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Kirstie Ann Ellul is a seasoned professional with a background in banking and financial services. Currently serving as a Payments Officer at Sparkasse Bank Malta plc since August 2018, Kirstie has developed expertise in payment processing and financial operations. Prior to this role, Kirstie worked as an Accounting Clerk at Lombard Bank Malta from July 2013 to April 2018, where foundational skills in accounting were honed. Kirstie holds a Diploma in Banking and Financial Services from MCAST, further solidifying a strong educational background in finance.