Leadership

Meet our board of directors, and our leadership team, working closely with a team of over 300 employees group-wide. As a WealthTech, our aspiration is to democratise investing and disrupt the retail digital investment space by deploying a unique Wealth SuperApp offering one of the broadest range of online investment solutions to individual clients. We provide clients with autonomy, choice and guidance in the way they want to manage their money. Our SuperApp is also a one-stop-shop, catering to clients’ investment and everyday banking needs. All this with simplicity and an easy user experience.

Board of Directors

Michael Adrian Bussey

Independent Chairman and Non-Executive Director
Michael Adrian Bussey
Independent Chairman and Non-Executive Director

Joined MeDirect’s Board on 24 February 2017.


35+ years of experience in banking, specialising in Private banking and Wealth management.


Former key positions held:
- Joined HSBC in 1980 and held various senior positions in his more than 20 years with the company, most recently as CEO of HSBC Private Banking EMEA
- CEO at Schroder & Co Ltd
- CEO of Private Banking and Trust at NM Rothschild & Sons Ltd
- CEO of Arbuthnot Latham & Co.

John Zarb

Independent Non-Executive Director
John Zarb
Independent Non-Executive Director

Joined MeDirect’s Board on 17 July 2017 and is the Chairman of the Audit Committee.


40 years of experience with PwC in Malta, retiring from his role as Partner in 2014.


Formerly President of Malta Institute of Accountants and served as Malta’s representative on the EU Accounting Regulatory Committee and on the Accountancy Board for several years.

Jamal Ismayilov

Non-Executive Director
Jamal Ismayilov
Non-Executive Director

Joined MeDirect’s Board on 14 December 2021, representing MeDirect’s shareholder AnaCap Financial Partners.


18+ years of experience in financial services, specialising in strategic and operational transformation.


Currently Managing Director within Private Equity at AnaCap Financial Partners.


Former key positions held:
- Partner in the Financial Services practice at Oliver Wyman
- Head of Financial Strategy at Nomura International

Arnaud Denis

Group Chief Executive Officer
Arnaud Denis
Group Chief Executive Officer

Joined MeDirect as Group CEO in September 2019 and formally on MeDirect’s Board on 15 October 2019.

25+ years of experience in banking, with track record of retail business transformation in the field of digital.


Former key positions held:
- First Deputy CEO of ROSBANK Group, Société Générale’s Russian retail platform
- CEO of Eurobank SA, Polish subsidiary of Société Générale
- MD in Société Générale’s Fixed Income division based in New York

Radoslaw Ksiezopolski

Group Chief Financial Officer
Radoslaw Ksiezopolski
Group Chief Financial Officer

Joined MeDirect as Group CFO in August 2019 and formally on MeDirect’s Board on 4 October 2019.


20+ years of experience in banking, specialising in business transformation.


Former key positions held:
- CFO of Eurobank Polish subsidiary of Société Générale
- CFO of Credit Agricole Bank Poland
- Consultant at McKinsey & Co.
- Worked on the transformation of Polish subsidiary of UniCredit

Other Key Officers

Marija Fenech

Chief Risk Officer
Marija Fenech
Chief Risk Officer
  • 9 years of experience in banking
  • Held senior risk positions within MeDirect, gaining extensive knowledge in risk management
  • Specialised in liquidity and credit risk management

Chris Portelli

Chief Technology Officer
Chris Portelli
Chief Technology Officer

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.

Pawel Malukiewicz

Group Head - Channels and Customer Experience
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.

Ramin Fleury

Group Chief Growth Officer
Ramin Fleury
Group Chief Growth Officer

Ramin Fleury joined MeDirect at the start of 2022. He previously was the General Manager of Fortuneo Belgium and then the Marketing Director of Keytrade Bank. He started his career in 2000 at Société Générale before working as a management and strategy consultant, mainly with Oliver Wyman. He has also held various management positions with Fortuneo in France. Ramin holds a master in management from ESCP Business School and a master in philosophy from Université Paris-Sorbonne.

Francesca Farrugia

Chief People Officer
Francesca Farrugia
Chief People Officer

Francesca Farrugia has been working within the HR sphere for the last 10 years. Working within several international organisations in the manufacturing and IT sector, focusing on HR and how to better employee experience. In 2017, Francesca moved to MeDirect where she held various positions in her area of expertise.

Lorraine Bonello Ghio

Chief Administration Officer
Lorraine Bonello Ghio
Chief Administration Officer

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.

Caroline Grech

Head - Regulatory Compliance
Caroline Grech
Head - Regulatory Compliance

Caroline started her career in the Banking Industry at HSBC in 2007 where she gained extensive experience within Retail Banking and Wealth Management. In 2012, Caroline moved to MeDirect where she held various positions within her area of expertise but also took on new roles in the Compliance Department where she acquired experience within Regulatory Compliance. Caroline was appointed Head of Regulatory Compliance at MeDirect in 2021 and acts as the Compliance Officer in terms of the MFSA Investment Services Rules.

Vincent Borg

Head - Financial Crime Compliance
Vincent Borg
Head - Financial Crime Compliance

Vincent Borg started working within the Banking Industry at Mid Med Bank in 1990. He spent 29 years working within HSBC Group where he gained extensive banking experience in several postings departments including, Retail Banking, Wealth Management, Life Insurance, Retirement Planning, Commercial Banking, Risk and Compliance functions. He led several initiatives on structured working capital finance and lending for HSBC both locally and internationally and has a deep understanding of structured working capital funding and receivables financing. In 2011, Vincent moved to the position of Chief Control Officer and Deputy Chief Operating Officer with HSBC Bank Malta plc, Commercial Banking. In 2019, he moved to Lombard Bank Malta plc as the Head of Compliance responsible for both Regulatory and Financial Crime Compliance and joined MeDirect in February 2021. Vincent is a certified Banker and Financial Adviser and holds a diploma in Management and Medical Underwriting.

Henry C. Schmeltzer

Director of Commercial Strategy & Head of Legal
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.

Chris Breemeersch

Group Chief Internal Audit Officer
Chris Breemeersch
Group Chief Internal Audit Officer

Chris Breemeersch started his career in 1995 as a Financial Auditor with KPMG Belgium focusing on insurance and banking institutions. In 1998 he joined the Internal Audit Division of KBC Group where he gained significant international experience as Internal Auditor, Operational Risk Officer and Project Manager before transferring to Dexia Group in 2004 and Sumitomo Mitsui Banking Corporation (Belgian Branch) in 2013 in a succession of international executive management positions in Internal Audit. Between 2016 and 2019 Chris coordinated the operational project activities of a major Belgian consultancy firm for its financial services sector clients but eventually returned to the banking world as Head of Internal Audit for Puilaetco Belgium (a Quintet private bank). Chris joined MeDirect Group in July 2021 and was by the Regulatory Authorities confirmed as Group Chief Audit Executive in March 2022.

Wayne Crossley

Head - Operations and Retail Network
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.

Herman Reznev

Head - Corporate Credit
Herman Reznev
Head - Corporate Credit

Herman started his career in the finance industry in 2006 after completing seven years in the diplomatic service and earning an MBA degree from the Wharton School. He spent the last 16 years in a variety of banking-related roles spanning leverage finance, debt advisory and M&A with London-based institutions, such as UBS, Credit Suisse and Bank of America. He joined MeDirect in early 2021 as a Senior Credit Analyst and in January 2022 was appointed Head of Corporate Credit where he leads the investment team managing the bank’s portfolio of European leveraged loans.

Job Mantz

Job Mantz

Head - Dutch Retail Market
Job Mantz
Head - Dutch Retail Market

Job Mantz joined MeDirect late 2021 as Head of Dutch Retail and is responsible for the Dutch retail business. He started his career at BinckBank in the Netherlands (currently: Saxo bank) where he held different positions within the legal, commercial and product departments. In 2014 he continued his career at Ziggo (currently: VodafoneZiggo) where he was responsible for their online customer service. The last six years Job worked at ABN AMRO Bank in different roles, primarily within their digital department. In 2018 he was responsible for setting up a new corporate venture for ABN AMRO and in his last role as head of the Digital Impact Team he was responsible for the customer adoption of their digital capabilities. Job holds a master’s in law (LLM) degree from Leiden University (NL) and a bachelor's degree in IT from the Fontys university of Applied Sciences Eindhoven (NL).

Belgium SA

Tim Rooney

Chief Executive Officer Belgium
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).

Marcel Berkhout

Chief Financial Officer
Marcel Berkhout
Chief Financial Officer

Marcel Berkhout joined Royal Dutch Shell in 1994, assuming various positions in engineering and finance in Scotland and London (UK). In 2000, Mr. Berkhout joined the corporate finance division of Kempen & Co, a niche investment bank based in Amsterdam, the Netherlands. In corporate finance, Marcel was involved in several M&A and ECM transactions, mostly in the energy sector. Upon the acquisition of Kempen & Co by Dexia Bank, Marcel continued his career at the parent Dexia Bank in Brussels in a number of senior management roles, mostly within the corporate banking division. In 2011, Marcel became CFO of Optima Bank, a Belgian institution with focus on personal/private banking.

Francois Ducuroir

Chief Risk Officer
Francois Ducuroir
Chief Risk Officer

From 2010 to 2021, François Ducuroir was a board member and managing partner at Reacfin, the Belgian consulting firm specialised in Risk management and actuarial science. Before that, he was responsible for the Group Credit Portfolio Management and the Capital Solutions teams at BNP Paribas Fortis. Earlier in his career, François worked in different trading rooms in Brussels, London and the Netherlands. He also worked as a management consultant at McKinsey & Company. François holds degrees in Applied Mathematics and Applied Economics. He teaches Finance at the Universities of Louvain and of Namur in Belgium.

Experience better banking

The sooner you start managing your money, your way, using the best-in-class tools, the sooner you’ll see results. Sign up and open your account for free, within minutes.

Login

We strive to ensure a streamlined account opening process, via a structured and clear set of requirements and personalised assistance during the initial communication stages. If you are interested in opening a corporate account with MeDirect, please complete an Account Opening Information Questionnaire and send it to corporate@medirect.com.mt.

For a comprehensive list of documentation required to open a corporate account please contact us by email at corporate@medirect.com.mt or by phone on (+356) 2557 4444.