About Us

Board of Directors
Michael Adrian Bussey
Independent Chairman and Non-Executive Director
Michael Bussey joined HSBC in 1980 as an international executive and spent over twenty years as an expatriate in a variety of senior roles. During that period he lived and worked in Asia, the Middle East, Africa, North America and the UK. His last role with HSBC was CEO HSBC Private Banking EMEA. From 2001, Michael decided to remain in UK and specialise in Private Banking and Wealth Management. After a short period with Schroders, he was appointed CEO Private Banking and Trust at NM Rothschild. His last executive role was as CEO of Arbuthnot Latham & Co. In 2011 Michael began his “portfolio” career by chairing UK Wealth Management which was a Leeds based IFA owned by Duke Street Capital. A successful exit was achieved in 2014 by way of a trade sale. He is chairman of Gentoo Genie Ltd, an award winning FCA regulated business which has created a new financing structure for first time home buyers, and a chairman and non-executive director of Credit Suisse (UK) Ltd, where he also chairs the Remuneration and Nominations Committee.
John Zarb
Independent Non-Executive Director
John Zarb retired from his role as partner at PwC at the end of 2014 after a career spanning over 40 years spent within the audit and advisory practices of the firm. He is a past president of the Malta Institute of Accountants, and served for a number of years on the Accountancy Board and as Malta’s representative on the EU Accounting Regulatory Committee. John is currently the chairman of PG plc, a board member and chairman of the audit committee of Tumas Investments plc and a director of Foster Clark Products Limited. He joined the board of MeDirect as an independent non-executive director and was elected as chairman of the Audit Committee on 17 July 2017.
Benjamin Hollowood
Non-Executive Director
Benjamin Hollowood is an investment director at AnaCap Financial Partners LLP, a European private equity firm specialising in financial services, where he is the part of the Business Services team responsible for the development of AnaCap’s portfolio company investments. Prior to joining AnaCap, Benjamin worked as a principal at Bain Company where he led a broad range of assignments across the financial service sector, and advised senior management teams across Europe, United States and Africa on strategy, M&A, operational and organisational issues. Benjamin holds a MA in Neuroscience from the University of Cambridge.
Dominic Wallace
Non-Executive Director
Dominic Wallace has more than 25 years' experience in the financial sector, gained at a number of major international institutions including Andersen Consulting (now Accenture), JP Morgan and Citigroup, where he spent 13 years and was a Managing Director from 2003 onwards. There he held a number of senior Risk Management positions: most recently he was Global Head of interest rate, liquidity, currency and equity risk for Citigroup's institutional business, and his previous roles had included responsibility for pricing risk and for new product approval. He has a MA from Cambridge University and a DPhil from Oxford University, both in theoretical physics.
Arnaud Denis
Group Chief Executive Officer
Arnaud Denis has more than 25 years’ experience in banking, the last ten years of which were in executive director-level roles.  Most recently, he was mandated as Deputy CEO of ROSBANK Group, Société Générale’s Russian retail platform.  Prior to that, he served as CEO of Eurobank SA. He has also served as a managing director in Société Générale’s Fixed Income division based in New York. He holds a Masters Degree in Strategic Management from the Ecole des Haute Etudes Commerciales in France and a Masters in Business Administration from the Emlyon Business School in France.
Radoslaw Ksiezopolski
Group Chief Financial Officer
Radoslaw Ksiezopolski, has served in senior financial, strategic and operational roles with the subsidiaries of major European financial institutions: Société Générale, Crédit Agricole and Unicredit Group. Before joining MeDirect he served for five years as Chief Financial Officer of Polish Eurobank SA, subsidiary of Société Générale and previously as CFO of Credit Agricole Bank Poland. Before that, he worked on the transformation of Polish subsidiary of Unicredit. Radoslaw started his professional career as consultant at McKinsey&Co, working for few years on projects for international banks. He holds a Ph.D. in bank management science from The University of Economics, Wroclaw, Poland and an MA in management and marketing from the same institution.
Alex Konewko
Group Chief Risk Officer
Alex Konewko has been working in the financial services industry since 2002, joining HSBC Bank in the UK as an Executive Management Trainee, gaining management experience across consumer, corporate and wholesale banking. Since 2009, Alex held a number of senior risk management positions with HSBC Bank across both Retail and Wholesale Risk at a regional level covering Europe, the Middle East and Africa, specialising in credit risk management, risk governance, operational risk, regulatory reporting and compliance. Alex is an Associate of the Institute of Financial Services, he holds a BSc in Financial Services from the University of Manchester, and successfully completed the HSBC Aspiring Chief Risk Officer programme at Cambridge University Judge Business School in 2015.
Other Key Officers
Tim Rooney
Chief Executive Officer Belgium
Tim Rooney served between June 2018 and February 2020 as Chief Executive Officer and director of Bank Nagelmackers and Anbang Belgium Holding, both in Belgium. Prior to that, he served as Chief Operations Officer of Anbang Belgium Holding and in a number of senior roles in the mortgage, risk and banking fields at Genworth Mortgage Insurance, Deutsche Bank PBC, General Electric Europe and Citifinancial UK. Tim holds a BA (Honours) degree in Political Science and Economics from Huddersfield University (UK).
Henry C. Schmeltzer
Director of Commercial Strategy & Head of Legal
Henry Schmeltzer founded and managed the European ABS and Illiquid Credit structuring and execution businesses at UBS, including development of the synthetic ABS and ABS derivatives businesses, non-recourse senior funding structures and asset origination strategies and structures. Before joining UBS, he ran credit structuring and origination businesses at Swiss Re London, Merrill Lynch London and Lehman Brothers London and New York. Prior to becoming a banker, Henry was an attorney in New York, leaving the law firm Brown & Wood as a partner. He holds an MBA (Finance) from the New York University, a JD from the University of Chicago and an AB (magna cum laude) from the Woodrow Wilson School of Princeton University. He was awarded CFA designation and is a member of the bar of the State of New York.
Michael Curtis
Group Chief Investment Officer
Michael Curtis started his career in leveraged finance and restructuring at CIBC World Markets. He then joined Alpstar Capital, a specialist European credit fund business he helped to build from a €25m start-up to a multi-billion asset manager. Michael was a partner of the firm, a member of the investment committee and Head of Loan Business, where he was responsible for portfolio management, credit research, monitoring and trading. He then joined 3i Debt Management as Portfolio Manager and Director, responsible for investing across the capital structure, primarily in European leveraged loans, high yield bonds and structured credit. He then moved to the Credit Fund Management Group at ICG occupying the positions of Portfolio Manager and Managing Director, responsible for leading the loans business. During his time at ICG, Michael led the company’s CLO platform as well as a number of loan and high yield bond mandates. He also sat on the European Investment Committee and the Global Strategic Asset Allocation committee. Michael holds a BSc in Economics from University College London.
Edward A. Jaccarini
Group Chief Internal Audit Officer
Edward Jaccarini held positions as CFO for the National Bank of Dubai – Investment Bank and for an equity derivatives boutique investment bank, Diwan Capital Limited. Both entities were based in Dubai and regulated by the Dubai Financial Services Authority. Before moving to Dubai, he was the Finance Officer for Bank of America Securities Limited, a London-based bank, and the Finance Director for 30 other Bank of America subsidiaries. Previously, Edward headed the Regulatory Reporting department for the Bank of America EMEA region. Earlier roles include Financial Controller at Credit Suisse Securities Limited, as well as roles within the Internal Audit departments at the London offices of Credit Suisse and the Bank of New York. For three years he served as SVP, responsible for Accounting Policies and Control, at Riyad Bank, Saudi Arabia. He is a Chartered Accountant (ICAEW) and obtained an MBA from the City University, London. He is also a qualified member of the Association of Corporate Treasurers.
Charles Cini
Chief Business Officer (Malta)
Charles Cini started his career when he joined Bank of Valletta in 1983, largely in the retail network. In 1991 he joined Lombard Bank Malta where he was mainly involved in Credit and Treasury, at both retail and head office levels. After five years he took up a senior management role with Midland Bank, where he was responsible for successfully setting up the bank’s corporate banking as well as treasury operations teams. Midland Bank was already part of the HSBC group and when HSBC took over Mid-Med Bank in 1999, Charles was seconded to HSBC Bank Malta as a senior manager within the bank’s Head Office Credit function. During the period with HSBC Bank Malta, Charles occupied various managerial roles including that of Senior Corporate Banking Manager, handling some of the largest credit relationships in Malta as well as that of Senior International Banking Manager, covering relationships with foreign companies and financial institutions using Malta as a base for their operations. He moved to MeDirect in August 2010 to head the Corporate Banking Unit and was appointed Chief Executive Officer of Mediterranean Corporate Bank following the acquisition and rebranding of Volksbank Malta in 2014. Charles is an Associate of the Institute of Financial Services.
Walance Buttigieg Scicluna
Group Head - Treasury
Walance Buttigieg Scicluna has more than 15 years’ experience in the financial sector. In 2009 he became Deputy Senior Dealer in the Investments and Reserves section at the Central Bank of Malta, where he was responsible for the Fixed Income desk managing the Banks’ multi-currency bond portfolios. Walance was also responsible for the management of the foreign reserves on behalf of the European Central Bank in conjunction with another Euro system member. He was a member of various technical groups that focused on areas such as portfolio construction, benchmarking and hedging with recommendations presented to the Investment Policy Committee chaired by the Governor. Aside from ad hoc presentations he monthly reported and recommended to the Investment Policy Committee. He also lectured part-time at the University of Malta and the Institute of Financial Services. Walance holds a B.Com. (Hons) in Banking and Finance, an MA in Economics, an MA in Business Ethics (with Distinction) from the University of Malta and an MSc in Finance (with Distinction) from Strathclyde Business School.
Lorraine Bonello Ghio
Group Head - Administration and HR
Lorraine Bonello Ghio began her career with Mid-Med Bank in 1989. After receiving her basic training across a number of the Bank’s departments, Lorraine was appointed PA to the general manager of MIMBOL (Mid-Med’s offshore subsidiary), a position she held until 1996. Moving to a Legal and Financial Services practice, Lorraine developed her role as PA to the Managing Partner through assuming responsibility for the broader Administration and Human Resources functions. Attracted to the challenges of a start-up business, Lorraine joined MeDirect in its formative stage in 2006, primarily in the role of PA to the CEO, but with involvement across all the support functions of the bank. With the purchase and recapitalisation of the bank in 2009, she was appointed Head of Administration and Human Resources, a role she has remained in through the banks' rapid growth. Lorraine is CertCIB qualified, and holds a diploma in Business Administration and Human Resources.
Spiridon Goumas
Group Head - Compliance
Spiros Goumas has more than three decades of experience in banking in North America, Europe and the Middle East, holding senior compliance management positions since 2001. He was the Head of Group Compliance for Eurobank based in Greece, Head of Compliance for Dunia Finance in the UAE, served as Group Compliance Director with the National Bank of Greece, Country Compliance Director for Citigroup in Greece, and Senior Compliance Manager for ING Bank in Athens. Spiros started his career in Canada where he held various retail financial services positions from 1986 till 1994. Spiros is a graduate of Athens College, and holds a BA from Simon Fraser University in Canada. He is a Professional Member of the ICA, and a Certified Fraud Examiner of the ACFE.
Pawel Malukiewicz
Group Head - Channels and Customer Experience
Pawel Malukiewicz has been working in the financial services industry for the last 13 years, for a number of banks including PKO BP, Euro Bank, Millennium Bank and Alior Bank. He also led international projects on behalf of Societe Generale Group. During his career, he gained broad managerial experience on customer experience, project management, data mining, CRM and channel setup. Pawel’s main focus is on building customer centricity across organisations. He holds a Masters in Business Administration from the University of Economics in Wroclaw, Poland.
Peter Besuijen
Head - Dutch Mortgages

Peter Besuijen started his career at ING Bank, subsequently joining Nutsspaarbank, one of the largest savings banks in the Netherlands, where he was responsible for marketing and operations of savings, payments systems, self-service banking and consumer loans. After the merger into VSB Bank he was appointed Manager Retail Marketing, covering the full retail product portfolio. Peter then joined a greenfield operation setting up Hypotrust/Quion, a third party mortgage servicer. As member of the executive board he was responsible for the commercial and operational development of the company, building the brand and implementing business concepts for a range of (inter)nationalcorporate clients. Thereafter, he continued his career as a consultant, CCO/Board member of Credit Management & Investor Solutions (a mortgage platform) and Branch Manager of Maple Bank in the Netherlands. Peter studied marketing at The Hague University of Applied Sciences.

Chris Portelli
Head – Technology
Chris Portelli has been working in the technology industry since 2002, specialising in the financial and iGaming sectors. Chris began his career with CSL Data Centre in Malta, and over the years he has worked with several international online gaming companies and financial institutions. His role was both of an advisor and technical lead, designing and implementing technical architectures together with supporting new business requirements and challenges. Chris was also actively involved in the iGaming start-up community working with several start-ups to assist them setting up their digital channels and integrations with various providers.
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