Gaby Zammit

Gaby Zammit is a Managing Associate within the fintech team at WH Partners. Gaby advises a wide range of market players, including fintech companies and other financial institutions, on matters involving market regulation and related compliance requirements. She has extensive experience assisting clients with the licensing of electronic money institutions, payment institutions, crypto service providers, collective investment funds, and investment firms, as well as with corporate and commercial matters, particularly corporate governance, mergers and acquisitions, and general company law.

- Licensing of Electronic money and payment institutions

- Crypto service provider applications

- Assisted collective investment schemes obtain licenses issued by the MFSA

- FinTech companies and start‑ups

- Payment Service Providers (PSPs)

- Electronic Money Institutions (EMIs)

- Crypto‑Asset Service Providers (CASPs)

- Financial institutions and other regulated entities seeking corporate and compliance guidance

- Assisting clients with licensing of electronic money and payment institutions in Malta.

- Supporting crypto service provider applications and regulatory strategy.

- Helping collective investment schemes secure licences from the Malta Financial Services Authority (MFSA).

Gaby worked for several years at one of the “Big Four” audit firms advising local and international corporate clients on company law, financial services regulation, and licensing. She also spent five years at a leading Maltese law firm building a foundation in corporate and commercial law. Gaby also gained experience at a boutique law firm in London specialising in telecoms and technology law.