Ramon Montebello

Ramon Montebello has extensive work experience in the financial services industry, specifically in roles related to operations, risk management, and fraud prevention.

Starting in 2008, they worked at various companies such as Dorobet Ltd and Unibet, where they gained experience in sports-betting shop support and financial fraud team leadership.

In 2010, Ramon joined Credorax as a Senior Fraud Analyst, eventually being promoted to Head of Fraud Prevention. At Credorax, they provided payment processing and acquiring bank services to online merchants globally.

In 2013, Ramon moved to BlueSnap, where they served as the Head of Risk & Compliance for the EU & International markets. Ramon oversaw the implementation and review of anti-money laundering policies and maintained compliance with regulators and authorities.

Ramon then joined Secure Trading as the Head of Fraud in 2014, responsible for managing fraud prevention in a fully regulated licensed financial institution.

In 2015, Ramon briefly worked as a Visiting Lecturer at ifs Malta, a not-for-profit professional body offering further and higher education programs.

From 2016 to 2021, they held the position of Director at CFD Team - OpenPayd, contributing to the company's business solutions.

In 2017, Ramon joined OpenPayd, initially as the Director of Card Acquiring, and later transitioning to become the Group Head of Fraud & Credit Risk. Additionally, they served as the Executive Director - Business Solutions and COO at Openpayd Financial Services Malta.

In 2021, they joined Koala Capital as the Chief Operations Officer, overseeing operational strategies and processes for the company.

Currently, Ramon Montebello holds the position of Chief Operating Officer at PayFuture, a role they assumed in 2022.

Ramon Montebello has an extensive educational background. Ramon first attended the University of Malta from 2005 to 2008, where they obtained a Bachelor of Commerce degree with a focus on Economics and Public Policy. In 2008, they pursued further education at the British Collage of Accordionist and obtained a L.B.C.A degree in Music-Accordion.

In the same year, Montebello also received a Diploma in Criminology from EDI/ASET. Ramon then continued their education at I.U.K.B (Sion) from 2008 to 2010, earning an M.B.A degree with a specialization in Business.

Additionally, in 2010, Montebello acquired an Advanced Certificate in Financial Crime and Compliance from The University of Manchester. In 2011, they enrolled in the University of Portsmouth, where they completed a Postgraduate Diploma in Advanced Professional Research, focusing on Fraud, Deception, and Interpersonal Trust. Moreover, Montebello pursued a Can. for Doctor of Business Administration at the same institution from 2011 to 2017, emphasizing Fraud, Deception, and Interpersonal Trust once again.

In terms of certifications, Montebello obtained a Certified Fraud Examiner credential from the Association of Certified Fraud Examiner in 2010. Ramon also earned the Certified Financial Crimes Investigator designation from the International Association of Financial Crimes Investigators in 2012. Additionally, in 2019, they acquired a Private Pilot License from the European Union Aviation Safety Agency.