Senior Management

Luke Borg Costanzi

Head of Operations

Luke heads the operations department of the institution and is responsible for the Omnipay processing system and ensures that all administrative and customer support is monitored and controlled efficiently.


Kurt Desira

Head of Data Analytics

Kurt heads the data analytics team responsible for data management, integrity and security together with MIS reporting and inhouse software development.



Ruth Pisani

Head of Underwriting

Ruth is responsible for the underwriting team at customer/merchant onboarding stage. Customers/merchants are screened and checked at underwriting stage to ensure they fall within the risk appetite of the institution.

Julianne Attard

Head of Finance

Julianne is responsible for finance and treasury management. Merchant settlement control and treasury management fall with Julianne’s remit together with all other regulatory and financial reporting obligations.


Manuela Abela

HR Manager

Manuela is responsible for the human resources function for and administers several functions within the organisation. She is responsible for all recruiting, interviewing and hiring of new staff and serves as the link between the organisation’s management and its employees.