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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.
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.
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.
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.
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.
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.
Wayne Crossley
Head - Operations and Retail Network

Wayne has worked within the finance industry for the past 16 years, mainly in the capacity of a CPA accountant. He has worked within a number of international organisations, taking up different roles over the years as his career progressed. In the recent years, Wayne moved into general management and grew in this area by applying the best practices learnt over the years from various industries. Wayne obtained his qualification from ACCA back in 2015.

Alison Mifsud
Head – Corporate Banking and Mortgages (Malta)

Alison started her career with Bank of Valletta plc, where she held various positions in a number of business areas, such as factoring, retail/business lending and corporate finance.  She has subsequently formed part of the Credit Risk start up team within First Data in Dublin and later joined the Allied Irish Banks’ Capital Markets team, where she was involved in a number of corporate restructuring transactions and syndicated financing. Alison holds a Masters in Business Administration (Strategic Consultancy) from Grenoble Ecole de Management in France.

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.

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© 2021 MeDirect Bank (Malta) plc. All rights reserved.
MeDirect Bank (Malta) plc, company registration number C34125, is licensed to undertake the business of banking in terms of the Banking Act (Cap. 371) and investment services under the Investment Services Act (Cap. 370). MeDirect Bank (Malta) plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994.