Cliona Testa Refalo is an Accounts Supervisor at A2CO with over eight years of experience in client accounting and financial reporting. Throughout her career, she has supported a wide range of clients, from self-employed individuals to complex, multi-structured businesses, ensuring they meet their accounting, tax, and regulatory obligations effectively.

Her professional experience extends across several industries, including gaming, maritime, local enterprises, and investment holding companies. In addition to her core accounting responsibilities, Cliona has assisted with tax compliance, audit preparation, and employment-related matters such as payroll and work permits. This broad exposure has enabled her to develop a deep understanding of different business structures and operational needs.

At A2CO, Cliona focuses on financial reporting, client accounting, and compliance support. She adds value by delivering accurate and timely financial information tailored to each client’s requirements, while also contributing to wider company services to provide a comprehensive and efficient client experience.

Cliona is a member of both the Association of Chartered Certified Accountants (ACCA) and the Malta Institute of Accountants (MIA). Her commitment to professional excellence is reflected in her work on complex accounting projects, financial projections for crypto and EMI licence applications, and ensuring full compliance across industries.