Senior Team John SolerChairman John has more than 40 years’ experience in retail banking after holding several senior positions with BOV plc. He led the bank’s operations for over a decade before being appointed to the senior management team as Chief Officer Credit, with responsibility for BOV’s lending portfolio, including consumer lending, business lending, and mortgages. At BOV, John was also responsible for card business and trade finance. Ron HuggettChief Executive Officer & Director Ron Huggett retired from the Royal Bank of Scotland in July 2009 after 36 years with the bank. He started his career in the bank’s Finance Department and after 8 years moved to Corporate and Strategic Planning. In 1984 Ron moved into Treasury where he was responsible for trading Eurobonds and Government Securities. Ron became a member of the RBS’s executive team in 1998 and was responsible for raising the funding for the successful takeover of NatWest Bank in March 2000. Ron was Deputy Group Treasurer when he retired from RBS. Since his retirement Ron has continued to work as a consultant in the Treasury area. Ron joined the Board of FCM Bank in July 2012 and became CEO in June 2014. Tony Mahoney Director Tony Mahoney spent 27 years at HSBC Group culminating in 5 years as the Group General Manager and Head of UK Network of 1600 branches, 130 commercial centres, as well as chairing HSBC Life UK Ltd. He also served as a Deputy CEO of HSBC Continental Europe based in Paris, in which he was responsible for 18 countries, including Malta. Tony has deep links with Malta, dating back to 1997 when he became CEO of Midland Bank Malta, COO of HSBC Bank Malta plc, and subsequently Executive Director of HSBC Malta plc between 2008 and 2010. In 2011, Tony joined Oman’s third largest company, Bank Dhofar, where he was appointed CEO and successfully led the bank to become recognised as Best Bank in Oman before leaving the Sultanate in November 2013. Since then he has been based in Malta advising a number of companies and family offices globally. Øyvind Oanes Director Øyvind has more than 15 years of experience from the financial services industry. He joined GE Capital in 1999 and spent 9 years with the company holding a range of commercial leadership roles in Norway, Switzerland and in Russia where he served on the board as Chief Marketing Officer. From 2008 to 2011 he was Managing Director and member of the executive team at Austria's Bawag PSK where he was responsible for a major turnaround of the retail banking business. Since January 2012 he has been a Board Member of ZUNO Bank - an Austrian start-up direct bank operating in Slovakia and the Czech Republic. Øyvind has been ZUNO's Chief Executive Officer since October 2013. Joann Mifsud Head of Operations Joann manages the day-to-day operations of the Bank, ensuring that the highest standards are achieved. She is responsible for the continous improvement and development of operational platforms of the bank to maximise resources, technology and systems to provide added customer value. Joann has over 20 years of global banking experience in key leadership roles at HSBC and Mediterranean Bank plc with projects, customer service and operational engineering. Joann is a Henley Management College MBA graduate and has successfuly completed an MSc in Lean Systems with Cardiff University. Luke Calleja Chief Financial Officer Luke has been with FCM since it was launched and is responsible for the Finance and Treasury functions at the Bank. He is also the Bank’s Risk Officer whereby he assists the Board to ensure a comprehensive approach to the identification, assessment and management of risks. Luke has a background both on the consultancy side, with a role at KPMG advising banks on issues such as licensing, capital adequacy and risk management, and also as part of the setup of Mediterranean Bank plc, where he was Finance Manager. Luke is a Member of the Malta Institute of Accountants and an Affiliate of the Association of Chartered Certified Accountants and holds a first class Honours Bachelor of Commerce degree in Banking and Finance from the University of Malta, having graduated top of his course.