Meet our Team

We are proud of our passionate and experienced team…

Malta Office

(+356) 2010 4700

Ray Cremona

Director (Malta)


Ray joined the Company in June 2015 as the Compliance Officer

Ray has worked in the financial services industry for over 12 years, seven years of which as Manager, within the Company Compliance Unit of the Malta Financial Services Authority. He was also Compliance Manager with the biggest QROPS operator in Malta for over two years. He has also occupied senior positions within the Malta Civil Service.

Ray has a Diploma in International Compliance by ICA, a Bachelors of Arts degree and a Masters degree in Business Administration.

“I have been working for over 42 years, twenty years of which in Financial Services. I have no doubt that Affinity, is my best ever Employer. During the past years I have recognised that the Company is keen to adhere to all regulatory rules and regulations.”