As part of its ongoing transformation and with reference to the Senior Management vacancies advertised in late 2019, APS Bank has announced the following appointments:

Noel McCarthy is now Chief Investments Officer, a newly-created position overseeing the Investment Management and Distribution units, subsidiary and affiliated company activities and the Bank's property portfolio. A senior executive who joined the Bank in 2000 and served as Chief Financial Officer since 2016, Noel sits on various Board and Management committees and is a Director of ReAPS Asset Management, the wholly-owned subsidiary licensed to manage UCITS funds.

Ray Bonnici takes over the new position of Chief People Officer. He joined APS Bank as Head of Human Capital in 2016 after a career in Malta and overseas started in the aviation industry followed by spells with Hilton Hotels International as Director of HR for Malta and then as Director of HR at Premier Capital, Hili Group. Ray sits on Board and Management committees and his remit spans Human Capital, Training and Talent Development and Career Planning.

Kenneth Genovese is promoted to Head of Investment Distribution, responsible for all investment, pension and wealth services and reporting to the Chief Investments Officer. Kenneth started his banking career in the early 90s and he joined APS Bank in 2002, holding various senior positions in Treasury and Investment Services over the years. He is a Henley MBA, a regular lecturer at local and international Masters programmes and is also a committee member at the Institute for Financial Services (Malta).

Gilbert Caruana is promoted to Head of Finance, taking over responsibilities which he had previously been carrying as Senior Manager. He joined APS Bank in 2001 as a junior accountant, qualified ACCA in 2002 (FCCA - 2009), is a Fellow of the Malta Institute of Accountants and a CPA. He has been key in the development and implementation of major projects and systems. Gilbert is a member of the Bank's ALCO and sits on various industry committees.

Daniel Cassar is Head of Digital Innovation, a newly-created position reporting to the Chief Technology Officer entrusted to support the digitalisation of the business model. Daniel, who joined the Bank in 2008, has a foundation degree in Banking Practice & Management from the University of Kent and graduated B.Sc. in Computing & Information Systems from the University of London in 2018. He has performed various roles within the Branch Network, Cards Unit and Technology, including delivery of the omni-channel and mobile banking project in 2019.

Rodney Naudi is the new Head of Operational Risk and Security Governance. He is a graduate in Maths & Computing from the University of Malta and holds a M.Sc. in Advanced Software Engineering from the University of Sheffield. Rodney's career in ICT spans over 25 years, having been involved in key projects with MITA before joining APS Bank in 2017 as Operational & Cyber Risk Manager. He is also a visiting senior lecturer at the University of Malta and was a member of the Malta Cyber Security Steering Committee.

Gordon Gilford joined APS Bank in April 2020 as the first Head of eChannels, responsible for digital channels, internet and mobile banking, self-service machines, contact centre and open banking. He spent 19 years at HSBC Bank Malta, his last position being that of Senior Digital Banking Manager. Gordon is qualified in digital marketing, graduated M.Sc. It & Management from Sheffield Hallam University in 2010 and is reading for an MBA from the University of Suffolk.

Marcel Cassar, APS Bank CEO said: "We are pleased to announce this round of appointments as we continue to strengthen our Senior Management team. I congratulate and wish them all well. More senior appointments are in progress and will be announced in due course."