Personnel Group: Other Key Officers

• 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 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 has been working in the financial services industry for the last 16 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 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 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 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 and was subsequently appointed as Chief Administrator Officer. Lorraine is CertCIB qualified and holds a diploma in Business Administration and Human Resources.

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.

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.

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.

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).