Arnold Cini has 30 years of experience in banking. He joined Bank of Valletta in 1987 and in the meantime graduated in Bachelor of Commerce from the University of Malta. At Bank of Valletta he was mainly in Credit for nine years out of thirteen. His main role was as a Credit Officer within the Bank’s main branch of Republic Street Advances Department. After which in 2000 he moved to Disbank Malta Ltd, a subsidiary of Disbank Group Turkey, (eventually Fortis Bank). He was in the Finance department and his main duties were the preparation of the management accounts and statutory reporting. In 2002 he joined FIMBank plc where he was exposed to trade finance and one of his main roles where in Risk Management for more than five years, responsible for credit lines for downstream banks and acting as a secretary on the Credit Committee. Eventually he moved in Compliance whereby he was responsible in the initial set up of this area and leading a team responsible for the due diligence for onboarding of the customers and ongoing monitoring. Arnold obtained the ACAMS certification as an anti-money laundering specialists in 2010. In 2013 Arnold joined AgriBank plc as of Head of Credit. He was actively involved in the setting up of the Credit Department in this relatively new bank. He was responsible in building up and monitoring the Bank’s credit portfolio and also a member of the Credit Committee. In 2016 he moved back to compliance as Head of Compliance and MLRO. He also was appointed as Company Secretary for the Bank and its holding company.