Mr. Xhafaj graduated in Management at the University of Istanbul and holds a master’s degree in European Economic Studies at the University of Tirana. Mr. Xhafaj has a long working experience in the banking sector as well as a 3-year experience in telecommunications. His professional career began in 2002 at the Internal Auditing Department of BKT Albania, in the position of Internal Assistant Auditor, where he was promoted in 2008 to the position of Deputy Director, which he held until 2012. During this time, he was also engaged in the position of Secretary of the Board of Directors of BKT Albania. From 2012 to 2015, Mr. Xhafaj was appointed to the position of Internal Audit Director at the telecommunications company Albtelecom Sh.a., where he also established the Internal Audit function in this company. In 2015, he was appointed Head of the Internal Audit Group of BKT Kosovo JSC. In addition to the various qualifications in the banking sector, Mr. Xhafaj owns the CIA Certified Internal Auditor (CIA).