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Senior Associate

Sarah Zerafa Lewis

Sarah Zerafa Lewis

Sarah is a Senior Associate within the Banking & Finance department at Mamo TCV Advocates and joined Mamo TCV Advocates in February 2024. For five years, Sarah formed part of the Malta Financial Services Authority’s Banking Supervision Unit, where she was involved in the provision of internal and external legal advice in relation to the supervision of credit and financial institutions, transposition and implementation of EU legislation and regulation into Maltese law and participation in different fora at national and European level. Sarah also worked as an in-house lawyer as Legal Manager with a credit institution registered in Malta and licensed accordingly by the MFSA where she undertook company secretarial duties in relation to the Board of Directors, the Audit and Risk Committee and the Strategy Committee. She was also involved in the bank’s compliance matters and advising on regulatory requirements, assisting the bank in contractual agreements with third parties (including outsourcing agreements for critical or important functions) as well as overseeing the Data Protection Officer.

Sarah Zerafa Lewis - Mamo TCV Advocates

Practice Areas


  • Bachelor of Laws (Hons), 2012 (Malta) (University of Malta)
  • Diploma in Taxation, 2015 (Malta Institute of Taxation)
  • Doctor of Laws, 2015 (University of Malta)

Get In Touch


MAMO TCV Advocates
Palazzo Pietro Stiges
103, Strait Street
Valletta, VLT 1436

Stay updated with our latest insights

Mamo TCV Advocates: The EU regime regulating Alternative Investment Funds (AIFs) has been updated through the publication of the AIFMD II which replaces the first AIFMD originally published more than ten years ago.
Investment Services & Funds

Maltese Implications from the EU’s AIFMD II Directive

The regulatory landscape for investment fund management within the EU underwent an evolution with the enactment of ‘Directive (EU) 2024/927 on Delegation Arrangements, Liquidity Risk Management, Supervisory Reporting, the Provision of Depositary and Custody Services and Loan Origination by Alternative Investment Funds’, commonly referred to as AIFMD II (or the “Directive”).  The legal regime regulates alternative investment funds (“AIFs”) and their fund managers. AIFMD II replaces the first AIFMD. The publication of the AIFMD II in the EU's Official Journal on the 26th of March 2024 marked the commencement of this new phase in European fund regulation, with the Directive…
Mamo TCV Advocates – Safeguarding under the Proposed PSD3
Banking & Finance

Payments Insights #1 –
Safeguarding under the Proposed PSD3

Introduction to the Payments Insights Series The European Commission is currently in the process of updating the EU’s legal framework for payment services. These proposals include: A proposed Third Payment Services Directive (the ‘PSD3’) which is a directive on payment services and electronic money services in the EU’s internal market which will repeal the Second Payment Services Directive (the ‘PSD2’) and the Second Electronic Money Directive (the 'EMD2’); and A proposed new Payment Services Regulation (the ‘PSR’). The proposed legal amendments aim to: Strengthen the protection of users and enhance confidence in payments and electronic money services; Improve the competitiveness…
Insurance & Reinsurance

Regulatory Compliance Quarterly Update | Q1 2024

We are pleased to issue our eighth edition of the Regulatory Compliance Quarterly Updates. These updates are intended to keep Maltese regulated entities informed of regulatory changes and developments taking place in the local financial services space. In this issue, we focus on the sector specific and cross-sectoral regulatory updates relating to investment services, CSPs, insurance undertakings and insurance intermediaries. Our eighth Regulatory Compliance Quarterly Update can be found here .The Regulatory Compliance Quarterly Update does not purport to give legal, regulatory,financial or tax advice. Should you require further information or assistance, please do not hesitate to contact Michael Psaila,…
European Commissions Releases FAQs on Notification and Authorisation of Tanker Sales
Corporate and M&A
Sanctions 7: European Commission Releases FAQs on Notification and Authorisation of Tanker Sales
Mamo TCV: To date, Embedded Finance has neither been defined in Maltese nor EU law
FinTech Insights #6 –
Embedded Finance in Malta
On 14th March, the MFSA published “A Guidance for Money Laundering Reporting Officers in the Financial Services Sector”, to be read in conjunction with previous guidelines issued in relation to the MLRO function.
Corporate and M&A
MFSA publishes a Guidance for MLROs in the Financial Services Sector