Mr Cardona is a Certified Public Accountant with 23 years of experience working in the banking industry. Over the course of these years, he has accumulated extensive experience in Risk Management and Commercial Banking, spanning more than 17 years. His primary focus areas encompass credit portfolio management, corporate finance, data analytics, regulation, budgeting, forecasting, as well as financial and credit risk management.

Since December 2010, Mr Cardona has been heading the Credit Portfolio Reporting and Control function within Business Banking dealing with Strategy related matters, Functional Risk Management, Reporting, Finance & Performance Management, specialized Credit Management (including pricing and rating models), as well as being the 1st LOD from a Risk and Compliance perspective (including AFC).

Mr Cardona holds a Masters in Financial Management from Heriot-Watt University, with specialization in Finance, Risk Management, and Quantitative methods. He is recognised as a Fellow member of the Association of Chartered Certified Accountants (FCCA) as well as holding first degrees in Taxation and Accounting.