Christine Cefai

AML/CFT and Compliance professional with 6+ years in gaming regulatory supervision, experienced in analysing AML/CFT Frameworks, business models, internal controls and customer data to identify AML/CFT risks in line with the risk-based approach. Strong background in drafting clear audit reports, presenting findings to the FIAU and assessing prospective MLROs. Adaptable communicator with proven ability to work effectively with diverse teams and stakeholders.

AML Executive at Malta Gaming Authority (2019 – 2026)

Led AML/CFT Compliance Examinations on remote gaming subject persons with diverse customer base in line with AML/CFT regulations emanating from the Maltese regulatory framework within stipulated deadlines in accordance with the FIAU Supervisory cycle.

• Assessed AML/CFT Frameworks and customer files against Maltese regulatory obligations within the remote gaming sector.
• Identified and documented control gaps and compliance risks from a regulatory perspective.
• Prepared compliance reports and issued Potential Breach, Remediation or Closure Letters according to the severity of findings.
• Presented compliance reports and minutes to the FIAU to inform sanction determinations.
• Completed all required FIAU documentation in accordance with the Supervisory Framework.
• Submitted SMB checklists to the Sanctions Monitoring Board, together with the subject person's policies, procedures and any findings related to compliance with Article 17(6) of the NIA.
• Monitored and reviewed assistant's work to ensure consistency and alignment with requirements.
• Communicated clearly with MLROs to obtain required information and ensure timely submission of documentation.
• Proactively addressed and resolved any issues arising during Examinations.
• Interviewed prospective MLROs to evaluate their competence and understanding of the Maltese AML/CFT regulations. Compiled post-interview evaluation forms and presented cases requiring rejection to MGA's Fit and Proper Committee.
• Delivered AML Unit presentations to students and staff during job shadowing and authority wide sessions.
• Supported the supervision of external consultants engaged to clear the AML Unit's compliance report backlog in 2022.
• Updated AML Unit policies and procedures to reflect the latest FIAU and internal guidance.
• Trained new starters and provided cross departmental job-shadowing to support knowledge sharing.
• Developed informative content on Maltese AML/CFT obligations for the MGA's website and social media channels.

ESG Committee Secretary at Malta Gaming Authority (2023 – 2026)

Served as ESG Committee Secretary alongside AML Executive role, supporting the MGA's sustainability agenda.

• Coordinated committee meetings, preparing and distributing agendas, minutes and supporting documentation.
• Contributed to ESG initiatives focused on workplace practices and environmental improvements.
• Presented the organisation's ESG Strategy at internal staff events.
• Delivered ESG updates to EXCO and Board members.
• Identified a learning and development gap and recommended a training initiative, which was subsequently implemented by the organisation.

HR Officer at Malta Gaming Authority (2016 – 2019)

Supported key HR processes across recruitment, onboarding, learning and development, employee engagement, and policy implementation, helping strengthen organisational culture and streamline people operations.

HR roles at UK companies (pre 2016)

HR roles in UK companies, covering recruitment, payroll, employee relations and employment law.

PG (Dip) in Human Resource Management – University of Portsmouth

BA (Hons) in English Language and Literature – University of Portsmouth