Malcolm has over 25 years experience in the financial services sector. He qualified with Josolyne Layton-Bennett before spending 2 years with Price Waterhouse. He joined Commercial Union (CU) in 1981 where he held a variety of senior finance roles over a period of 18 years. Between 1991 and 1993 he was Finance Director for CU’s mutual fund operations. In 1995 he became CFO for all CU’s UK insurance operations. Following the merger with GA in 1998 he became CEO for the combined retail fund operations. After leaving CGU he worked for his own financial services consultancy, becoming actively involved in financial services in Gibraltar as part of a project team establishing a large insurer locally. He is part owner and CEO of Vista Fund Services Limited as well as a director of a number of companies, including Experienced Investor Funds. Malcolm holds a Class VIII licence under the Gibraltar Financial Services Act 1989 as a Company Manager in respect of client companies and the provision of directorships to Experienced Investor Funds, licence number FSC00886I.