Ciara Harvey
Newcastle,County Wicklow
Summary
An accomplished compliance professional with extensive experience gained across a wide range of risk disciplines and markets. Skilled in managing numerous stakeholders to successfully complete complex and critical regulatory deliverables. Adept at balancing and prioritising multiple tasks/responsibilities simultaneously while working to tight deadlines. Self-motivated, with a drive to excel and develop others through effective coaching methods. An individual who can communicate effectively with individuals from all levels and backgrounds within an organisation, building relationships at all levels
Overview
27
27
years of professional experience
Work history
Head of Regulatory Services - Europe
Elavon Financial Services DAC
Dublin
09.2019 - Current
- Responsibility for operation of Regulatory Services Program across business operations of U.S Bank in Europe, including tailoring U.S. Bank program to fulfil European specific regulatory requirements and processes.
- Established strong relationships with regulators across European footprint, but most notably with Banking Supervision Team in CBI.
- Manage team of Regulatory Exam Managers with responsibility for end to end regulatory exam management, from collation of initial information requests through to closure of any regulatory issues (RMP's)
- Central point of contact for all regulatory correspondence, ensuring responses are clear, transparent, delivered on time and have necessary stakeholder approval.
- Communicate regulatory engagements and status of RMP's on timely basis to Senior Management, Executive Committees and Board.
Chief Conduct Risk Officer
Elavon Financial Services DAC
Dublin
02.2016 - 09.2019
- Oversee all Conduct Risk activities and initiatives, with responsibility for administering and updating Conduct Risk Program policy.
- Ensure Board, Executive Risk Committee, Conduct Risk Committee and Executive Management are apprised of Conduct Risk, and risk management activities and initiatives.
- Preparation and coordination of Conduct Risk MI reporting to Board and Executive Risk Committees.
- Work with business lines to promote clear and consistent understanding of Conduct Risk.
- Assist business lines in identifying and documenting key controls to mitigate Conduct Risk arising from processes, people and products.
- Interpret legislative, determine applicability and communicate impact of regulatory requirements to business lines.
Compliance Manager
AIB Bank
Dublin
02.2012 - 02.2016
- Independent member of Mortgage Appeals Board, adjudicating on appeals under Code of Conduct for Mortgage Appeals.
- Compliance lead for interpretation and timely implementation of numerous legislative change projects including Personal Insolvency legislation, Code of Conduct for Business lending to SME's, Central Credit Register, and revisions to Consumer Protection Code.
- Interpret relevant upstream legislation and communicate impact of new regulatory requirements to business lines.
- Embed Conduct Risk strategy to ensure best interests of customers were central to decision making processes.
- Consider new product propositions to ensure Bank delivered quality credit products and services.
- Review and challenge processes and procedures to ensure adequate controls to comply with regulatory requirements.
Credit Portfolio Manager
AIB Bank
Dublin
01.2010 - 02.2012
- Manage portfolio of impaired and criticised borrowers with value between €10 - €30mloans.
- Prepare credit applications to restructure credit facilities and presentation of same to Divisional and Group Credit Committees.
- Develop and maintain customer relationships and providing support through challenging financial times.
Compliance Relationship Manager
AIB Bank
Dublin
07.2007 - 01.2010
- Compliance lead on Credit work-stream responsible for interpretation and implementation of Consumer Protection Code (CPC).
- Act as source of expertise on relevant regulatory requirements and supporting delivery of business line initiatives.
Assistant Lending Manager
AIB Bank
Dublin
09.2003 - 07.2007
- Analyse, assess and decision credit applications within personal lending discretion.
- Structure credit proposals and provide recommendations for presentation to Senior Management.
- Manage team of Lending Officers and Graduates to assess credit applications and monitor and control account excesses.
Bank Official
AIB Bank
Dublin
07.1998 - 09.2003
- Branch banking responsibilities including personal and business banking relationship manager roles, accounts controller, customer service, foreign exchange and cashier duties.
Education
Professional Certificate in Leadership Skills for Compliance Professionals
Griffith College
2021
Professional Certificate in Responsible and Sustainable Finance
Institute of Bankers
2021
Professional Certificate in Conduct Risk, Culture and Op Risk Management
Institute of Bankers
2018
Professional Diploma in SME Credit
Institute of Bankers
2015
Professional Diploma in Compliance
Institute of Bankers
2013
Qualified Financial Advisor (QFA)
Institute of Bankers
2009
Diploma in Business Studies
Waterford Institute of Technology
Skills
- Technically and regulatory proficient in Payments & Retail Banking
- Communication
- Presentation
- Business acumen
- Relationship building
- Stakeholder Management
- Decision Making
- Coaching and Mentoring
Timeline
Head of Regulatory Services - Europe
Elavon Financial Services DAC
09.2019 - Current
Chief Conduct Risk Officer
Elavon Financial Services DAC
02.2016 - 09.2019
Compliance Manager
AIB Bank
02.2012 - 02.2016
Credit Portfolio Manager
AIB Bank
01.2010 - 02.2012
Compliance Relationship Manager
AIB Bank
07.2007 - 01.2010
Assistant Lending Manager
AIB Bank
09.2003 - 07.2007
Bank Official
AIB Bank
07.1998 - 09.2003
Professional Certificate in Leadership Skills for Compliance Professionals
Griffith College
Professional Certificate in Responsible and Sustainable Finance
Institute of Bankers
Professional Certificate in Conduct Risk, Culture and Op Risk Management
Institute of Bankers
Professional Diploma in SME Credit
Institute of Bankers
Professional Diploma in Compliance
Institute of Bankers
Qualified Financial Advisor (QFA)
Institute of Bankers
Diploma in Business Studies
Waterford Institute of Technology