• Defining scope and project managing interest only mortgage contact campaign from end to end for two channels, AIBGB and First Trust Bank.• Defining and embedding mortgage retention plan to reduce early redemption rates of mortgages • Managing quarterly rates changes for First Trust Bank and AIBGB ensuring efficient implementation of new rates and clear effective internal and external communication of the new rates• Business Lead on multiple UK mortgage projects, including enhancements to existing products, updating tariff brochures and terms and conditions documents and also stakeholder engagement • Managing all historic mortgage misselling complaints which involved liaising with multiple departments in order to ensure complaints are handled efficiently• Liaising between multiple departments both in Dublin and in the Belfast site to ensure clear communication

• Managed regulatory restitution task to extremely tight deadlines and with limited resources including data analysis, stakeholder engagement, QA and follow up customer (internal and external) queries. • Managed the internal communications roll-out of the personal loan pricing policy. • Design and production of monthly competitor analysis and market report issued the head of the function• Simplified monthly review of complaints for systemic issues to ensure a quicker more efficient process• Managing, coordinating and drafting responses to queries to the Business and Personal mailbox with a twenty four hour turnaround where possible.• Oversight of monthly watchlists • Review and updating of internal rates on intranet. • Ensuring correct personal credit price points are available for the National Consumer Association website on a monthly basis. • Managing operational risk monthly return for lending products team.

• Successfully delivered PCAR return for credit cards section whilst embedding code and framework which is still in use• Continually refining monthly MI report so as to enhance clarity and impact • Preparation of monthly MI pack• Resolution of ad hoc queries to area within tight deadlines• Production of monthly MI pack for senior management

Management of vulnerable SME business accounts and assessment of the level of associated risk. • Analysed the credit risk of accounts by reviewing transactions and repayments.• Assessed the repayment capacity of account turnover and financial commitments. • Forged productive, positive relationships with clients to maximise payment returns. • Engaged with clients to determine root causes of account issues and agreement of a remedial ‘back on track’ strategy.• Ensured full compliance with regulatory demands.• Liaised with branch lending managers and completed account evaluations fortnightly.

Successfully secured a place on the AIB Graduate Programme after a highly competitive and vigorous testing and interview process. Based in a Commercial Banking team of 18 staff and reported to the Head of Credit Support.• Managed a portfolio of clients based in North East Leinster and Dublin areas.• Met with and developed constructive relationships with Managing Directors of businesses with exposure of up to €1 million. • Devised strategies with clients for restructuring and reduction of debts. • Strategically reviewed client portfolio presenting results to management on a quarterly basis.• Conducted meetings with Retail Lending Managers to agree plans for account management.