, services, infrastructure and applications, people, skills and competencies, all while ensuring business continuity without excessive bloat and waste.

Through the design of processes the GRC department introduces a level of governance across the business following ITIL principles. The risk introduction or mitigation is identified and tracked across all processes whilst compliance is ensured via internal audits of the same processes. 

Governance is also applied by sitting in on the various boards and groups within the company, to ensure that all products, changes and initiatives are in line with the company strategy and to safeguard the business. 

Complimentary responsibilities include chairing the company security board, participating in product council, mentoring, training and leading compliance projects such as GDPR (General Data Protection Regulation). 

Within this position and in conjunction to leading the GDPR compliance project, I have also taken on the role of Data Protection Officer (DPO) for NetRefer. The risk based approach as mandated within the Regulation fits perfectly into the GRC portfolio, ensuring that all processes, technologies and other resources including human have in place a privacy framework cross company that provides guidance as well as support. 

Duties within this role include but are not limited to: 

  • Business process design and re-engineering
  • Risk identification, quantification and mitigation
  • Internal audits in relation to compliance to internal processes and policies
  • Translating legal regulations or directives into processes as well as technical requirements for system compliance for consumption by the product owners and developers. 
  • Conducting due diligence on 3rd parties to ensure suitability.
  • reviewing and providing input to the organisations' legal documents. 
  • Participation in incidents, to manage risk and provide guidance accordingly. 
  • Monitor the industry for any developments that might impact the risk exposure of the company. 
  • Introducing controls across the company through the various processes, internal systems and workflows to reduce risk, promote quality and security as well as ensure compliance. 

NetRefer 2017 Smart Studios 2018


Malta Innovation Summit - Conference co-ordinator

As a side project within NetRefer, I was responsible for the organisation of the Malta Innovation Summit. A national scale conference targeting over 300 people with the aim of bringing all innovation stakeholder in Malta under one roof, to discuss and learn about innovation and innovation management. 


Aug 2015March 2017

Head of Programme Management

Heading the Program management department I oversaw the coordination and administration of all aspects of an ongoing programmes including planning, organizing, and controlling programme activities. The programme mandate is drafted by senior management and is then handed over to the programme manager for execution and to ensure that there are no conflicts with other company programmes or initiatives. 

Programmes are company wide initiatives that involve management over a number of teams. The programme management department is also in charge of all processes company-wide, both when drawing them up and their enforcement together with the relevant departments heads and managers. To this effect Problem Analysis and identification is a major part of Programme Management to ensure that problems be it of a technical or operational level are tackled and controlled via set processes and procedures. 

Programme management also leads and promotes security initiatives and heads the company's Security Board. In this role I was also responsible to the maintenance, setup & configuration of the Atlassian Suite of products used by the company namely JIRA, Confluence, CROWD and JIRA Service Desk. 


Apr 2014Aug 2015

Senior Project Manager

In this role I managed internal and operational projects, conducted operational analysis and implemented company wide changes to improve the operational processes and ensure that our operations are cost effective. I worked closely with the COO and act as his right hand to deliver analysis and suggestions for changes and tweaks in the workflows, company policies, general procedures and security procedures. I was also head the security board which was also formed upon my suggestion to ensure that security is taken seriously and with a holistic outlook.

Within this role at NetRefer, I also handled release deployments in order to assign resources and ensure that there are no conflicts with other duties and projects on-going at the time. 

RS2 Software Plc

Jun 2011Mar 2014

Project Manager

Prior to NetRefer I worked for 6 years at RS2 Software where I have worked on various projects over the world. My largest client was First Data Brazil, for whom I handled change management and client relationship. In addition I have worked with large service providers in the Middle East, Nordic banks and consulted on several other projects. 

At RS2 I have gained experience in various areas of the Payments business such as dealing with Card Schemes such as VISA, MasterCard and JCB, working with startups, going through online certifications and implementing local card scheme products amongst others. I have been fortunate enough to work on projects both on the acquiring side and on the issuing side. 

RS2 Software Plc

Jul 2008Jun 2011

Business/Systems Analyst

As a business systems analyst at RS2 I was in constant communication with our clients, gathering requirements and designing solutions to fit those requirements within RS2's product, BankWorks. 

At RS2 I was also the expert on their BankWorks General Ledger module and provided set-ups, customizations and training to clients around the world. 



The International Association of Privacy Professionals


Certified Information Privacy Manager (CIPM)

The International Association of Privacy Professionals


Certified Information Privacy Professional/Europe (CIPP/E)

License 11572032

Link to online certificate

Castille Institute


Advanced Operations Risk

License 2016-013 CI/2017/AOR/0012

Alison - Free Online Learning


Fundamentals of Corporate Management

License 193-4587323

International Safety Training College

Apr 2015Apr 2015

Basic Fire Awareness

License: 27998




Foundation and Practioner



Data Protection

Understanding of the latest European data protection regulations with the ability of translating legal documents into functional requirements. 


State of being efficient or methodical.

Multi tasking

Deal with more than one task at the same time

Change Management

the management of change and development within a business or similar organization.

Business Process Re-engineering

The analysis and redesign of workflows within and between enterprises in order to optimize end-to-end processes and automate non-value-added tasks.

Problem Solving

The process of finding solutions to difficult or complex issues.

Risk Management

(in business) the forecasting and evaluation of risks together with the identification of procedures to avoid or minimize their impact.

Operations Management

The administration of business practices to create the highest level of efficiency possible within an organization.

Business/ Systems Analysis

The analysis of an organization or business and the documentation of   its business or processes or systems, assessing the business model or its integration with technology.

Project Management

The application of processes, methods, knowledge, skills and experience to achieve the project objectives.

Language Portfolio

Client Portfolio