Risk Management Quality Assurance
Resume:
Personal Details
Location
Malta [Willing to work Remotely]
Mobile
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Profile
I am an experienced Finance Controller, Financial Director, CFO, COO and Business Strategist working in the iGaming [B2B], Financial Services, Banking and Insurance areas. I am an experienced FP&A and in Commercial Strategies and recurring Revenue Businesses within the Financial Services. I am an expert in IFRS Accounting, GAPSME and Tax Computations. I have a degree in Accounting and Law. I am a qualified accountant, Certified Institute of Management Accountants [CIMA] and a Fellow of the Institute of Credit Management [FCM]. I am proficient in overseeing all financial aspects of an organisation, also including risk management and internal controls. As a great leader, building a robust financial function and team that will support an organisation’s rapid growth and strategic objectives.
In 2011, I became a Consultant/Contractor, going into different companies [like Mazars] to do some very intense projects and when they were finalised, I moved on to the next contract. I am now looking for a fresh new full time permanent role. Having worked in London as an Analyst including Liquidity and Treasury, I possess strong analytical and problem-solving skills, quantitative and qualitative and I am used to running several projects simultaneously. I like to make a difference and I am tenacious, loyal and extremely IT literate.
In 2018, I moved out to Malta and have had a number of contracts such as Head of Finance, Commercial, Compliance, Regulations, Operations, Risk and iGaming with significant experience in Maltese (MGA/MFSA/FIAU/MBR) Regulation in multiple jurisdictions [MGA, UKCG, KSA, SGA, Curaçao and GGL]. Going into different Companies, start-ups and ‘troubleshooting’ to make sure these Companies were Compliant and Financially on track. I am a highly motivated individual with a very strong work ethic. I can bring a lot of experience and knowledge to any organisation.
Key Skills, Training & Business Capabilities
B2B Gaming, Verticals. EMIs, Lics, FP&A, Financial Reporting, Regulatory,, FCA/PRA, IFRS4-17, GAPSME, Prince 2, Agile
Tax, Risk Management 1LOD/2LOD, Compliance, Regulatory Six Sigma, JIRA, Confluence, SQL, Power BI. Tableau, ETIL, SOX,
Strategy, UK Treasury Functions, Treasury Management PSD2, MIFID II, Basel II, SMCR, Business Process Re-engineering
Industry trends, Due-Diligence, Mergers and Acquisitions Risk Analysis, Project Management, Business Analysis
Liquidity, Variable Interest Reporting / Management Investment Analysis, Separation Processes, Equity Prospectus, IPO Delivery,
Cross-Functional Team Leadership, Management Investor Relations, Daily SCRUMS, MS Office, SQL, Python
GROUP FINANCIAL CONTROLLER - DEFINITE CONTRACT
Nov 2023 to Mar 2024
LA ROYALE GAMING INVESTMENTS EUROPE LIMITED
Engaged to ‘troubleshoot’ for these start-up group [5] of iGaming Companies [B2B]. Responsible for the Financial Planning and Analysis.
Developing and continually improving budgeting, financial projections, operating forecasts and internal control of the Group. Also, responsible
for financial reporting to the board of directors, as well as compliance with government regulations and to ensure the company's financial
health by overseeing all Financial Planning and Analysis activities:
Provide financial forecasts and projections across all brands, including verticals for this B2B company
Lead and manage the budgeting process for the vertical. Identify and assess financial risks, implementing strategies to mitigate potential challenges.
Review and evaluate cash flow, income and expenses to identify opportunities. Develop and implement financial strategies to support overall objectives and growth initiatives
Collaborate with the CEO and Senior team to provide financial insights and recommendations which are aligned with the Group's overall strategy
Tracking, reporting, and analysing budget variances, reviewing the company's financial statements to ensure they are accurate
Preparing month-end reports for management, including profit and loss statements, balance sheets, and cash flow statements
Recommending changes in policies or procedures that will improve financial performance
Forecasting future financial performance and preparing and analysing budgets
Providing accurate financial reports to management and ensuring compliance with government regulations
FINANCE MANAGER - DEFINITE CONTRACT
May 2023 to July 2023
MONARCH ASSURANCE
I was engaged to oversee the Financial Planning and Analysis as well as Operations of this Insurance and Reinsurance Institution.
Ensuring that the Business is performing. Analysing and preparing reports for the Board. Reporting directly to the Board of Directors:
Responsible for the Company's long-term financial health and growth and establishing strategies that will earn profits
Oversee accounting operations, producing accurate reports on finances within the business and improve or change current practices to increase efficiency
Assessing the performance of business activities across the board, analysing a range of metrics and preparing reports for different stakeholders
Planning and implementing new commercial strategies in line with the organisation’s objectives and goals, looking to strategically accelerate growth
Completing the market research and analysis to devise detailed new business plans on new business opportunities to look at expanding and the entailed business development and building an understanding of the requirements of clients
To make sure that clients needs are fully met and maintaining strong relationships with key stakeholders
FINANCE, OPERATIONS, COMPLIANCE AND RISK - DEFINITE CONTRACT
Jan 2023 to Mar 2023
TRADEVIEW LIMITED Sliema, Malta
Responsible for the Finance [inc. Tax Management and IFRS17], Operations, Compliance and Risk functions for this Investment Management firm and their Clients. The Company offers portfolio management and advisory services to individuals, institutions, trusts, private funds, charitable organisations and investment companies:
Responsible for assessing the performance of business activities across the board, analysing a range of metrics and preparing financial reports for different stakeholders including KPIs
Planning and implementing new commercial strategies in line with the organisation’s objectives and goals, looking to strategically accelerate growth
Overseeing the Finance and Compliance for both in-house and 3rd-party funds and conducting initial and ongoing due diligence on investment funds
Provision of the Annual Financial and AML training and other training as required
Ensuring adherence of Local and Group Policies and Procedures
Responsible for the Internal and External Audits and their recommendations
FINANCE, COMPLIANCE AND OPERATIONS DIRECTOR - DEFINITE CONTRACT
Aug 2022 to Dec 2022
FORTIA INTERNATIONAL SERVICES LIMITED Birkirkara, Malta
I was engaged to oversee the Financial, Commercial, Compliance and Operations of the institution ensuring compliance with laws,
Regulatory Requirements and to produce Policies and Procedures. Reporting directly to the Board of Directors:
Introducing innovative concepts for different Clients [B2B/B2C] such as issuing of Licences, looking at a forward-looking approach by catering for regulation in connection with virtual currencies and distributed ledger technology in the gaming arena
Assessing the performance of business activities across the board, analysing a range of metrics and preparing reports for different stakeholders. Planning and implementing new commercial strategies in line with the organisation’s objectives and goals, looking to strategically accelerate growth
Completing the market research and analysis to devise detailed new business plans on new business opportunities, to look at expanding and the entailed business development and building an understanding of the requirements of customers to make sure that their needs are fully met and maintaining strong relationships with key stakeholders
To ensure that the Company’s Clients risk management policies, risk assessment profile and applications are adequately documented and maintain appropriate risk-based monitoring processes that are proportionate to the Company's operations' scale, nature, and complexity, whilst ensuring all internal suspicious activity reports received are investigated without delay
FINANCE, COMPLIANCE AND RISK - INDEFINITE CONTRACT
Jan 2022 to Jul 2022
YSG SAFE PROCESSING LIMITED, St Julian’s, Malta
Responsible for the Finance, Compliance and Risk within this iGaming, Gambling, Payments Company, including ensuring compliance with
laws, regulatory requirements, policies and procedures. Reporting directly to the Board of Directors of the organisation;
Responsible for the Finance, Compliance and Risk areas, designing and implementing an overall risk management process for the organisation, which includes an analysis of the financial impact on the company when risks occur
B2B iGaming product providing technology, software and services to our Client online gambling operators
Providing a range of products, including payment processing systems, website hosting and maintenance, content management systems and verticals
Conducting the internal investigation of compliance issues and discussing arising compliance issues with management or employees
Conducting and overseeing internal audits and reviews periodically to ensure that compliance procedures are followed
Establishing standards and implementing financial controls and procedures to ensure that the compliance/control functions [MFSA] throughout the organisation are effective and efficient in identifying, preventing, detecting, and correcting non-compliance with applicable laws and regulations
Provide reasonable assurance to senior management and the Board that there are effective operations and efficient policies and procedures in place, well understood and respected by all employees, and that the company is complying with all regulatory requirements
Informing, educating and training employees on matters that are associated with regulations and industry practices, coming up with effective plans to manage a crisis or compliance violation. Working cooperatively with external auditors and preparing appropriate Compliance Reports for the Board of Directors and regulatory bodies
Staying up to date with internal standards and business goals, ensuring and verifying that all regulatory policies and procedures have been documented, implemented and communicated
HEAD OF FINANCE, COMPLIANCE AND REGULATION - DEFINITE [Maternity Cover]
May 2021 to Jan 2022
LOCKTON INTERNATIONAL BROKERS LIMITED, Valletta, Malta
To provide solutions to business issues, advice, train and guidance to the Malta business, ensuring that Lockton European Brokers Limited
[LEBL] [Reporting into the London, UK HO] meets the regulatory and legal requirements and effectively manages Regulatory Risk to within
the Risk Appetite:
Ensure that all financial and commercial interests of Lockton European Brokers Limited [LEBL] and the statutory objectives of the regulators [MFSA and FCA/PRA] rules are met and that compliance oversight [FCA SM16] is adhered to, AML/CFT and MLRO [FCA SM17] and Quality Assurance Audit queries and SMCR
Review and maintain the Financial Operations and Policy framework ensuring Operational Risk and Risk Management is enhanced, managing regulatory and conduct risk and working with our London counterparts
Assist with Internal and External Audits, consider the impact of changes in the business from our regulators, market and the EC
Manage any breaches and complaints, annual business plans and ensure we have in place robust procedures to mitigate the risk of financial crime, money laundering, bribery and corruption
To assist the Operations, Risk and Control Committee in maintaining the Risk Management Framework, the LEBL Risk Register and the market security analysis function for the assessment/approval of insurers and intermediaries
Managing a team of 20 Associates dealing with renewals and new and ad-hoc insurance. Review new and existing products, review of delegated authorities, TOBAs and market agreements and manage any conflict of interests
REGULATORY/COMPLIANCE CONSULTANT - DEFINITE CONTRACT
Jan 2019 to May 2019
TASIKA, Santa Venera, Malta
The opportunity arose to work with Tasika on their projects [FINREP/COREP] with the Bank of Valletta [BOV] as part of their roll out of PDS2 [Dir 2015], MIFID2 and SMCR. Working with IT consultants remotely, responsible for making sure there was a smooth transition for PSD2 within the Bank. Ensuring that the Regulatory changes were compliant. Using Business Objects [BO] and other bespoke systems to implement these projects within the strict timescales
FINANCE, BUSINESS / CHANGE MANAGEMENT AND DATA GOVERNANCE - CONTRACT
April 2017 to Sep 2018
GENERALI UK [CONTRACT] London
Working as part of the IT and Risk Management teams, responsible for ensuring that the UK and Group branches [9 in total] are compliant
with the rules and regulations imposed by external regulators for Regulatory Directives, iGaming Providers and AML/CFT:
Looking at Regulatory Compliance, Data Governance, Data Quality and personal data [PII], making sure there is a program in place to record, measure, remediate and implement within agreed timescales and budget
B2B iGaming software provider, including Licences, EMIs, Payment Processing Systems and Verticals
Setting up templates across the business to capture Personally Identifiable Information [PII] and 3rd Party Contract reviews
Conducting comprehensive privacy impact assessments. Drafting and updating internal policies and procedures for GDPR
Responding to queries from the business on data protection and other Audit and Regulatory matters
Responsible for advising and supporting the sponsors and stakeholders in implementing GDPR with all respective changes required
BUSINESS / CHANGE MANAGEMENT ANALYST, FINANCE TRANSFORMATION SME
May 2016 to Apr 2017
QBE EO PLC [CONTRACT] London
Having covered a maternity cover for 12 months as Head of Regulatory, I was kept on to work on several different projects as a BA/PM in Business Finance Change Management Programmes, Data Governance, Integrations, Implementations and BAU transitioning:
Assisting with the Change Management and Business Finance Transformation Programmes, Business Operations [inc. TOM and Control Framework] and Practices
Responsible for the Lead Change Management activities, providing BA input, impact analyses, risk analysis, change readiness and business document requirements, looking at processes and continuous improvement using Lean and Six Sigma methodologies
Working with IT on systems to accommodate, technical analysis and different roadmaps
Providing the design and delivery of transitioning programmes gaining ‘buy in’ to all change management activities, by providing
Manage the delivery teams and work streams [across business areas inc. IT, Finance, Actuarial and Risk], educating and training
Responsible for the delivery of all Finance, Audit and Regulatory projects including the Faster Close and Finance Transformation projects
Hands on and detailed analysis of the ‘As is’ and ‘To be’ processes; business and change management processes that govern the
operation of the systems
HEAD OF REGULATORY REPORTING
April 2015 to May 2016
QBE EO PLC [CONTRACT] London
To assist in ensuring all existing, future Regulatory Reporting Requirements and Solvency II are met for QBE European Operations [EO].
Responsible for producing the Solvency II Pillar 3 reporting for business, coordinating inputs from actuarial, management information and finance to produce external Solvency II submissions for Pillar 3 including QRTs, SFCR and RSR, Step 1 and 2 Reviews and IMAP submission, solvency monitoring and presentation of analysis. Gap Analysis on Pillar 3 reporting requirements
Completing detailed business requirements, as required, resulting from the gap analysis, building, documenting and testing Pillar 3 reporting processes, making recommendations for process improvement and automation opportunities, assisting in the build requirements, testing mock-ups, transferring knowledge and results to the BAU Finance team
Supporting on other Solvency II deliverables, liaising with Actuarial, Insurance Accounting, Financial Reporting and Risk team members, involvement in the understanding and completion of future Solvency II reporting requirements, including Data Lineage, Data Flows and input, ETL into a Strategic Tool, Standard Formula
Responsible for the Own Funds and Eligible Own Funds calculations, reporting on the Capital Position, ECR, MCR and involvement in the completion of Ratings Agency models and ORSA dashboard, responsible for the completion of FSA regulatory Returns, PRA returns, ABI, ONS, Dubai FSA Return, assistance in the completion of Lloyd’s Quarterly and Annual US and Canadian Trust Fund Returns
Completion of the Lloyd’s QMC Return, producing finance data for TPs, development of strong relationships with managers from various departments across European Operations in order to obtain the appropriate information required, liaison with external and internal auditors, coordination of information flows across the business for various regulatory reporting requirements, assisting with ad-hoc regulatory reporting requirements, FX management and hedging, assisting with other ad hoc projects
SOLVENCY II PILLAR 3 PROGRAMME LEAD
August 2014 to April 2015
CHUBB EUROPE SE [CONTRACT] London
I was working as a BA/PM on different systems, platforms across all areas of the business, Finance, IT, Risk and Actuarial:
Detailed review of existing systems and controls in place to comply with SII Pillar 3, giving advice on adequacy of financial resources and compliance
Advising stakeholders and the wider finance team on areas of Solvency II, Pillars 1 – 3. Leading the delivery of Pillar 3 reporting solutions, including SAP BOFC and Oracle HFM
Coordinating the provision of financial reporting and regulatory reporting services, advising on detailed technical areas within finance, risk, compliance and financial/regulatory teams
Performing process reviews, end to end business re-engineering with a focus on controls, data quality, governance and compliance
Developing Pillar 3 implementation plans with key milestones for SFCR, RSR and QRT templates, reports, data field analyses and requirements, mapping and narrative building
Design management reporting/dashboard, recommending system enhancements, upgrades or interface solutions
Assess, prepare and perform Dry Runs, identifying and documenting the unique regulator requirement
SENIOR BUSINESS ANALYST / FINANCIAL CONSULTANT
February 2014 to August 2014
MAZARS LLP - CONTRACT London
Senior Consultant on Regulatory Advisory matters, responsible for providing regulatory advisory and consultancy services.
Highly motivated and knowledgeable insurance specialist with a proven track record in the areas of financial/ regulatory reporting and financial services regulation.
Advising on detailed technical areas within finance, risk, compliance and financial/regulatory teams
Performing process reviews, end to end business re-engineering with a focus on controls, data, governance and compliance
Detailed review of existing systems and controls in place to comply with Solvency II, MiFID II, PSD2 and IFRS, developing implementation plans with key milestones, advice on adequacy of financial resources and compliance
Advising stakeholders and the wider finance team on areas of Solvency II, Pillars 1 - 3 and MiFID II, leading the delivery of reporting solutions, including SAP BOFC, Oracle HFM and other leading edge reporting solutions, coordinating the provision of financial reporting and regulatory reporting services, regional and entity reporting
MI and Group disclosure, data sourcing, collection of data and aggregation methods and processes, key transformation requirements, dependencies and competencies, strategy for training requirements, training materials and roll out sessions, produce documentation on all reporting requirements, processes, methodologies and validation, build and implement BAU processes and transitionary requirements, CRDIV new regulations, including COREP/FINREP reporting, populating new CA1-5 Templates and documentation
SENIOR BUSINESS ANALYST / FINANCIAL CONSULTANT
July 2013 to February 2014
INTER-HANNOVER [Part of the Hannover-Re Group] CONTRACT London
Working as a BA/PM to assist in all ad-hoc work for the Finance Transformation / Change Projects team, looking at Reporting Systems, SII
and the Risk Management System
Produce a Gap Analysis and a TOM to support the Business Functions across Finance, IT, Risk and Actuarial departments
As-is and to-be data flows, performing data gap analysis and articulating mitigation strategies, defining and documenting data requirements, including production of data specific deliverables
Identification of End User Computing applications and defining solution options and mitigation strategies
Identify where there are risks, assess and mitigate risk in accordance with the organisation’s Risk Appetite Scope and prepare a Solvency II Pillar 3 Requirements and Implementation Plan to meet the SII Regulatory Requirements
Ensure that there is a robust plan in place to clearly set out the processes to meet the requirements, liaise with Senior Stakeholders across all Departments Ensuring all business analysis deliverables are completed in accordance with established processes, practices and procedures, and meet pre-defined standards of quality, identification of design gaps, resolution of issues and key decisions
Qualitative and Quantitative Analytics, Annual and Quarterly Reporting Templates for Group and Solo Regulatory Reporting
Solvency and Financial Condition Report (SFCR) and Regularity Supervisory Report (RSR) Reporting Process, QRT Mappings and Build Out of complex Actuarial Reports, Working with Actuaries to complete QIS5 Template for Standard Formula and Internal Model and analysis of change in the Solvency Capital Requirement, review of Chart of Accounts to summarise and align for SII Consolidation Reporting, SAP BOFC Consolidation for SII Reporting, preparation of SII Solo/Group Balance Sheet, data requirements for the SCR
FINANCE MAJOR CHANGE PROGRAMMES, SENIOR PROJECT MANAGER/BUSINESS ANALYST
June 2011 to July 2013
DIRECT LINE GROUP [previously ROYAL BANK OF SCOTLAND] [CONTRACT] London
Working as a Senior PM/BA in all areas of the business, working on their digital platform:
Reviewing different operating environments and business solutions to ensure a smooth integration process
Strategic Change and Project Manager delivering projects/programmes to time, within budget and quality
Excellent relationship management skills developed through working with cross-divisional teams and departments
Strong problem-solving, statistical and analytical skills, with wide cross-functional experience
IT System Design Solution, Operations, Product Development and Training
Involved in the IPO process for the Bank from Royal Bank of Scotland [RBS]
Undertake business analysis to deliver business requirement specifications and help to develop business cases and cost/benefit analysis
Ensure the required project governance processes are met and monitor and consider project and operational risks and issues
Delivering business analysis skills to support the Central Finance function on SOX, Solvency II and IMAP
Stakeholders across RBS, RBS Insurance, Group Finance and the Business Divisions successfully managed, critical dependencies on other areas managed to ensure project deliverables are met including system/s analysis
FINANCE DIRECTOR, OPERATIONS & PROJECT CONSULTANT
Sept 1999 to June 2011
THE CITY UK London [acquisition merger with International Financial Services in June 2010]
KEY STAKEHOLDERS include: Aviva, LBG, Ernst & Young, Barclays, RBS, Clifford Chance, HMT, FCO
Liaising with finance team, management/stakeholders [Part Public/Private Sectors] to develop business processes and documentation, reviewing local market IFRS filings and reporting processes, M1 analysis and FX exposure, SAGE, TAS
Assisting in the review of important UK & US GAAP / IFRS adjustments, SAP, Solvency II and Basel II
Expert in leadership, mentoring, training & development, risk monitoring, analysis & operational compliance, matrix management and in complex financial transactions and leveraged transactions
Leadership of the annual business plan, operational development and budgeting process, including financial modelling, ensuring the foundation is in compliance with relevant regulations, including filing reports and returns
Promoted a cross-functional team to deliver high standards of departmental and cross-foundation teamwork
Financial management reporting for the business, including monthly, year-to-date/year-end financials, risk management including development of cash-flow reporting and ongoing bank relationship
Supplier and vendor management, driving efficiency savings and measuring service performance and KPIs, championing continuous improvement of accounting and financial processes, underpinning business goals
Developed and controlled internal review functions, ensuring provincial and field-office level compliance, led the development of enhanced accounting policies and procedures, aligned to future business requirements
FINANCE DIRECTOR & OPERATIONS, CFO/COO
Sept 1999 to June 2011
INTERNATIONAL FINANCIAL SERVICES, LONDON London
KEY STAKEHOLDERS include: Aviva, LBG, Ernst & Young, Barclays Bank, RBS Group, Clifford Chance, HMT, FCO
Focussing on the definition and execution of a sustainable financial strategy, supporting long-term growth plans, senior-level role within the primary independent organisation representing the UK financial services sector
Acting as Director of Finance and Operations, Company Secretary, Head of Training, delivering improvements across business administration, leadership, management and motivation of a multi-functional functional team of staff, including admin staff
Implemented and set-up a Sage accounts system, delivering improvements on the original manual process, drove cost-reduction initiatives across the business, achieving reduced costs across mission-critical areas
Delivered two major office relocations within a period of five years, including migration of staff, systems, instrumental in expanding the membership by over 75%, delivering increased business revenue
Developed and launched a new corporate handbook, signalling updated controls/employment law changes and successfully completed two major funding tenders from government departments, worth in excess of £4bn+
EUROPEAN REVENUE & NET SALES MANAGER
Feb 1993 to Sept 1999
ROHM & HAAS INTERNATIONAL London/Surrey
Appointed to senior-level sales, finance/business management role within a specialty materials company, focused on provision of financial support to assigned business units, advising on core financial and issues. Active member of the Health and Safety Committee, Board of Pension Trustees, Disaster Recovery Team. Supervision of accounting processes, policies and systems for businesses based across the Europe
Plant accounting, tax returns and financial / business status reporting for the Head Office in Philadelphia, PA. Ensuring compliance with European Regional Accounting Centre (ERAC) requirements and GAAP policies. Successfully provided regular reports on internal and external sales area profitability (SAP) to corporate HQ
FINANCIAL CONTROLLER
Sep 1986 to Feb 1993
SES GROUP LTD London/Surrey
Promoted up to roles including Management Accountant, Credit Manager and Group Assistant Accountant. Appointed to senior-level financial leadership role within a leading UK-based engineering sector business, focused on the formulation of credit policies, compliance protocols and financial forecasts, supporting growth. Handled budgetary management, financial forecasting and preparation of monthly debtor reporting / data. Ensuring ongoing business compliance with consumer/commercial credit law, including new procedures
Instrumental in delivering maximum overall profitability and return for the business from available resources, recruitment of new staff, including interviewing, selection, corporate training and personal status reports
RETAIL BANKING - FAST TRACK
Apr 1981 to Oct 1983
BARCLAYS BANK PLC London
Office Management, Foreign Dealer, Back Office, Derivatives, Securities
Education & Professional Qualifications
Academic Institution
Qualification
Training Solutions Limited, Hampshire
Prince 2 Practitioner [2002)
Institute of Credit Management
MICM Qualified, 1992 [FCM, 2002]
London School of Business
CIMA Qualified, 1989
Institute of Directors
MIoD, Member of the Institute of Directors
University College London
BA (Hons) in Accounting & Law, 1986
Sydenham High School [GDST]
3 ‘A’ levels and 9 ‘O’ level qualifications, 1981
Personal Details & Additional Information
UK Citizen. Maltese Resident. Full Maltese Driving License
Interests include Reading, Theatre and Travelling
Contact this candidate