Avv. Carmela Loredana Umbro

Carmela is a lawyer specializing in anti-financial crime. She currently works in the Anti-Financial Crime Department at Bank of Valletta (BOV), where she focuses on monitoring AML/CFT legislative updates, assessing, and transposing them into the bank’s policies and related procedures. Carmela has gained valuable experience during her ten years of service at the Financial Intelligence Analysis Unit (FIAU), where she was a Manager within the Legal Affairs Section. At the FIAU, she contributed to drafting legislation and guidance documents, coordinating public-private partnerships, and delivering training sessions.

She holds a master’s degree in law (summa cum laude) from the University of Rome “La Sapienza,” is a warranted lawyer, and a Certified Anti-Money Laundering Specialist (CAMS).