Justin Baldacchino

Managing Director, Supervision joined the DFSA in January 2020. He is responsible for providing an effective and efficient risk-based authorisation and supervision strategy for the DFSA consistent with the DFSA’s strategic and business objectives. 

Mr Baldacchino’s international career in finance spans more than 20 years. Mr Baldacchino was a career banker prior to joining the DFSA and has in-depth knowledge of regulatory interpretation, liaison and implementation. Mr Baldacchino has significant experience in private, commercial, corporate , institutional and investment banking  focusing on regulatory affairs, compliance, credit, operational risk, governance, AML, capital and acquisitions. 

Before joining the DFSA, he served as the Head of Regulatory Compliance for ANZ Bank, leading the strategic management of regulator relationships in Australia. Prior to that, he was based in Hong Kong where he worked for JP Morgan as the Executive Director, Head of International Operational Risk, APAC. In this role he held overall responsibility for International Operational Risk for APAC across all business lines for JP Morgan. Mr Baldacchino defined and drove the Operational Risk control, capital and regulatory governance framework across 14 countries in APAC. Prior to this, he also held the role of Executive Director, Head of Regulatory Compliance, APAC for JP Morgan in Hong Kong. Before joining JP Morgan, Mr Baldacchino was the Asia Head of Compliance and Risk Governance for National Australia Bank based in Hong Kong. Mr Baldacchino’s experience includes executive roles with National Australia Bank in Australia. 
Mr Baldacchino earned an MBA and Post Graduate Diploma from Melbourne Business School and a Bachelor of Economics from La Trobe University. In 2021 Mr Baldacchino also completed the Global Certificate Program for Regulators of Securities Markets from Harvard Law School.

He is also a Certified Anti-Money Laundering Specialist and served as an Executive Board Member for the Association of Certified Anti-Money Laundering Specialists in Hong Kong for several years. Mr Baldacchino is also a member of The Basel Consultative Group (BCG). The group provides a forum for deepening the Basel Committee's engagement with supervisors around the world on banking supervisory issues.