Jonathan Spiteri Author & Editor

Mark L. Zammit is an experienced financial services professional with over 22 years’ experience in retail banking, insurance, investments, and business consultancy. He is an authorised independent risk manager with fund management companies and insurance firms. He is also a casual lecturer within the Department of Insurance and Banking and Finance at the University of Malta. Jonathan Spiteri is a resident academic within the Department of Insurance at the University of Malta and a visiting lecturer in economics at the University of Edinburgh. His current research interests include behavioural economics, environmental economics, and risk management.  Simon Grima is a senior lecturer and the head of the Insurance Department at the University of Malta. His research and consultancy focus on governance, regulations, and internal controls. He has over 30 years of experience working in internal audit, compliance, risk management, investments, financial management, and treasuries with both public and private entities, especially those related to the financial services industry.