My varied career started in banking at a very formative time for the industry. I started up four banks, restructuring a fifth and helped take it from losing €8 million a year to making €1 million in profit. I became AX Group’s Finance Director in February 2000 and CEO in 2016.. I am director of several private and public listed companies in Malta and internationally andhold a B.A. Hons in accountancy and an M.A. in financial services.