• Second Line responsibility for Conduct Risk in PTSB providing advice, guidance, and oversight on all conduct related issues as well as communication and reporting of Conduct Risk to senior management fora.• Leadership role in helping to improve First Line ownership to ensure the bank prioritises achieving fair customer outcomes, key successes included:- Established/improved Conduct Risk governance processes including Conduct Risk Framework, Conduct Risk Appetite Statement metrics, Conduct Risk Register, Spotlight papers on Conduct Risk issues and Risk Assessments.- Established and progressed new initiatives to further embed bank-wide Conduct Risk management with particular focus on a bottom-up approach including establishing and managing a Conduct Forum, Conduct Champions, FLOD Conduct Risk engagement, and Conduct Risk training including annual mandatory E-Learning for all PTSB staff.• Member of/attended key governance fora that help to ensure fair customer outcomes including Customer Committee, Complaints Committee and Customer Experience Committee

• Head of Credit Review in PTSB, managed team of 9.• Responsibility for monitoring adherence to credit policy thus helping to manage credit risk in PTSB.• Introduced a new operating model, challenged the “way things are done” culture, introduced higher working standards, resulted in significant efficiency improvements – resulted in personal recognition from CEO.

• Key member of a new Second Line Conduct Risk Team, successfully raised the profile of Conduct Risk and the importance of a customer focused culture, quickly established key relationships and managed multiple divergent stakeholders.• Managed numerous work streams including build of Conduct Risk Appetite Statement metrics, monthly CRO reporting of Conduct Risk, as well as review and challenge of existing processes resulting in improved outcomes for Bank customers.

• Established a Conduct Risk structure including framework, suite of Conduct Risk metrics, thematic Conduct Risk reviews and implementation of a monthly Conduct Risk Committee chaired by the Unit Head, managed challenging relationships and influenced multiple divergent stakeholders to support this process.• Member of various Credit Committees adjudicating on cases including AIB Debt Restructuring Committee, Commercial Banking New Business Committee, Mortgage Appeals Board and SME Appeals Board.

• Managed team responsible for portfolio €600m to €1bn across multiple sectors including Retail, Property and Hotels. Built strong customer relationships fostering a partnership approach to help develop and grow business.

• Credit Manager for the AIB Private Banking loan book, improved credit risk standards, reporting and training.• Exercised highest lending discretion for this level.

• Managed team assessing SME credits across multiple sectors from 76 AIB outlets.• Exercised highest lending discretion for this level.