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Banking 2.0
Connecting you to what matters
A series of events focussing on the future of banking and fintech
Our Banking 2.0 series provides insights on topics that are dominating the banking and fintech agenda, both locally and across the Deloitte Network. This series is a valuable resource for anyone interested in staying up-to-date on the latest trends relating to banking and fintech.
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29 February 2024 | CRD6/CRR3: Managing regulatory change to add value to your business
A Banking 2.0 series
The first in the series addressed the much-spoken topic of the imminent revision to the prudential framework being ushered in by CRD6/CRR3 - a pressing concern given the January 2025 timeline for implementation.
During this event, colleagues from our international Centre of Excellence for Regulatory Reporting, housed in the Netherlands, attended to lend their expertise. Together, we explored the main changes being brought about by CRD6/CRR3 and their implications to banks’ business models. We demonstrated some of the tools we are using to manage regulatory change, such as RegMiner, and how you can use technology to speed up your timeline for assimilating regulatory change and communicating strategic implications to executive management and boards.
Ronald Mizzi - Chief Financial Officer, APS Bank plc
Ronald is responsible for leading and maintaining the effective governance and stewardship of the APS Bank plc’s finance, asset-liability management, and capital management programme. He is also responsible for business process reengineering, operational effectiveness and data integrity initiatives at the Bank. Prior to joining APS Bank plc, Ronald was Group Chief Financial Officer at FIMBank plc, having spent his earlier career with PricewaterhouseCoopers in Malta, the Channel Islands and New York.
Ronald is a Council Member of the Malta Institute of Accountants and sits on the Institute’s Financial Services Committee and Sustainable Finance Committee. Ronald holds a BA (Hons) in Accountancy from the University of Malta and a Diploma in VAT Compliance from the institute of Indirect Taxation (UK). He is a warranted CPA and holds a Practicing Certificate in Auditing, both issued by the Accountancy Board in Malta, and is a Fellow of the Malta Institute of Accountants.
Nikolaos Grapsas - Deputy Head of Banking Supervision, MFSA
Nikolaos serves as Deputy Head of Banking Supervision for Significant Institutions at the Malta Financial Services Authority. In his role, Nikolaos is responsible for overseeing the work undertaken by Significant Institutions, including coordination of the supervisory activities of the JSTs covering Significant Institutions in Malta. He is also responsible for the MFSA’s onsite inspection teams and leads the design and implementation of the annual work plan for onsite inspections.
.Prior to joining the MFSA in September 2019, Nikolaos worked for 16 years in large Greek commercial banks, assuming different roles in risk management including capital planning and capital adequacy, asset liability management, stress testing and regulatory reporting.
Jeanelle Muscat - Head of Financial and Regulatory Reporting, Shift4 Europe
Jeanelle serves as Head of Financial and Regulatory Reporting at Shift4 Europe (formerly Credorax Bank Malta) and has been working for the Bank for the past eight years. Throughout her tenure, Jeanelle has been instrumental in ensuring compliance with all regulatory reporting requirements pertaining to banking supervision, as overseen by the European Central Bank and Malta Financial Services Authority.
.Jeanelle is an accountant by profession, and prior to joining Shift4 Europe, served for five years as a member of the Banking Advisory and Audit team at PricewaterhouseCoopers. During her time there, Jeanelle was extensively involved in conducting banking audits and assisting in advisory services.
Michiel Mulder – Senior Manager, Deloitte Centre of Excellence for Regulatory Reporting
Michiel is a senior manager within the Data and Reporting team of Deloitte’s Financial Risk practice in the Netherlands, with a focus on credit risk, capital requirements and data management. He joined Deloitte in 2016, and has broad experience in data collection, onsite inspections, regulatory reporting, and prudential regulations. He is the Head of Content for Deloitte’s proprietary tool – RegMiner, and a member of Deloitte’s Centre of Excellence for Regulatory Reporting.
Michiel has worked on numerous projects for large Dutch banks, including being stream lead for a credit risk modelling data collection project, coordinating an integrity analysis on AML/CDD/KYC risks, and working on the implementation of IFRS 9.
Sarah Curmi - Banking Leader, Deloitte Malta
Sarah is Deloitte Malta’s FSI Leader and has over 30 years of experience in audit. She has been a partner since 2008 and is currently the Audit & Assurance Business Leader for Deloitte Malta, with overall responsibility for this business. She has significant experience working overseas and collaborating with other Deloitte member firms. Over the years, Sarah has led the audits of a number of public and private entities engaged in a variety of industries but has specialised in financial services with clients encompassing insurance, banking and asset management.
David Herrera - Regulatory Director, Risk Advisory, Deloitte Malta
David is a Director within Deloitte Malta’s Risk Advisory business, leading its regulatory offerings. Since joining Deloitte in 2017, David has predominantly advised banks and financial institutions on matters relating to regulatory strategy, prudential requirements, corporate governance and operational risk management. He deputises banking industry leadership within Deloitte Malta and is a Steering Committee member of Deloitte’s Banking Union Centre in Frankfurt, as well as Malta representative within the EMEA Centre for Regulatory Strategy working group.
Iduna van Engelen - Senior Manager, Risk Advisory
Iduna is a senior manager within Deloitte Malta’s Risk Advisory business, specialising in regulatory and strategic risk, primarily within the financial services sector. Iduna has extensive experience in supporting clients on topics at the junction between financial risk management and banking regulation. She has led a number of projects concerning interpretation of legislation and resulting regulatory reporting requirements, and has supported secondments with the European Central Bank’s asset quality review exercises.
Ilias Georgakopoulos - Manager, Risk Advisory, Deloitte Malta
Ilias joined Deloitte Malta’s Risk Advisory business in January 2023, following a three-year experience in banking supervision at the Malta Financial Services Authority, which included a six-month secondment to the European Central Bank’s Banking Supervision and Entities Oversight Unit. During his time at the MFSA, Ilias supervised banks across the full spectrum of risk areas, specialising in driving banking transformation through SREP reviews. He also delivered multiple webinars to the local banking industry on stress testing and recovery planning.
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