Bernard S. Email & Phone Number

Malta

• Setting up the Payments Department• Setting up the company to start providing payment accounts• Compiling the Payment Policy and procedures• Providing the System Requirements for Payments Accounts• Completing a full set of test scenarios• Testing of the new payments system• Providing payment flows and Payment Journey• Creating Payment Account Application Forms• Liaising with third parties and service providers• Processing and Authorising Payments•… Show more • Setting up the Payments Department• Setting up the company to start providing payment accounts• Compiling the Payment Policy and procedures• Providing the System Requirements for Payments Accounts• Completing a full set of test scenarios• Testing of the new payments system• Providing payment flows and Payment Journey• Creating Payment Account Application Forms• Liaising with third parties and service providers• Processing and Authorising Payments• Ad-hoc tasks as assigned by management Show less

Malta

Managing the Payment and Banking Operations Department. The team consists of 35 employees and is responsible for the below areas:Payments and Account ManagementCash and ClearingBack Office SettlementsFinancial Crime ComplianceFinancial Markets InfrastructureProjects (ECB & Internal) & MTEUROPAY

Malta

Head of Operations PQed by MFSAResponsible for and assisting in:OperationsPayments processing and maintenanceCustomer SupportTransaction MonitoringNew Core Banking System ChangeoverEscalating system enhancements and reportingReconciliationsFinal Onboarding StageDealing with Audits and RegulatorsAssisting in the SEPA instant project implementationInvolved in the cards projectManaging the Operations / Customer Support team

Malta

Head of Operations and PQED by MFSA.Heavily involved in the setting up the operations of a newly formed F.I in Malta and reviewing / creating the majority of policies and procedures.Heading the below areas:Operations (setting up the operations and managing all the operational tasks).Payments (Applied for BIC, own IBAN and registered with EPC plus the daily processing and queries of Swift and Sepa payments and Mass payments).Customer Support - emails… Show more Head of Operations and PQED by MFSA.Heavily involved in the setting up the operations of a newly formed F.I in Malta and reviewing / creating the majority of policies and procedures.Heading the below areas:Operations (setting up the operations and managing all the operational tasks).Payments (Applied for BIC, own IBAN and registered with EPC plus the daily processing and queries of Swift and Sepa payments and Mass payments).Customer Support - emails, online chat and phone calls.Onboarding - Doing KYC review and onboarding on system.System Development (Taking over an off the shelf system, providing loads of ideas for enhancements, testing and following up of the banking system).Entrusted with new projects such as mass payments and automation of onboarding system.Regulatory Reporting - Assisting in the submitting and compiling PS1,PS2,PS3.Other adhoc tasks as assigned by the Management Show less

Malta, St. Julians

Reporting directly to the bank's COO and Responsible for the setting up and managing of the Back Office Payments and Operations department.Duties include:Sepa and Swift Payments Nostro and suspense Reconciliations and InvestigationsATMs Treasury back office duties (including FX deals and treasury transfers)Audit RequestsInterviews & RecruitmentStaff trainingAccount openingWriting of policies & ProceduresDepartmental StatisticsLoans &… Show more Reporting directly to the bank's COO and Responsible for the setting up and managing of the Back Office Payments and Operations department.Duties include:Sepa and Swift Payments Nostro and suspense Reconciliations and InvestigationsATMs Treasury back office duties (including FX deals and treasury transfers)Audit RequestsInterviews & RecruitmentStaff trainingAccount openingWriting of policies & ProceduresDepartmental StatisticsLoans & OverdraftsTesting of new banking systemsProviding new ideas and aiding in system improvementsDirect DebitsLead the successful Application of the bank to join the Malta Clearing House Involved in SEPA Instant PaymentsInvolved in PSD 2 implementationRepresenting the bank at PSUG, MCH and Cash Meetings at CBMPart of New Products and I.T. Steering CommitteesCreated bank forms and Tariff of chargesBuilt a team of 7 employees reporting directly to me. Show less

St. Julians

Choose assets to be shifted to the funds;Assisting in the due diligence of third parties and funds we are involved in and do business with;Chase relevant fund documentation such as statements and dividend warrants;Assisting in the sub participation in assets purchased on the secondary markets – liaise with Brokers, collect relevant documentation, meeting compliance and KYC requirements, preparing input documents for booking of the assets in the banking system, and preparing memos… Show more Choose assets to be shifted to the funds;Assisting in the due diligence of third parties and funds we are involved in and do business with;Chase relevant fund documentation such as statements and dividend warrants;Assisting in the sub participation in assets purchased on the secondary markets – liaise with Brokers, collect relevant documentation, meeting compliance and KYC requirements, preparing input documents for booking of the assets in the banking system, and preparing memos for waivers to be submitted to the credit committee;Assisting the Head of Department in daily duties and requirements;Handling all the administrative duties of the department and reporting; Show less

Malta

Managing a portfolio of local and international factoring clients (export, import and purchase factoring);Assisting in corporate account opening and due diligence; Supporting and assisting clients in their daily requirements and maintaining positive relationships;Corresponding with local and foreign clients and liaising with international correspondent factors;Assisting in the presentation of credit applications and reviews including the client and operations risk assessment… Show more Managing a portfolio of local and international factoring clients (export, import and purchase factoring);Assisting in corporate account opening and due diligence; Supporting and assisting clients in their daily requirements and maintaining positive relationships;Corresponding with local and foreign clients and liaising with international correspondent factors;Assisting in the presentation of credit applications and reviews including the client and operations risk assessment, pricing and profitability analysis, and credit limit adequacy;Monitoring and reviewing the Client overall funding ceilings, the debtor’s credit limits, debt overdues, pricing conditions and operational procedures;Systematic control on the Client’s credit portfolios with stable monitoring of monthly reports;Periodically visit and meet the clients;Handling all the administrative duties and reporting of the department; Show less

Mosta & Qormi Branch

Meeting with customers and selling the bank products at the branch;Continuous communication with clients face to face and through phone and email;Attract new business by calls and proactive outside visits and meeting the set targets;Opening profiles and accounts for new and existing customers;Managing a portfolio of clients;Carrying out the necessary due diligence and AML documentation;Assisting in the purchase of government stocks by clients;Testing the new Wealth… Show more Meeting with customers and selling the bank products at the branch;Continuous communication with clients face to face and through phone and email;Attract new business by calls and proactive outside visits and meeting the set targets;Opening profiles and accounts for new and existing customers;Managing a portfolio of clients;Carrying out the necessary due diligence and AML documentation;Assisting in the purchase of government stocks by clients;Testing the new Wealth Management banking platform;Testing of the new corporate Internet Banking System;Testing of the new bank’s account opening system; Responsible for the department’s overall statistics;Responsible for the cash handling of the branch; Show less

Valletta Head Office

Opening of new relationships and personal accounts and performing the necessary due diligence;Handling Term deposit Roll-overs and interest payments;Communicate with clients by e-mail and over the phone;Involved in the new bank’s system testing and implementation; namely Finacle.Finacle

Inward and Outward Swift and Sepa payments processing and chasers.Clearing (inward,outward, special and foreign clearing)Legal-related (deceased, garnishees, attachment orders, pledges etc)Forms processing both corporate and personal (due diligence, updating, internet banking issuance, debit card orders etc)Entrusted with the testing of the New Sepa re-calling of payments system.Trained several staff and managed a project of more than 8 employees.

Handling customers' calls regarding internet banking queries and activating internet banking.

Answering telephone calls which involved taking catalogue orders, dealing with customers' queries and taking payments from U.K. customers.

Selling time codes to both local and foreign customers and assisting them in using the computer and the internet.

Preparing excel load/discharge lists, e-mail and telephone correspondence and data inputting in the company's system. In addition, I used to go aboard ships, controlling their operations, liaising with the captain and clearing vessels with the duties.

General office work and archiving accounts.

B.Com (Hons), Banking, Finance & Management, Second Upper Degree

A-Levels, Accounts And Computer, Intermediate: Maths, Economics, English And Sok

Matriculation Certificate, Obtained 17 O-Levels

Pass To Junior Lyceum And Church School