Mr. Etienne Borg Cardona is a certified public accountant and auditor by profession and holds a practicing warrant. He initially gained experience in the banking sector and in accountancy and audit practice, followed by a thirty-year career in leadership positions in the private sector. In this role he was active on corporate boards and board committees responsible for governance, investment portfolio management, mergers and acquisitions, joint ventures and projects. Currently he is the founding partner of Capital Advisory Limited, an independent consulting firm, and advises on corporate finance and financial management, business optimisation and company turnarounds, and corporate governance. Mr. Borg Cardona sits on the boards of a number of local and international companies in a non-executive capacity. Further, he serves on the board of directors of various companies in the financial and commercial sectors, including regulated and listed companies, namely Gasan Finance plc (C 16435), Main Street Complex plc (C 34767), APS Funds SICAV plc (SV 78), and Calamatta Cuschieri Finance plc (C 85280). Mr. Borg Cardona is an elected council member of the Malta Institute of Accountants, and a member of the Malta Chamber of Commerce, Enterprise and Industry’s SME and Family Business Committee. A Fellow of the Chartered Association of Certified Accountants and the Malta Institute of Accountants, he holds a Masters’ degree in Financial Services from the University of Malta and is currently reading a PhD in Leadership and Management at Cranfield Business School, Cranfield University, UK, specialising in corporate strategic leadership. He currently lectures at the University of Malta in the departments of accountancy, management and public policy within the Faculty of Economics, Management and Accountancy. He also lectures mature students on the history of finance, commerce and money in modern economies at the University of Malta’s Centre for Liberal Arts and Sciences, and is a visiting lecturer at Cranfield Business School, Cranfield University, UK.