Paul Micallef Grimaud 

Partner, Ganado Advocates

Paul Micallef Grimaud is a Partner at Ganado Advocates, where he leads the intellectual property, technology and data protection practice. He regularly advises clients on their data-related obligations and assists with the handling of incidents and data breaches and the resulting reporting obligations. Paul is involved in the drafting of laws and policies relating to AI and innovative technology and represents clients in Court and specialised tribunals on matters related to his practice.

Paul is Vice President of the Chamber of Advocates and President of the Malta Institute of Privacy Law (MIPL).

Joseph Muscat

Senior Technical Expert, Malta Financial Services Authority

Joseph is an established and results-oriented cybersecurity professional with over 15 years of experience fostering mutually beneficial business relationships across various industries. As a dynamic mentor, he excels at spearheading projects collaborating with different internal and external stakeholders, ensuring a customer-oriented service quality. Joseph is an effective communicator, capable of enhancing user experience and online safety while working across department to drive continuous improvements. He leverages his expertise in digital forensics, auditing aspects and critical thinking to coordinate operations effectively.

Keith Cutajar 

Co-founder/Director CY4 Ltd

Keith is a seasoned professional in the field of cyber security, with a deep understanding of cybercrime, digital forensics, and cyber terrorism. His extensive experience, coupled with academic credentials, has established him as a respected authority in the industry.

Keith's academic journey began at the University of Malta, where he earned a BSc(Hons) in Information Technology (Software Engineering and AI). He further honed his expertise by completing an MSc in Information Security at the Royal Holloway College (University of London). His master's dissertation, "A pro-active approach towards Cyber-Terrorism: Defining a policy document to assist decision-makers," showcased his commitment to addressing the growing threat of cyber terrorism, earning him a distinction and top-grades at this prominent academic institution.

With over a decade of hands-on experience in cyber incidents, including state-sponsored attacks (both on public and private, essential and non-essential entities), Keith has developed a keen ability to navigate complex digital landscapes. His expertise has led to his appointment as a Technical Court Expert in Digital Forensics, Cybercrime, and Cyber-Terrorism at the Courts of Law in Malta, with today having been involved in more than 1,500+ cases. Additionally, he is a sought-after speaker at cyber security conferences and training sessions both domestically and internationally.

Beyond his academic and professional achievements, Keith is a visionary entrepreneur. He is the founder and Director of several business ventures, most notably CY4 Ltd. This leading cyber forensics company offers a wide range of services, including corporate forensic investigations, criminal defense investigations, and family law cases. CY4 Ltd's expertise is invaluable to organisations of all sizes, from law firms and regulatory authorities to SMEs and private clients.

Keith's dedication to cyber security and his entrepreneurial spirit have made him a prominent figure in the industry. His ability to combine technical knowledge with strategic thinking has positioned him as a trusted advisor and a driving force in shaping the future of cyber security.

Michael Bianchi 

Audit & Assurance Business Leader, Deloitte Malta

Michael is specialised in Investment Management Services working within Deloitte's Financial Services Practice. During his time at Deloitte, Michael spent two with Deloitte in London, managing a number of multinational companies in the Insurance and Investments Management Practice, prior to returning to Deloitte Malta in 2009. 

Michael services a broad client base both locally and internationally and is responsible for the statutory and non-statutory audits of a number of clients, including Collective Investment Schemes, Investment Management Companies and Fund Administrators as well as other regulated and non-regulated entities. 

Michael coordinates various international engagements where he has developed numerous connections within the Deloitte Network. Michael also Chaired the FSI sub-Committee at the Malta Institute of Accountants for two years and is now Chairing the Sustainable Finance sub-Committee at the Institute. Michael is also Deloitte Malta's Sustainability Leader. 

Andre Zerafa

Managing Partner, Ganado Advocates 

André Zerafa is the Managing Partner of Ganado Advocates and co-heads the firm’s investment services and funds practice. André advises promoters on various corporate, regulatory and other legal issues around the operation and licensing of asset management firms, administrators, custodians, prime brokers and securitisation vehicles. He specialises in the structuring and establishment of alternative investment funds.

André assists institutional investors and financial firms in doing business in Malta through various types of structures. More recently, his focus has shifted towards ESG and sustainable finance and is one of the firm’s leaders in this area.

André chairs the Wealth/Asset Management Pillar within the Malta Financial Services Advisory Council (MFSAC). He acts as a council member of the Maltese Institute of Financial Services Practitioners (IFSP) and is an external examiner and tutor at the University of Malta (Faculty of Laws).

André is an ACAMS Certified Anti-Money Laundering Specialist.

Conrad Cassar Torregiani 

Country Tax Leader, Deloitte Malta

Conrad Cassar Torregiani is the Tax leader at Deloitte in Malta, a role he took on in January 2020. Prior to this, Conrad has led Deloitte Malta’s International Tax area of practice for over ten years.

Conrad joined Deloitte in 2001 and has vast experience in advising clients, both local and foreign. Conrad is also the Deloitte leader for the Sports & Gaming sector within the central Mediterranean region, is the current president of the Malta Institute of Taxation and a lecturer in international tax law at the University of Malta and Leiden University, in the Netherlands.

Chris Casapinta

Executive Chariman, Finco Trust

After qualifying as a certified public accountant and auditor in 2000, Chris joined PwC. He started his career with the Malta office and later worked in a number of offices in the network till 2010. Most of his time was spent in the audit practice at PwC Luxembourg. During this time, he was also involved in significant capital markets and transactional assignments. 

In 2010, Chris joined Alter Domus to set up the office in Malta. The office grew rapidly and now serves a number of a reputable international clients. The office currently employs over 200 professionals. In his 13 year tenure at Alter Domus, Chris also had the opportunity to lead various businesses and initiatives within the Alter Domus Group including the set up of the Alter Domus office in Milan, Italy.

In March 2024, Chris has acquired Finco Trust. A well-established financial services firm offering corporate services and investment management. 

Chris also sits on a number of boards and investment committees of international family offices, asset management firms and financial institutions.

James Farrugia

Partner, Ganado Advocates 

James Farrugia is the Partner heading Ganado Advocates’ financial services regulatory practice. He focuses on the asset management, investment services, funds and fintech sectors. James is able to offer clients sound insight and practical solutions to their regulatory challenges. He has also been actively involved in assisting a number of blockchain-based projects.

James regularly contributes to international journals and has addressed a number of local and international conferences focusing on this sector.

Timothy Borg Olivier

Senior Manager, Tax, Deloitte Malta

Timothy joined the cross-border tax team at Deloitte Malta in July 2013 as a summer intern where he began to develop his interest in international taxation while completing his studies at the University of Malta. Upon successful completion of the law course at the University of Malta, Timothy pursued and Advanced LLM in international taxation at the International Tax Centre, University of Leiden, where he graduated cum laude and also served as a teaching assistance. Timothy has also completed the Malta Institute of Taxation’s Course on Taxation and now delivers lectures on international tax matters in the same course.

Timothy is now a Senior Manager within the cross-border tax team where he assists a number of clients on cross-border transactions. In particular, Timothy has over the years developed a keen interest in the online gaming sector and in fact assists a number of operators within this sector on a number of different tax and regulatory matters.

Domenic Azzopardi 

Associate Client Director, Alter Domus

Domenic Azzopardi joined Alter Domus Malta in October 2011 and was involved in both Corporate Services and Fund Services. He currently is an Associate Client Director within the Company act as Head of the Fund Administration Department. Domenic is also approved by the Malta Financial Services Authority to act as Compliance Officer, Money Laundering Reporting Officer and Director on regulated entities. 

Domenic’s academic qualifications include ACCA and a Banking Certificate issued by the Institute of Financial Services.

Luca Celati 

Chief Risk Officer, Heka Funds Sicav PLC

Mr Celati has over 30 years of experience in Trading and Risk Management, most recently overseeing Risk for the Heka Funds. He is Co-Founder of Abraxas Capital Management. Prior to setting up Abraxas, he was a Managing Director and Global Head of Risk Management in the Global Debt division of Dresdner Kleinwort Wasserstein in London from 1999 to 2002, where he spearheaded the approval of the Internal Model for Credit Risk at BaFin Frankfurt. Most of his previous career had been at Bankers Trust Company in London and New York, where, as a Vice President, he introduced mark-to-market to the C&I Loan Portfolio of the bank and pioneered Credit Derivatives with new products such as the first 0/1 Credit Swap and the first Loan-based TR Swap. His other successful experiences were in a Private Equity venture in Italy and in Risk Consulting. He is the father of other key innovations in Risk Management, with the first book ever on Behavioural Finance in the industry (The Dark Side of Risk Management, FT-Prentice Hall, 2004) and the subsequent work in the editing of Professor Hersh Shefrin's Behavioural Risk Management textbook (Palgrave Macmillan, 2016). He authored other articles on risk management, hedge funds and liquidity and released interviews on Bloomberg TV. 

He holds an MBA from J.L. Kellogg Graduate School of Management, Northwestern University (1988) and a Laurea in Economics summa cum laude from LUISS in Rome (1984).

Nicholas Curmi

Partner, Ganado Advocates

Nicholas Curmi heads Ganado Advocates’ capital markets practice, where he advises on a broad range of securities regulation, structured finance and financial services matters, including private and public offerings of securities and listing on Maltese as well as foreign markets, also assisting listed issuers with their continuing obligations in terms of Malta’s listing rules and all relevant EU securities regulation. Nicholas is admitted to practise law in both Malta and New York.

Nicholas regularly advises on the establishment of securitisation structures. He has represented originators, arrangers and investors in securitisation transactions involving a variety of asset classes and has advised on a number of innovative deals that have made use of the unique benefits offered by Maltese securitisation vehicles. Nicholas was Co-Chair of the Malta EU Council Presidency 2017 Working Party on the proposed EU STS Securitisation Regulation, where he was responsible for leading the technical negotiations on the Regulation on behalf of the EU Council.

Camille Pepos

Head of FinTech Supervision, Malta Financial Services Authority

Camille Pepos was appointed as Head of FinTech Supervision in March 2024 after joining the MFSA in 2020 following the creation of this same function within the Authority.

Since joining, he has developed and implemented authorisation and supervisory practices in the field of crypto assets and actively contributed to positioning MFSA as a pioneer in FinTech supervision. Camille represents the MFSA within various Committees of the European Supervisory Authorities and is currently involved in a number of European network groups related to crypto assets.

In his capacity as Secretary of the MFSA’s Authorisation Forum and Chair of the MFSA’s Supervisory Forum he has gained extensive knowledge in regulation, supervision and enforcement through his contribution to the implementation of a number of strategic projects within the organisation.

Camille has both public and private sector experience in Europe and in the Middle East supporting companies interlinking financial services and technology. At the start of his career, he held various roles in private banking, fundraising, fintech advisory and corporate services.

An economist by academic background, Camille also possesses two Master’s degrees in Finance and Wealth Management from the University of Nice Sophia Antipolis and IAE Graduate School of Management.