FinanceMalta Board of Governors

Kenneth Farrugia joined Bank of Valletta plc (BOV), Malta's largest banking group, in 1985 and has since occupied various positions within the Bank. Kenneth currently holds the post of Chief Business Development Officer at Bank of Valletta plc and sits on the Group's Management Board. Kenneth is amongst others responsible for the improvement of the Bank’s market position, as well as the achievement of financial growth and long-term strategic business goals. Kenneth is also the Chairman of FinanceMalta, Malta's national promotional body for financial services, and also serves as Chairman of the Malta Funds Industry Association. He is also the Chairman of Malita Investments plc which is listed on the Malta Stock Exchange. Kenneth is married to Kathleen and has two children.

Karol Gabarretta 
is the Secretary General of the Malta Bankers’ Association as from the 23rd July 2018. Mr Gabarretta replaced Mr James Bonello who retired after 14 years in office. Mr Gabarretta was previously employed by the Malta Financial Services Authority (MFSA) as Director, Banking Supervision. Mr Gabarretta is also a former member of the ECB’s Supervisory Board. Prior to joining the MFSA in 2002, Mr Gabarretta had been employed by the Central Bank of Malta for a period of 23 years where he worked in several divisions including Economics and Research, Banking Regulation and Supervision and Financial Stability. Karol holds a Bachelor’s degree in Economics and a post-graduate degree in Financial Services from the University of Malta.

Dr. Matthew Bianchi is a partner at GANADO Advocates and heads the law firm’s Insurance & Pensions team.

He regularly advises re/insurance companies, insurance managers, captives, protected cell companies (PCCs) and insurance intermediaries. Matthew is also the Secretary General of the Malta Association of Insurance Brokers and the Malta Insurance Managers Association.


Wayne Pisani is the Grant Thornton partner responsible for the corporate and financial services team in Malta where he deals with a wide range of asset protection and cross-border regulatory and tax planning engagements for clients ranging from private clients, including family offices and high-net-worth individuals, to NASDAQ listed companies in various industry sectors. He conducts an active consulting practice on the legal and tax implications involved in the structuring of both local and international financial institutions, M&A and project finance transactions. Wayne is the President of the Malta Institute of Financial Services Practitioners.

Dr Annalise Micallef is a partner at Micallef & Associates, a firm of notaries and estate planners.

Having pursued a law degree and specialised with a Masters in Financial Services at the University of Malta, Dr Micallef practises as a notary public while being actively involved in the regulation of the notarial profession as Vice-President of the Maltese Notarial Council. Her main areas concern estate planning, most notably trusts and foundations. She is a member of the Society of Trust and Estate Practioners (STEP) Malta Executive Committee, and of the STEP EU Committee which deals with issues concerning different EU initiatives. Dr Micallef currently sits on the Executive Council of the Council of the Notariats of the European Union (CNUE).

John Huber is Managing Consultant at John Huber & Associates, a Maltese advisory firm catering for tax services with special focus on tax issues related to relocating to Malta. He served as adviser to Government and a technical reference point on various residence programmes.  He also serves as a non-executive Director on a number of Maltese companies.

John has held board level positions and leadership roles at Eurochambres, the Malta Chamber of Commerce, Enterprise and Industry, the Malta Business Bureau, the Malta Council for Economic and Social Development, EU Commission Advisory Committees, Cedefop and the Malta Community Chest Fund.


Giselle Borg Olivier is Marketing Executive and Secretary to the Board at FinanceMalta.

Giselle graduated in Integrated Marketing Communications from the University of Malta and held marketing roles in diverse industries including language and travel, IT software, and financial services. She has been at FinanceMalta since 2012 where she heads the digital marketing sector and is also a freelance writer and proofreader.


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