Neil Baldacchino
Senior AML Consultant
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Executive summary
Neil Baldacchino is a Senior AML Consultant within the Risk Advisory team at BDO Malta, bringing over a decade of experience in financial services, with a strong focus on anti-money laundering (AML), financial crime prevention, regulatory compliance, and risk management.
Prior to joining BDO Malta, Neil served as Regulatory Compliance Lead at a leading global institutional crypto-asset broker and Crypto-Asset Service Provider (CASP), where he played a key role in implementing the MiCA and DORA regulatory frameworks, maintaining up-to-date compliance policies and procedures, overseeing the classification of crypto-assets under VFA and MiCA, and managing responses to regulatory enquiries.
Neil also held senior financial crime compliance positions within a Maltese credit institution, including Deputy MLRO and Manager within the Financial Crime Compliance function. In these roles, he was responsible for transaction monitoring, suspicious activity reporting, regulatory project management, engagement with competent authorities on AML/CFT matters, the implementation of customer profiling and monitoring rules, and the delivery of AML training programmes across the organisation.
Earlier in his career, Neil held compliance, regulatory and supervisory roles within a banking institution authorised to provide banking, investment, custody and depositary services, the Malta Business Registry (MBR), and the Malta Financial Services Authority (MFSA). At the MFSA, he was involved in the review of listing applications and prospectuses, and contributed to legislative and regulatory developments. His foundational experience also includes roles within the fund administration sector and with one of the Big Four, where he gained exposure to advisory, assurance and regulatory matters across the financial services industry.
Through his diverse experience across regulation, banking, professional services, fund administration and the digital assets sector, Neil has developed extensive expertise in AML/CFT compliance, regulatory frameworks, governance, risk management and financial crime prevention.
EDUCATION
Prior to joining BDO Malta, Neil served as Regulatory Compliance Lead at a leading global institutional crypto-asset broker and Crypto-Asset Service Provider (CASP), where he played a key role in implementing the MiCA and DORA regulatory frameworks, maintaining up-to-date compliance policies and procedures, overseeing the classification of crypto-assets under VFA and MiCA, and managing responses to regulatory enquiries.
Neil also held senior financial crime compliance positions within a Maltese credit institution, including Deputy MLRO and Manager within the Financial Crime Compliance function. In these roles, he was responsible for transaction monitoring, suspicious activity reporting, regulatory project management, engagement with competent authorities on AML/CFT matters, the implementation of customer profiling and monitoring rules, and the delivery of AML training programmes across the organisation.
Earlier in his career, Neil held compliance, regulatory and supervisory roles within a banking institution authorised to provide banking, investment, custody and depositary services, the Malta Business Registry (MBR), and the Malta Financial Services Authority (MFSA). At the MFSA, he was involved in the review of listing applications and prospectuses, and contributed to legislative and regulatory developments. His foundational experience also includes roles within the fund administration sector and with one of the Big Four, where he gained exposure to advisory, assurance and regulatory matters across the financial services industry.
Through his diverse experience across regulation, banking, professional services, fund administration and the digital assets sector, Neil has developed extensive expertise in AML/CFT compliance, regulatory frameworks, governance, risk management and financial crime prevention.
EDUCATION
- Master of Laws (LLM) in Banking & Finance Law, University of London
- Bachelor of Commerce (Honours) in Banking and Finance, University of Malta
- Bachelor of Commerce in Accountancy and Banking & Finance, University of Malta