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Education:
1964 – Diploma in Business Studies (Malta College of Arts,
Science &
Technology).
1966 – Banking Diploma (The Chartered Institute of Bankers,
London).
1967 - Diploma (Honours Level) in Business
Italian
(The Chartered Institute of Bankers).
1976 - Associate, Malta Institute of Certifies
Securities &
Administrators.
1977 - Diploma in Journalism (The University of Malta).
1985 - Diploma in Law & Administration (The
University of
Malta).
1987 - Higher Diploma in Business Law &
Accountancy
(The University of Malta).
1994 - Financial Studies Diploma (The Chartered
Institute of
Bankers,
London).
1994 - Master of Business Administration (MBA,
Financial
Services), (The University of Wales
& Manchester
Business School)
– Thesis on “Capital Adequancy and
Maltese Banking”.
1998 - Master of Philosphy (M.Phil) in European
Studies, with
Distinction (The University of Malta) – Thesis on “Key
Post-1990 Changes in Western
European Banking”.
2002 - Ph.D at Unviersity of Malta, Dept. of
Banking &
Finance, with thesis of
“Financial Services Sector
Privatisation in the
CEECs – Analaogising to the Maltese
Experience”.
Working Carreer:
1956-1958: Teacher (Malta
Government, Education
Department).
1958-1966: Joined
Barclays Bank (Dominion, Colonial and
Overseas) as Junior
Clerk.
1967: Trained and work period at Banca
Nazionale del
Lavoro, Via
Vittorio Veneto Branch Roma on
Scholarship by the
Italian Ministry of Foreign
Affairs,
Concurrently attended Rome University
(La Sapienza) as
external student.
1969: Attended Junior Managers’ and
Staff Instructors’
courses at Barclays
Bank Staff Training Centre,
London, followed by
working periods in Head
Office, London,
(Advances, Credits, and Staff
Training
Departments) and Northumberland
Avenue, London
branch.
1969-1974: Resident
Instructor & Manager Staff Training
Centre, Barclays
Bank, Malta. During this period
was responsible for
extending the range of
courses offered by
the Training Centre to all
facets of the
bank’s work, trained over 1000
employees on
various courses, and was a
member of the
bank’s Computer Implementation
and Currency
Decimalisation, teams.
1975-1979: Industrial
Investment Promotion Manager with
Investment Finance
Bank Ltd. (MMB subsidiary)
working concurrently
with the Malta Development
Corporation.
1980-1985: Various
appointments as Branch Accountant,
Assistant Manager
(Advances) and Branch
Manager with Mid-Med
Bank Ltd.
1985-1987: Assistant
Manager (Commercial), Mid-Med Bank’s
main branch in Merchants Street, Valletta, Malta.
1988-1991: Seconded by
the bank to Malta Government for
appointment as
Managing Director of The Libyan
Arab-Maltese Holding
Co.Ltd. – Consequential
directorships on the
boards of 13
associate/subsidiary
companies in Malta &
Libya,
employing some 3500
people in industrial and
services activities.
1991-1992: Appointed
by Malta Government as
Chairman &
CEO Malta
Countertrade Co.Ltd.
1992-1995: Senior
Manager, Mid-Med Bank plc Qormi,
Malta
Branch.
1995-1998: Assistant
General Manager, later Executive
Manager, Mid-Med
Bank Head Office, responsible
for Research and
Overseas Offices.
1995-2000: Mid-Med
Bank/HSBC’s representative on:
- Committee and Board of
the Malta
Commercial
Banks Association.
- Central Bank of Malta
EU Advisory Committee.
- National Working
Committee on Deposit
Protection Scheme.
- MCBA Technical Committee
on Deposit
Protection.
- MCBA Technical Committee on
Consumer
Protection
Legislation Committee.
1998: Bank’s Project Leader for
Introduction of the Euro.
August 2000: Retired
from the service of HSBC Bank Malta plc.
After a 42+ years
banking career. Position on
retirement: Head,
HSBC bank Malta plc’s EU
Integration Dept.
Head Office with additional
assistance
functions to Head Strategic Planning
Operations and CEO’s advisor on all EU
related
matters.
October 2000: Lecturer
at the University
of Malta on:
Banking Regulation,
International Banking
Law and Maltese
Financial Services Law in the
Department of
Banking & Finance of
Economics,
Management & Accountancy;
Banking in the
EU, Issues in European Banking,
EMU, the Euro,
EU Trade Policy in the European
Documentation
& Research Centre;
The Economics of Sport
in the Physical
Education
Department of the Faculty of Arts;
EMU in the Jean Monnet Programme of
the
Faculty of Law;
Examiner on
B.Comm., B.Comm (Hons.)
Banking &
Finance, B.A. (European Studies),
and M.A. (European Studies) courses;
B.A. (Hons.)
and M.A. Financial Services and
European
Studies theses supervisor and
examiner.
January 2001: Appointed
by the President of Malta as
Chairman of the
Board of Special
Commissioners
(Fiscal Tribunal) in terms
of Malta’s
Income taxes legislation.
Recent Research
& Publications:
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