Karol Gabarretta is the Secretary General of the Malta Bankers’ Association (MBA) as from the 23rd July 2018. Mr Gabarretta represents the Association on various local bodies, such as the Management Committee of the Deposit Compensation Scheme and Board of Governors of FinanceMalta. He also sits on the Executive Committee of the European Banking Federation (EBF). He holds a Bachelor’s degree in Economics (B. Comm. Econ.) and a post-graduate degree in Financial Services (M.A. Fin. Serv.) from the University of Malta. Mr Gabarretta was employed by the Central Bank of Malta (1979-2001) and subsequently by the MFSA (2002-2018) and is a former member of the ECB’s Supervisory Board. Mr Gabarretta also served as Chair of the Committee of European Banking Supervisors (CEBS) Task Force on Supervisory Disclosure (TFSD) and provided assistance within the EU Commission’s TAIEX program as an Expert on Banking Provisions of Financial Services Acquis.