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Marcel Cassar is CEO of APS Bank plc since 2016. His career started in 1987 with Price Waterhouse, followed by successively senior executive positions at MIBA/MFSC (now MFSA), Lombard Bank Malta plc and FIMBank plc. He presently chairs the Malta Bankers’ Association and sits on the board of the European Banking Federation. Marcel is a CPA, fellow of the Malta Institute of Accountants and holds an MBA in Bank Financial Management jointly from the University of Wales and Manchester Business School (1995). He has lectured, supervised and examined at both FEMA and the MA Financial Services course, University of Malta.