Areas of specialization:- Asset Quality Review- Basel III and Banking Capital Requirements Regulation- SREP Transformation- Recovery Planning- ICAAP, ILAAP, and risk and controls assignments- Process flow documentation- Stress testing and live simulation exercises- Internal auditBackground and Indicative experience:I have approximately 12 years of experience in risk, regulatory and audit, primarily in the banking and investment services sectors. Key assignments include:SREP Business model, internal governance, controls, and ICAAP transformation: Currently advising various banks on the governance structures, entity level controls, BCBS 239 principles, and transformation of the ICAAP and ILAAP processes of a systemic bank into management tools.Central Bank of Malta, MFSA, and Ministry of Finance stress simulation exercise:Exercise to simulate and report on the reactions of each involved party in a situation of financial turmoil.AQR and Stress Test support to MFSA and ECB:Full scope PMO and Quality Assurance of a country wide project with three systemic banks in Malta, including the identification and reporting of shortcomings. Review and drafting ICAAP and ILAAP reports for various banks:Reviews of ICAAP and ILAAP reports prepared by banks to assisting with designing and drafting the ICAAP/ ILAAP process. AQR provider for a domestic systemic bank:Full scope AQR in 2015 on behalf of the MFSA and ECB, forming part of the bank’s Comprehensive Assessment.AQR methodology design for the Bulgarian National Bank:Currently engaged to assist the Bulgarian National Bank with the AQR methodology design, templates development, and Recovery Planning templates design for 22 Bulgarian banks.Recovery plan for a domestically significant bank: Recovery plan for a domestically significant bank in compliance with the requirements of the BRRDRisk and Recovery Planning training to the BoD of systemic banks and core domestic banks

This involved carrying out audits in various industries however during my last few years in audit I specialised in audits of clients within the Financial Services Industry. Key audit engagements include:Audit of Bank of Valletta plcInvolved on the audit for 4 years running, carrying out controls and substantive testing, and disclosures audit including regulatory pillar 3 disclosures. I was involved in all key areas of the audit including the credit portfolio audit, the financial markets audit, and liabilities audit.Secondment to Deloitte London B&S departmentSeconded for one busy season to the banking securities department of Deloitte London and involved on the audits of a multinational bank and various other banks and investment firmsFull scope statutory audits of various local banks