about us

Developer, builder and manager of pension funds.

Worldwide Pensions develops, builds and manages pension funds for companies.
We do this from our offices in the EU member states Malta (C51268) and The Netherlands        (AFM 12044826).

The company was founded in 2009 on the principle that the interests of employer and employees should be central and if desired, combined with participation and control.

To realise this, we have developed an open pension model that operates on the basis of European Pension Legislation; the IORP Legislation. This legislation has existed since 2003 and gives companies more opportunities to arrange the pension that suits them, whilst retaining more control and direction over its functionality.

Worldwide Pensions and the pension funds it manages are under strict supervision of the Malta Financial Service Authority (MFSA) and of the Financial Authorities of the country where the employer is based.


Meet the team

Richard Cok

Richard is a visionary, cross-thinking and skilled professional. As CEO of Worldwide Pensions, he is responsible for the innovation and growth of the company. He started his professional career in 1992 and has gained a vast wealth of knowledge and expertise (international) in pensions. He has advised many companies on setting up company pension plans. He is one of the founders of Worldwide Pensions and before that he was a partner and director of a medium-sized consultancy firm, specialising in collective pensions and Employee Benefits. Richard has successfully completed various courses in pensions and life insurance, as well as being approved by the Dutch Central Bank (AFM) and the Malta Financial Services Authority (MFSA).

Chantal Cok

Chantal is the Chief Operations Officer of Worldwide Pensions. She is responsible for managing the internal organisation and for the marketing and sales. After graduating in 1998 as a Bachelor in International Management (Amsterdam), Chantal started her career in the financial sector as a Financial Planner. She was one of the first student, outside the USA, to graduate as a Registered Life Planner at the renowned George Children's Institute for Life Planning. Chantal is one of the co-founders of Worldwide Pensions. Before this she was a shareholder and director of a consultancy firm specialising in Financial Life Planning for private individuals. Chantal has been approved by the Dutch Central Bank (AFM) and the Malta Financial Services Authority (MFSA).

Adrian Camilleri

Dr. Adrian Camilleri is Director of Worldwide Pensions Malta and responsible for the legal affairs of the company. He graduated in 2004 as a lawyer at the University of Malta and has been authorised to act as a lawyer since April 2005. Adrian has a special interest in European Law and is a specialised process lawyer. Adrian is a member of the Chamber of Advocates and is Chief Prosecutor of the Malta Football Association since 2009. In addition, he has been the Chairman of the Legal Commission of the Malta Olympic Committee since 2017 and a Social Security Umpire since 2013.

Manfred Galdes

As Worldwide Pensions Compliance and AML-Director, Manfred is responsible for ensuring that we comply with both EU and local laws and regulations. He is one of Malta's leading compliance specialists and former CEO of the Malta Financial Intelligence Analysis Unit. Before that, he worked for the Legal and International Affairs Unit of the Malta Financial Services Authority. Manfred has also been involved in the drafting of various financial services laws and responsible for coordinating Malta's first AML/CFT National Risk Assessment. After graduating from the University of Malta in 2001, he became LL.M. In 2006 he achieved a degree in EU Commercial Law awarded to the University of Leicester, UK.

Karl Mallia

Karl Mallia is a non-executive director of the company and specialises in accountancy (CPA). Karl is a member of the Malta Institute of Accountants and is a member of the Malta Institute of Taxation. Before joining the board of Worldwide Pensions, he was Chief Financial Officer of Mediterranean Investments Holding PLC, a joint venture between the Corinthia Group of Malta and the National Real Estate Company of Kuwait. In the past Karl worked for KPMG Malta and held the position as financial controller for a number of Maltese companies. He is a Certified Public Accountant and graduated as a Master in Financial Services and a Bachelor in Commerce from the University of Malta.

Katie Dawtry

Katie is responsible for running the day-to-day business at Worldwide Pensions, Malta. She has extensive knowledge and experience in the field of sales and marketing, pensions and administration. Katie moved from the UK to Malta in 2010. Before joining the Worldwide Pensions team, she worked at a reputable international financial consultancy firm and led various teams. Through her experience in pensions and administration she has the right knowledge and expertise to inform you about our unique pension solutions. Katie has been approved by the Malta Financial Services Authority (MFSA) .