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I’m a Risk & Compliance professional in the financial and fintech sector, working in senior risk roles within regulated, multi-jurisdictional environments. I hold an MSc in Quantitative Finance, an MBA, and a Bachelor of Commerce in Banking, Finance, and Marketing, which have shaped a highly analytical, structured, and systems-driven mindset. Alongside my main career, I’m certified in web development and actively work on web and digital projects, focusing on clean structure, usability, and functional design. I also engage in game testing, where I contribute to multiple new game development projects, providing structured feedback on gameplay logic, bugs, performance, and overall user experience. As a hobby, I’m an active gamer on PC, PlayStation (incl VR) and Mobile, which gives me a strong player-centric perspective when testing games. I enjoy exploring mechanics, identifying edge cases, and helping refine games before release by combining hands-on play with analytical thinking.…I’m a Risk & Compliance professional in the financial and fintech sector, working in senior risk roles within regulated, multi-jurisdictional environments. I hold an MSc in Quantitative Finance, an MBA, and a Bachelor of Commerce in Banking, Finance, and Marketing, which have shaped a highly analytical, structured, and systems-driven mindset. Alongside my main career, I’m certified in web development and actively work on web and digital projects, focusing on clean structure, usability, and functional design. I also engage in game testing, where I contribute to multiple new game development projects, providing structured feedback on gameplay logic, bugs, performance, and overall user experience. As a hobby, I’m an active gamer on PC, PlayStation (incl VR) and Mobile, which gives me a strong player-centric perspective when testing games. I enjoy exploring mechanics, identifying edge cases, and helping refine games before release by combining hands-on play with analytical thinking.

Andrew Montebello

Data Scientist, Data Analyst, Web Developer, +1

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I’m a Risk & Compliance professional in the financial and fintech sector, working in senior risk roles within regulated, multi-jurisdictional environments. I hold an MSc in Quantitative Finance, an MBA, and a Bachelor of Commerce in Banking, Finance, and Marketing, which have shaped a highly analytical, structured, and systems-driven mindset. Alongside my main career, I’m certified in web development and actively work on web and digital projects, focusing on clean structure, usability, and functional design. I also engage in game testing, where I contribute to multiple new game development projects, providing structured feedback on gameplay logic, bugs, performance, and overall user experience. As a hobby, I’m an active gamer on PC, PlayStation (incl VR) and Mobile, which gives me a strong player-centric perspective when testing games. I enjoy exploring mechanics, identifying edge cases, and helping refine games before release by combining hands-on play with analytical thinking.…I’m a Risk & Compliance professional in the financial and fintech sector, working in senior risk roles within regulated, multi-jurisdictional environments. I hold an MSc in Quantitative Finance, an MBA, and a Bachelor of Commerce in Banking, Finance, and Marketing, which have shaped a highly analytical, structured, and systems-driven mindset. Alongside my main career, I’m certified in web development and actively work on web and digital projects, focusing on clean structure, usability, and functional design. I also engage in game testing, where I contribute to multiple new game development projects, providing structured feedback on gameplay logic, bugs, performance, and overall user experience. As a hobby, I’m an active gamer on PC, PlayStation (incl VR) and Mobile, which gives me a strong player-centric perspective when testing games. I enjoy exploring mechanics, identifying edge cases, and helping refine games before release by combining hands-on play with analytical thinking.

Available to hire

I’m a Risk & Compliance professional in the financial and fintech sector, working in senior risk roles within regulated, multi-jurisdictional environments. I hold an MSc in Quantitative Finance, an MBA, and a Bachelor of Commerce in Banking, Finance, and Marketing, which have shaped a highly analytical, structured, and systems-driven mindset.

Alongside my main career, I’m certified in web development and actively work on web and digital projects, focusing on clean structure, usability, and functional design. I also engage in game testing, where I contribute to multiple new game development projects, providing structured feedback on gameplay logic, bugs, performance, and overall user experience.

As a hobby, I’m an active gamer on PC, PlayStation (incl VR) and Mobile, which gives me a strong player-centric perspective when testing games. I enjoy exploring mechanics, identifying edge cases, and helping refine games before release by combining hands-on play with analytical thinking.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Language

Maltese

Fluent

English

Fluent

French

Intermediate

Italian

Intermediate

Work Experience

Operational Risk Framework Lead at Bitpanda

January 1, 2025 - Present

Led operational risk governance and framework development across the Bitpanda Group. Implemented risk policies and controls, overseen incident and event management (JIRA & Resolver), and coordinated cross‑functional risk initiatives. Supported business continuity planning, stress testing, and crisis management, while driving risk awareness through培训 and programs.

Malta Country Risk Manager at Bitpanda (PQ’d by the MFSA)

October 1, 2023 - Present

Oversee outsourcing and supplier risk management for Malta operations; conduct product and transaction risk reviews; provide regulatory and licensing support; develop BRA, BIAs, and RCAs; align Malta risk taxonomy and policies with Group standards; support MiCA licensing processes.

Malta Country Compliance Officer (interim) at Bitpanda (PQ’d by the MFSA)

September 1, 2025 - Present

Maintain compliance framework; manage MFSA submissions; monitor breaches and compliance risks; update policies; deliver training to sustain regulatory awareness; uphold ethics and culture within the organization.

Group Risk Manager at Bitpanda

October 1, 2023 - December 1, 2024

Develop and implement risk policy, procedures, and mitigation strategies; identify, assess, and prioritize risks across business areas; ensure compliance with MiCA, DORA, ESG, and other financial services regulations; lead ICAAP/ILAAP efforts; oversee incident management and risk modeling; drive training and awareness.

Financial Services Risk Manager at Bitpanda

January 1, 2024 - March 1, 2025

Oversee outsourcing and supplier risk for Bitpanda Financial Services; conduct risk assessments for new products and transactions, and securitization offerings; produce quarterly risk reports; perform BIAs and RCAs; align with Group risk taxonomy; manage group incident processes.

Risk Manager at Izola Bank

August 1, 2022 - October 1, 2023

Identify and mitigate risks; design ICAAP and ILAAP frameworks; use advanced risk models (VaR, Expected Shortfall, PD, LGD, EAD) with stress testing and scenario analysis; coordinate crisis and recovery planning; validate models and prepare reports for senior management and the board; liaise with Information Security and Data Protection Officers.

Financial Data Analyst at MeDirect Bank

May 1, 2022 - August 1, 2022

Collect, clean, and analyze financial data; develop financial models for forecasting; perform risk analyses using Monte Carlo simulations and sensitivity analysis; support budgeting and strategic planning; automate reporting and create data visualizations for stakeholder communications.

Regulatory Reporting Officer at MeDirect Bank

May 1, 2021 - May 1, 2022

Develop NSFR and LCR reporting templates for Basel III compliance; automate reporting using SQL, Python, and advanced Excel; ensure data integrity and regulatory readiness; provide training and respond to regulatory inquiries; support decision-making with liquidity and risk insights.

Risk Analyst at Bank of Valletta

May 1, 2020 - May 1, 2021

Regulatory reporting to ECB; manage confidential data; serve as ECB On‑Site Inspector liaison; lead COVID-19 impact assessment reporting for liquidity and operational risk; contribute to risk governance.

Risk Analyst at Bank of Valletta

May 1, 2018 - May 1, 2020

Information security awareness training; incident management; policy development and compliance; system and security monitoring; risk and vulnerability assessments; contributed to major security initiatives including 2019 hack recovery and core system transition.