Following the significant developments in banking supervision, this year’s Joint Banking Supervision - Resolution Conference brings together industry leaders, regulators, and stakeholders to explore the evolving landscape of prudential oversight and resolution frameworks. The event underscores the MFSA’s commitment to fostering a resilient banking sector capable of withstanding new challenges while ensuring an orderly resolution process when necessary.
Day One will focus on the MFSA’s Supervisory Priorities for banks, with discussions centred around climate risk, enhancing data quality, and reporting standards, and the MFSA’s expectations regarding the authorisation process of banks. The Conference will address certain crisis readiness and management related matters, including the new Bank Liquidation Legislation, developments in connection with the Crisis Management and Deposit Insurance (CMDI), resolvability assessment (RA) and the multi-annual testing programme (MATP). These are key components that strengthen the stability of the banking sector, protect the wider economy, and to also protect the taxpayers. The day will conclude with a focus on the collaboration between banking supervision and resolution authorities, highlighting the synergies essential for robust financial stability.
Day Two will put more emphasis on the 10-year anniversary of the Single Resolution Mechanism (SRM), regulatory simplification, burden reduction, and proportionality - important themes aimed at making supervision more efficient and tailored to the diverse banking landscape. Sessions will cover Internal Liquidity Adequacy Assessment Process (ILAAP), stress testing techniques, the CRD 6 regulatory package and emerging geopolitical risks impacting banks.
Through this joint conference, the MFSA aims to enhance transparency around supervisory and resolution expectations, encourage preparedness for forthcoming regulatory changes, and foster dialogue that supports both financial resilience and the orderly management of banking crises.
Who Should Attend
- Banks' Chairpersons
- Banks' CEOs
- Banks' CROs
- Banks' Compliance Officers
- External Auditors
- Advisory Firms
- Regulatory Bodies
Agenda
| 08:30H | Registration & Welcome Coffee | |
| 09:30H | Opening Statement
Mihaela Stancea - Manager, Banking Supervision, MFSA |
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| 09:40H | Keynote Speech
Jesmond Gatt - Chairman, MFSA |
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| 09:50H | Keynote Speech
Michelle Mizzi Buontempo - Chief Officer Enforcement, MFSA & SSM SB Member |
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| 10:10H | Keynote Speech | SSM Supervisory Priorities
Thijs van Woerden - Director General, Horizontal Supervision, ECB |
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| 10:30H | Panel Session | MFSA Supervisory Priorities for Banks
Anna Zioura - Manager, Banking Supervision, MFSA (Moderator) Thijs van Woerden - Director General, Horizontal Supervision, ECB |
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| 11:10H | Q&As | |
| 11:20H | Coffee Break | |
| 11:50H | Presentation | Climate & Environmental Risk - Best Practices
Anabel Armeni Cauchi - Deputy Head, Banking Supervision, MFSA |
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| 12:10H | Supervisory Reporting | Measuring Performance, Driving Quality and Delivering Value for Banks and Supervisors
Tomasz Kolbuszewski - Senior Manager, Banking Supervision, MFSA |
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| 12:30H | Presentation | MFSA Expectations for the Authorisation Process
Kevin Aquilina - Deputy Head, Banking Supervision, MFSA |
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| 12:50H | Lunch | |
| 14:00H | Presentation | Bank Liquidation Legislation
Daniela Aquilina - Manager, Resolution, MFSA |
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| 14:20H | Panel Session | Banking Supervision and Resolution Function Cooperation
Charlotte Cini - Senior Manager, Resolution, MFSA (Moderator) Mario Baldacchino - Deputy Head, Resolution, MFSA |
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| 15:00H | Q&As | |
| 15:10H | Presentation | Resolution Going Forward - CMDI, Resolvability Assessment and the Multi-Annual Testing Programme
Lynn Spiteri Dalmas - Deputy Head, Resolution, MFSA |
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| 15:35H | Concluding Remarks
Mihaela Stancea - Manager, Banking Supervision, MFSA |
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| 08:30H | Registration & Welcome Coffee | |
| 09:30H | Opening Statement
Mihaela Stancea - Manager, Banking Supervision, MFSA |
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| 09:40H | Keynote Speech
Catherine Galea - Head, Banking Supervision, MFSA |
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| 09:50H | Keynote Speech
Christian Buttigieg - Head, Resolution, MFSA |
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| 10:10H | Keynote Speech | SRB Strategic Priorities
Dominique Laboureix - Chairperson, SRB |
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| 10:30H | Panel Discussion | 10 Years of the SRM
Michelle Mizzi Buontempo - Chief Officer Enforcement, MFSA & SSM SB Member (Moderator) Dominique Laboureix - Chairperson, SRB |
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| 11:10H | Q&As | |
| 11:20H | Coffee Break | |
| 11:50H | Presentation | Compliance Outcomes Based Supervision for LSIs
Jana Pace Hili - Senior Manager, Banking Supervision, MFSA |
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| 12:20H | Presentation | The EU Banking Package in Motion: Transposition and Implementation
David Baldacchino - Senior Manager, Banking Supervision, MFSA |
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| 12:40H | Presentation | Geopolitical Risk-Driver
Nikolaos Grapsas - Deputy Head, Banking, MFSA & SSM SB Alternate Member |
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| 13:00H | Lunch | |
| 14:15H | Keynote Speech
Francois-Louis Michaud - Executive Director, EBA |
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| 14:35H | Panel Session | Simplification, Burden Reduction and Proportionality
Anabel Armeni Cauchi - Deputy Head, Banking Supervision, MFSA (Moderator) Francois-Louis Michaud - Executive Director, EBA |
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| 15:15H | Q&As | |
| 15:30H | Concluding Remarks
Christopher P. Buttigieg - Chief Officer Supervision, MFSA |
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Registrations
The Authority encourages interested participants to register here by not later than Monday 2 February 2026. Registration is on a first come, first served basis.
Participants who attend will be eligible for CPD hours.
Photos and videos will be taken during the event with the intent to publish this material on social media channels and website.
By registering, one would be granting consent to the data being used.
Speakers
Chairman, MFSA
Jesmond Gatt
Jesmond Gatt was appointed as Chairman of the Board of Governors of the Malta Financial Services Authority in 2023. Mr Gatt joined the Central Bank of Malta in 1984, graduating in Mathematics and Computing at the University of Malta in 1995. During his career at the Bank, which spans over 37 years, he has worked on all major IT projects holding the position of Chief Officer responsible for retail banking services, management of currency and the regulation of payment systems and infrastructures. He formed part of the core financial sector team which oversaw the changeover to the Euro in Malta in 2008. Since Malta became part of the European Union he has been a member of a number of Euro system and European Commission committees working on payments systems and the management of euro notes and coins. He has also participated in a number of European Commission initiatives drawing up payment systems regulations. Since 2016 he has been sitting on the Board of the FIAU, acting as Chairman to the Board from 2020. In December of 2022 he has taken up the role of Chief Executive Officer at the Malta Government Investments.
Chief Officer Supervision, MFSA
Christopher P. Buttigieg
Prof. Buttigieg has more than twenty five years of professional experience in financial regulation and supervision. He is the Chief Officer – Supervision, responsible for the Supervision Directorate, the Chair of the MFSA’s Regulatory Committee and the AMLCFT Committee and a member of the Authority’s Executive Committee. He is responsible for the co-ordination and implementation of the supervisory and regulatory strategy across all the sectors under the MFSA’s remit. Between October 2020 and September 2021, Prof Buttigieg fulfilled the role of Interim Chief Executive Officer of the Malta Financial Services Authority. Throughout his career at the MFSA, Prof Buttigieg was responsible for managing various functions and teams. He was also responsible for the implementation of several European Directives and Regulations and the development of new regulatory frameworks at national level. Prof Buttigieg is a member of the Board of Supervisors of the European Securities and Markets Authority and European Banking Authority. He was the Chair of the ESMA Data Standing Committee (until December 2022) and a member of the EBA Task force on proportionality (2025). He is currently the Chair of the ESMA Proportionality and Coordination Committee and a member of the ESMA Management Board. Prof Buttigieg has a commerce degree (B.Com 1998), an accountancy degree (B.Accty. Hons. 2000) and a financial services law degree (M.A. Fin. Ser. 2003) from the University of Malta, as well as a European Union Law degree (M.A. EU Law and Soc 2005) and a doctoral degree in law (PhD 2014) from the University of Sussex (UK). His Doctoral thesis deals with the governance of EU securities regulation and supervision. Prof Buttigieg is an Associate Professor in the Banking, Finance and Investments Department of the University of Malta. He is also a member of the Board of Trustees of the Academy of European Law (ERA) in Trier, Germany, and a visiting lecturer at the same institution. He is an active researcher and has published various papers in reputable journals, including the Columbia Journal of European Law, the European Company and Financial Law Review, the ERA Forum, the Journal of Financial Regulation and Compliance, the Journal of Business Law and the Law and Financial Markets Review. His latest publications deals with centralisation of supervision of CASPs under the EU Markets in Crypto Assets Regulation. He is also the Editor in Chief of the Journal of the Financial Supervisors Academy, which seeks to bridge academia with financial supervision.
Chief Officer Enforcement, MFSA
Michelle Mizzi Buontempo
Dr Mizzi Buontempo has been occupying the position of Chief Officer Enforcement since March 2020, after five years heading the Conduct Supervision function within the MFSA. Michelle has over twenty years of experience in the regulation and supervision of different areas within financial services, including supervision of investment firms and fiduciaries. She represented the MFSA at various Committees of the ESAs and is a member of the ECB Supervisory Board. During her career within the MFSA, Michelle has been entrusted with the responsibility of piloting a number of projects including the setting up of a regulatory regime to enhance consumer protection in the investments and insurance sector, as well the establishment of a new regulatory framework for trustees and company service providers. Michelle regularly lectures on corporate governance and consumer protection. An advocate by profession, Michelle was awarded a Masters Degree in Financial Services from the University of Malta. She also holds a warrant to practice in the Maltese Courts. Prior to joining the MFSA, she headed the corporate division of a leading audit firm specialising in financial services.
Chairperson, SRB
Dominique Laboureix
Mr. Dominique Laboureix is Chair of the Single Resolution Board (SRB), the central resolution authority in the Banking Union, which is responsible for preparing for and managing bank crises. Working with the National Resolution Authorities (NRAs) in the Single Resolution Mechanism (SRM), its mission is to ensure an orderly resolution of failing banks with minimum impact on the real economy, the financial system, and the public finances of the participating member states and beyond. Taking up his current mandate in 2023, Dominique is in charge of the management and the work of the board in its executive and plenary sessions. In March 2025, he was appointed as chair of the Financial Stability Board (FSB) Resolution Steering Group (ReSG) and represents the SRB towards international stakeholders. He is accountable to the European Parliament and other bodies, including the Eurogroup. He was previously Secretary General of the French Prudential Supervisory Authority (ACPR), in charge of supervisory and resolution matters for banks and insurance undertakings. In that capacity, he was member of the Basel Committee for Banking Supervision (BCBS) and alternate member of the Supervisory Board of the Single Supervisory Mechanism. As co-chair of the BCBS Task Force on Evaluation, he published the report “Evaluation of the impact and efficacy of the Basel III reforms” in December 2022. Between 2015 and 2019 he was one of the founding members of the SRB. Notably, he was responsible for resolution planning and preparation of decisions for banking groups in six European countries. He chaired the EBA Resolution Committee throughout this period. Prior to that he held a number of positions in ACPR and the Banque de France, including as Chief Finance Officer and Deputy Director General responsible for setting up the French resolution directorate. Dominique is a graduate of the Institut d’Études Politique de Paris and has a masters degree in business law from Paris II University.
Board Member, SRB
Tuija Taos
Tuija Taos is a full-time Board Member at the Single Resolution Board. She is also a Director for Resolution Planning and Decisions, covering Germany, Italy, Portugal, Malta, Estonia, Latvia, Lithuania and Slovakia and the oversight of the LSI resolution planning. She took up her Board Member mandate in March 2023. Ms Taos was the first Director General of the Finnish national resolution and deposit guarantee authority (Financial Stability Authority, RVV). In addition to establishing the authority and leading the development of resolution planning and crisis preparedness capabilities from the early days, she was also responsible for the development and administration of the Finnish Deposit Guarantee System (DGS) and starting 2022 also for the setting up of the responsibility to maintain the National Emergency Account System. Prior to that, Ms. Taos made a career in the Ministry of Finance, where she worked as the Head of Unit in the Financial Market Department, responsible for the preparation of Finnish and EU financial market legislation and financial market policy. Taos joined the ministry of 1995. Ms Taos is a graduate of Master of Laws from the University of Helsinki with a post-graduate LLM degree from the University of Amsterdam.
Executive Director, EBA
François-Louis Michaud
François-Louis Michaud has been EBA’s Executive Director since 1 September 2020. He is in charge of the management of the Authority and prepares the work of its Management board. He was appointed by EBA’s Board of supervisors after confirmation by the European Parliament and reappointed for a second five-year term in 2025. He attends EIOPA’s and ESMA’s Boards of supervisors, AMLA’s General board, the Basel Committee on Banking Supervision and the European Council’s Financial Services Committee. From 2014 to 2020, François-Louis Michaud was Deputy Director General at the European Central Bank (ECB). There, he held responsibilities in the Single Supervisory Mechanism, first in horizontal and specialised supervision, then in the direct supervision of Eurozone systemic banks. As a Deputy Director in banking supervision at France’s Autorité de Contrôle Prudentiel et de Résolution previously, he was early involved in the preparations for the SSM. At the Bank for International Settlements (BIS) from 2005 to 2009, he worked as a senior economist in the Monetary and Economic Department on the global financial system’s vulnerabilities and served as the Secretary to the BIS Markets Committee during the global financial crisis. A French national, he started his career at Banque de France in 1996, where he held roles in supervision, policy and financial stability, before being seconded to the Federal Reserve Bank of New York (2004-2005). He graduated in Economics, Finance, and Philosophy.
Director General, Horizontal Supervision, ECB
Thijs van Woerden
In his role as Director General, Mr. van Woerden is responsible for the strategic direction and management of all horizontal supervision activities within the Single Supervisory Mechanism (SSM). This function involves developing supervisory methodologies, policies, and conducting industry-wide assessments and thematic reviews. Following an ECB internal restructuring, Mr. van Worden, will be assuming the duties of Director General, responsible for the supervision of Universal and Diversified Institutions in the SSM, as of 1 March 2026.
Chief Executive Officer, BOV
Kenneth Farrugia
Kenneth Farrugia is the Chief Executive Officer of Bank of Valletta Group. He sits on the Bank’s Board of Directors, chairs the Executive Committee and is a member of several management committees. Mr Farrugia is also a director on the Board of Directors of BOV Fund Services Limited, BOV Asset Management Limited and MAPFRE MSV Life plc. He is also Chair of the Malta Bankers’ Association. Mr Farrugia began his career at Bank of Valletta in 1985 and has occupied various executive positions covering the bank’s asset management, retail banking, and credit business areas. Over the course of his career, he has also held various financial services related industry positions, including Chair of the Malta Asset Servicing Association, Board Member of the European Fund and Asset Management Association, Chair of FinanceMalta, Malta’s national promotional body for the financial services industry as well as Chair of Malita Investments plc, which is listed on the Malta Stock Exchange. Kenneth Farrugia is an alumnus of Harvard Business School, having completed the General Management Program.
Secretary General, MBA
Karol Gabarretta
Karol Gabarretta is the Secretary General of the Malta Bankers’ Association (MBA), a role he’s held as from the 23rd of July, 2018. Mr Gabarretta represents the Association on various local bodies, such as the Management Committee of the Deposit Compensation Scheme, the Board of Governors of FinanceMalta and the Malta Financial Services Advisory Council (appointed by the Minister for Finance). He also sits on the Executive Committee of the European Banking Federation (EBF) as the MBA’s representative. He holds a Bachelor’s Degree in Economics (B. Comm. Econ.) and a post-graduate degree in Financial Services (M.A. Fin. Serv.) from the University of Malta. Mr Gabarretta was employed by the Central Bank of Malta (1979 – 2001) and subsequently by the MFSA (2002 – 2018) as Director (Head) of the Banking Supervision Unit. He is a former member of the ECB’s Supervisory Board (2014 – 2017). Mr Gabarretta also served as Chair of the Committee of European Banking Supervisors (CEBS) Task Force on Supervisory Disclosure (TFSD) and provided assistance within the EU Commission’s TAIEX program as an Expert on Banking Provision of Financial Service Acquis between 2010 – 2012.
Head, Banking Supervision, MFSA
Catherine Galea
Catherine Galea is the MFSA’s Head of Banking Supervision. She commenced her career with the Central Bank of Malta in 1990 before joining the MFSA in 2002 in order to pursue her career within Banking Supervision and in 2010 was assigned the responsibility of setting up the banking section within the Authorisations function. Later, Catherine was appointed as Head of Banking Supervision and was also the Malta member within the SSM Supervisory Board. From 2020 till 2023, Catherine was subsequently entrusted with setting up and heading the Supervisory Quality Assurance function within the MFSA. Throughout her career, Catherine was also responsible for transposing and implementing various pieces of EU legislation in the field of banking supervision and has led various supervisory teams and working groups within the Authority. She actively participates and represents the MFSA in various international fora. Furthermore, she is a frequent lecturer at local educational institutions on various regulatory issues, including the Capital Requirements Regulation/Directive and Risk Management. Catherine is an Associate of the Chartered Institute of Bankers (ACIB) and holds an MSc degree in Finance from the University of Leicester (UK).
Head of Resolution, MFSA
Christian Buttigieg
Christian Buttigieg was appointed Head of Resolution on 1 September 2022, leading a multidisciplinary and dynamic team. He joined the Resolution Unit in January 2017 as a senior manager and has been an integral part of the process to set up the necessary structures of the function. Mr Buttigieg actively participated in negotiations to finalise the second iteration of the Bank Recovery and Resolution Directive, which regulates the resolution process in the EU and is also the MFSA representative on the Single Resolution Board’s Plenary Committee. Mr Buttigieg joined the Central Bank of Malta in 2005 after obtaining a B.Com (Hons.) in Economics from the University of Malta. At the Central Bank, Mr Buttigieg joined the Financial Stability Department and covered various areas for a number of years. He subsequently joined the Economics Department and was involved in economic analysis and forecasting for around four years. Subsequently, he moved again to Financial Stability within the Central Bank before joining the Resolution Unit at the MFSA. He also continued his studies and obtained a Masters in Financial Economics and a Masters of Law (Banking and Finance) from the University of London.
Deputy Head, Banking Supervision, MFSA
Anabel Armeni Cauchi
Anabel Armeni Cauchi is a Deputy Head in the MFSA's Banking Supervision Function. She joined the MFSA in January 2019 and is responsible for leading the team that directly supervises LSIs in Malta, as well as for strategic stakeholder management locally and with the European Central Bank and the European Banking Authority. She is the high-level alternate on the EBA Board of Supervisors, as well as a member of the ECB's Senior Management Network and the EBA's Supervisory Risk and Innovation Committee. Anabel also chairs the MFSA Supervisory Forum, coordinating the supervisory strategy of the MFSA across all license holders. Prior to joining the MFSA, she spent more than 11 years in the Financial Stability Department of the Central Bank of Malta, where she was involved in the macro-prudential supervision of banks, insurance companies and investment funds. She has represented the Central Bank and the MFSA in various ECB Working Groups and local regulatory forums. She holds a Master of Science degree in Economics from the University of Malta.
Deputy Head, Banking Supervision, MFSA
Nikolaos Grapsas
Nikolaos Grapsas is a Deputy Head within the Baking Supervision function at MFSA. Before joining the Authority in September 2019, he worked for 16 years in large Greek commercial banks, assuming different roles in Risk Management. Currently he is the local coordinator in one of the MFSA/ECB Joint Supervisory Teams and holder of an MSc in Applied Statistics and Operational Research.
Deputy Head, Banking Supervision, MFSA
Kevin Aquilina
Kevin Aquilina is a Deputy Head responsible for Authorisations within the Banking Supervision function at the Malta Financial Services Authority (MFSA). He brings over three decades of experience within Europe’s financial regulatory framework. Since joining the MFSA in 2002, Kevin has been a member of the Banking Supervision team, contributing across all areas of the directorate. His responsibilities have included leading on-site inspection teams, managing the ongoing supervision and regulatory reporting function, leading regulatory transposition exercises, and heading the financial institutions supervision section. Kevin has actively participated in committees and expert groups at the European Commission (EC), the European Banking Authority (EBA), and the European Central Bank (ECB), where he contributed to the development and implementation of regulatory technical standards across the European Union. He holds qualifications in banking and management.
Deputy Head, Resolution, MFSA
Lynn Spiteri Dalmas
Lynn Spiteri Dalmas is a Deputy Head within the MFSA’s Resolution Function who joined the MFSA in March 2019. She leads a team of lawyers and policy experts with the aim of advising the Resolution Committee on the area of Bank Resolution, Bank liquidation and other policy matters. She is also actively involved in Internal Resolution Teams (IRTs) with the Single Resolution Board (SRB) and regularly participates in workshops organised with credit institutions in Malta. She is a member of the SRB’s Legal Network and an alternate member to the Resolution Committee of the European Banking Authority (EBA). Prior to joining the MFSA, she occupied the role of legal counsel with the Legal Department of the Central Bank of Malta. Lynn holds a Doctor of Laws (LL.D.) from the University of Malta and a Master of Laws (LL.M.) with a specialisation in Banking and Financial Services from the University of London. She also holds a warrant to practice in the Maltese Courts.
Deputy Head, Resolution, MFSA
Mario Baldacchino
Mario Baldacchino is a Deputy Head within the MFSA’s Resolution Function, with over ten years of professional experience in crisis preparedness and testing, resolution planning, and banking resolution frameworks. He has held different roles within the Resolution Function and has been actively involved in resolution planning and policy development. His responsibilities include the preparation and maintenance of resolution plans, the conduct of resolvability assessments for Significant and Less Significant Credit Institutions, and participation in Internal Resolution Teams (IRTs) of the Single Resolution Board (SRB). He represents the MFSA on the SRB’s Resolution Committee and serves as an alternate member of the SRB Plenary Session. Earlier in his career, he worked within the Financial Stability Department at the Central Bank of Malta, focusing on micro-prudential policy and crisis management. He holds a Bachelor of Commerce (Honours) in Economics from the University of Malta and a Master of Science in Finance, specialising in Economic Policy, from the University of London.
Senior Manager, Banking Supervision, MFSA
Keith Spiteri
Keith Spiteri is a Senior Manager in the MFSA Banking Supervision’s LSI team. He joined the MFSA in January 2017 and is responsible for supervising a portfolio of LSI Banks as well as the LSI’s team specialist on AML and Governance. He has represented the MFSA in various international fora and worked as an onsite supervisor for the ECB. He has previously worked in Banking Resolution at the MFSA and prior to joining the MFSA he worked within the Banking industry.
Senior Manager, Banking Supervision, MFSA
Tomasz Kolbuszewski
Tomasz Kolbuszewski has been working with the Banking Supervision Data Team of the Malta Financial Services Authority since June 2022, having previously worked for five years with the Financial Stability function of the Authority. His main interests include innovative and automated tools and techniques for data extraction and analysis. During his time at the MFSA, he participated in several analytical projects concerning financial stability, systemic risk and banking sector performance. Tomasz holds a Master’s degree in Economics from the University of Rzeszów, specializing in Banking and financial markets.
Senior Manager, Banking Supervision, MFSA
David Baldacchino
David Baldacchino is a Senior Manager within the Policy and Legal Section of the Banking Supervision Function of the Malta Financial Services Authority. Before joining the Authority, he gained experience at the Central Bank of Malta, where he was involved in Statistics and Financial Stability. He holds a Master of Science in Economics from the University of Malta.
Senior Manager - Banking Supervision, MFSA
Jana Pace Hili
Jana Pace Hili holds the position of a Senior Manager within the MFSA’s Banking Supervision Function. Jana joined the MFSA in 2014 and is now responsible for the direct supervision of Less Significant Institutions in Malta. Throughout her working experience at the MFSA, Jana was also responsible for the supervision of Significant Institutions as well as the authorisation of collective investment schemes and investment firms. She has represented the MFSA in various ECB Working Groups. Jana succeeded in publishing her master’s research in a highly respected journal, following the completion of her Master of Science Degree in Banking and Finance from the University of Malta.
Technical Advisor, Banking Supervision, MFSA
Abigail Attard
Abigail Attard is a warranted lawyer who joined the MFSA in 2014 and currently holds the position of Technical Advisor within the MFSA Banking Supervision Function. Abigail is an experienced lawyer skilled in financial services and consumer protection law. She is in possession of a Doctor of Laws (L.L.D) from the University of Malta and was awarded a Masters of Laws (L.L.M) in Financial Services Law from the University of London in 2017.
Senior Manager, Resolution, MFSA
Charlotte Cini
Charlotte Cini is a Senior Manager within the MFSA’s Resolution Function, having joined the Authority in October 2017. She advises the Resolution Committee on regulatory and legal matters and assists credit institutions in meeting their obligations under the Bank Recovery and Resolution Directive (BRRD) and the Single Resolution Mechanism Regulation (SRMR). She is actively involved in the drafting and implementation of legislative amendments, including the transposition of various EU recovery and resolution frameworks into national law. Throughout her career, Charlotte has participated in several expert working groups of the Single Resolution Board (SRB), The European Banking Authority (EBA), and the European Insurance and Occupational Pensions Authority (EIOPA). In 2022, she was appointed Secretary to the Depositor and Investor Compensation Schemes’ Committees. Charlotte holds a Master of Advocacy from the University of Malta and a Master of Laws (LL.M.) specialising in Financial Services Law from the University of London. She is warranted to practice law before the Maltese courts.
Senior Manager, Resolution, MFSA
Khadija Fendri
Khadija Fendri is a Senior Manager in Resolution Planning, with 13 years of experience in financial services and regulatory compliance. Since September 2023, she has led initiatives to strengthen resolution frameworks and enhance financial stability for major institutions, ensuring alignment with international standards. Previously she worked at one of the Big Four firms as an Advisory Manager, delivering complex projects in business continuity, operational restructuring, and risk management for global financial organisations. Her earlier career includes significant experience at a leading Pan-African bank, where she managed large corporate portfolios, structured complex financing solution, and implemented robust risk controls across diverse markets. Khadija combines strategic insight with strong leadership to deliver sustainable, risk-resilient solutions. She is committed to advancing best practices in regulatory planning and supporting institutions in navigating evolving financial landscapes.
Manager, Banking Supervision, MFSA
Mihaela Stancea
Mihaela Stancea is a Manager within the Banking Supervision LSI team at the Malta Financial Services Authority. She is responsible for supervising a portfolio of Less Significant Institutions and acts as a specialist within the team on Operational Risk matters. Mihaela has previously worked as an on-site supervisor for the ECB and, prior to joining the MFSA, gained experience within the banking industry. She holds a Master’s degree in Communication and EU Affairs from the Romanian University Școala Natională de Studii Politice si Administrative (SNSPA).
Manager, Banking Supervision, MFSA
Anna Zioura
Anna Zioura works within the Banking Supervision Function of the MFSA in the capacity of the Local Coordinator of the Joint Supervision Teams overseeing the three Significant Institutions. Prior to re joining the Authority in 2024, she amassed over 30 years of international, cross functional experience across the banking, financial institutions and insurance sectors, spanning Corporate Finance, Compliance, AML/CFT, Risk Management and Internal Audit. She holds a degree in Economics from the Aristotle University of Thessaloniki.
Manager, Resolution, MFSA
Daniela Aquilina
Daniela Aquilina is a Manager in the Legal and Policy team within the MFSA’s Resolution Function. She joined the MFSA in September 2020 and is responsible for conducting tasks particularly relating to the regulation of credit institutions in accordance with obligations emanating from the Recovery and Resolution Regulations which transpose the Bank Recovery and Resolution Directive. In this regard, she is involved in the drafting of legislative amendments and implementation of diverse EU frameworks as well as the implementation of policies and handbooks aimed at operationalising the different resolution tools. In 2022, Daniela was appointed Secretary of the Resolution Committee. Throughout the past 5 years at MFSA, she has also been an active member of various working groups of the Single Resolution Board (SRB), the European Banking Authority (EBA) and the European Commission (EC). Daniela holds a Masters of Advocacy from the University of Malta and is warranted to practice law before the Courts in Malta.
Senior Analyst, Banking Supervision, MFSA
Thomas Dragkolas
Thomas Dragkolas is a Senior Analyst in Banking Supervision within the Banking Supervision LSI team at the MFSA. He previously worked as an auditor, gaining experience in financial analysis, risk assessment, and regulatory compliance. Thomas studied Business Administration and holds a Master’s degree in Banking from the Hellenic Open University.
Senior Analyst, Resolution, MFSA
Gabriel Borg
Gabriel Borg is a Senior Analyst in the Planning team within the MFSA’s Resolution Function. He joined the MFSA in October 2022 and is responsible for tasks relating to resolution planning and resolvability of credit institutions in accordance with the Recovery and Resolution Regulations which transpose the Bank Recovery and Resolution Directive (BRRD). He is involved in the preparation of resolution plans, the conduct of Public Interest Assessments (PIA), criticality and resolvability analysis, the calculation of MREL targets, and the review of resolution reporting data. He has contributed to and drafted resolution plans for both significant and less significant institutions, including institutions subject to resolution scenarios. He is also an active participant in a number of working groups and task forces of the Single Resolution Board (SRB) and currently serves as an MT-NRA Sub-Coordinator within an Internal Resolution Team (IRT). Gabriel holds a Masters in Economics from the University of Malta.
Senior Analyst, Resolution, MFSA
Katia Bugeja
Katia Bugeja is a Senior Analyst within the Planning Team of the MFSA’s Resolution Function. She joined the MFSA in August 2023 and is primarily responsible for work related to the assessment of the resolvability of credit institutions in accordance with the Recovery and Resolution Regulations and the Bank Recovery and Resolution Directive. In this capacity, she undertakes responsibilities related to the drafting of resolution plans and the ongoing evaluation of credit institutions’ compliance, with a view to ensuring their continued access in resolution. Whilst working at the MFSA, Katia has actively contributed to multiple working groups established by the Single Resolution Board and the European Banking Authority. She holds a Degree in Banking and Finance and a Master in Accountancy from the University of Malta.
