Responsible for delivery of effective business solutions that deliver value the Bank and its customers in alignment with the objectives set by Board of Directors. Product ownership, Solution design and selection, business analysis, design, process design and optimisation, project management, integrations, migrations, quality assurance, data analytics, vendor management, iterative improvements.Projects include amongst others:• Creation of an API gateway capable of controlling the interactions between a large variety of independent systems including: - A payments gateway directing payments to an array of payment networks, PSPs, correspondent banks based on rules like commercial priorities, risk management and relationships with vendors - Alerts and notifications- Synchronisation of data across systems to eliminate silos and attaining consistency with respect to data management• Introduction of payment methods like SEPA payments and upgrade of TARGET 2 payments to the modern ISO20022 MX standard• Upgrades of the to the internet banking platform, core banking system, and payments hub software• Transaction Monitoring Solutions for money laundering and terrorist financing risk management• Replacement of the Bank's KYC/KYB risk management system

Responsible for the Bank's operations and have taken these responsibilities:- Implemented the strategic initiatives of the Bank- Coordinated departments for smooth execution- Aligned processes with values and strategies - Enhanced service delivery- Mitigated Operational Risks- Optimised Processes- Allocated Resources to achieve strategic objectives- Co-ordinated of product creation and deliveryIn the Business Operations team, the department members were responsible for:- Payment Operations- Data Input Operations- Internet Banking Back Office Operations- Account Management- Term Deposit Product- Quality Assurance and User Acceptance Testing- Reporting- 2nd Level Customer SupportIn Data Protection:- As a DPO I advise on data protection, privacy concerns and compliance with the GDPR and am registered as the DPO with IDPC

A start-up operation in the process of obtaining a license from MFSA and aspiring to launch an eWallet, card issuing services, card payment acquiring, and credit cards. In this context:- Responsible for Product, Corporate IT Strategy-Compliance-Risk Management, Automation, Quality and Business Operations. - End-to-end shaping of the pipelined fintech products ensuring compliance with regulatory laws and industry standards- Design of the software product and tools to be consumed by the customers and by the internal staff members - Business Planning and Modelling, business analysis, competitor analysis, transformation of business models into policies, processes, custom-developed tools and HR Plans amongst others.- Recruitment of staff in fintech operation - IT, Business Operations- Procurement of outsourced services: Technology Providers, Call Center, Financial Services Partners.- IT/Product Risk Management, Incident Response and Business Continuity planning and execution- Creation of Policies & Procedures & Regulatory Reporting: MFSA and Central Bank Questionnaires, Risk Register, IT, Cyber-Security, Business Operations: Alignment with laws of Malta, PSD2, AML and CFT laws, PCI-DSS standard and other frameworks.

Context:EPG is a licenced Financial Intitution operating as a Payments Institution and as an eMoney Institution (EMI)Responsibilities:- Responsible for eWallet Operations, Payments Operations, Merchant Onboarding, Partner Onboarding and KYC Operations.- Process Design and Implementation with careful address to governance principles- Liason with all departments: Compliance, Finance, Risk, Sales, Marketing and C-Level Management- Direct report to CEO- Contribution to business plan writing for EMI licence- Billing, reconciliations, reporting and transaction monitoring for a large variety of supported payment methods.- Insight of relevant and new laws: PSD2, 4AMLD, GDPR, FIAU Implementing Procedures, ...- Knowledge Management and Business Continuity concerns- Formulation of company Policies and Procedures, Manuals- Product Design of custom eMoney product delving into all aspects including 100% digital account opening (Customer Registration and Onboarding/KYC), Strong Customer Authentication, Market Assessment, Risk Profiling, Fraud Monitoring, Billing, Funding and Payout Methods, Fee Design, Transaction Types, Transaction Flows, Security, Governance, Customer Care, Dispute and Complaints Management, Procurement of complimentary 3rd party IT systems and of other services, and so much more- Re-designed merchant onboarding process in its entirety. Supportive tools: WebShield, Odoo, ProcessStreet- Introduced new Enhanced Due Diligence strategy for smoother onboarding- Principles of Risk-Based Approach, Continuous improvement, Agility, Precision and Timeliness are heavily promoted within the department- My department functions under the Business Process Organisation framework for efficient and effective operations. Supportive tools: Process Street, Wunderlist, Confluence- Delivery of training for teams stationed both in Malta and Frankfurt- Industry events attended: Gauselmann group fairs, Sigma (Malta), ICE (London), soon iGB Live (Amsterdam)

- Managing and Developing eBusiness projects: Custom Information Systems, mobile apps, automation, data reporting, business intelligence, eCommerce Websites and also marketing material like social network pages, websites and branding- IT Consultancy and Auditing- Technology Products in a broad range of industries including highly regulated industries: Financial Services and Bio-informatics among others.

Shift4 (formerly Credorax and Finaro) is an international acquiring bank, specialised in smart and tailor made e-commerce solutions, a registered financial institution with Malta's FSA, principal member of card schemes Visa and Mastercard, PCI compliant, established in the US, Malta, Israel and the UK.Roles and responsibilities included:A) Project ManagementB) Data Mastery - Business Intelligence ManagerC) Product OwnershipD) Business Systems Analysis, Business Process EngineeringE) Software Development Management and LeadershipF) Database Design and ArchitectureG) IS Auditing

Teaching Portfolio - http://computingteacher.wordpress.com/Roles and Responsibilities:- BSc (Hons) IT, Software and Networking, Higher National Diploma and National Diploma Lecturer - Dissertation and Software Project Mentor- Creator of Syllabus and of Learning Material for both the student and the teacher- Project Management of Software Project Dissertations- Creator of assessment material and standardized assessment criteriaAmongst others, here is a list of subjects lectured:- Software Development at all levels and with various technologies (C#.NET, ASP.NET, PHP, Javascript, JQuery, XHTML, CSS, XML)- Database Architecture and Design (MySQL, MS SQL Server, Oracle, MS Access)- Database Development (MySQL, MS SQL Server, Oracle)- Systems Analysis and Design- Software Architecture- Project Management

At Webcraft I have managed, designed and developed all sorts of business-oriented systems ranging from auction sites, regular eBusiness websites, eGovernment Services, Payment Gateway Information Systems and Decision Support Systems for banks and internet service providers, content management systems, hospital knowledge management systems, financial accounting systems and many other forms of simpler websites.