Robbie OBeirne

• Program Establishment & Leadership: Spearheaded the formation of the Holistic Onboarding & Integration (HO&I) team across EMEA, APAC, and North America, and led its strategic integration with underwriting functions, forming the Holistic Onboarding & Underwriting (HO&U) team in 2023. This transformation strengthened cross-functional collaboration and operational efficiency.
• Strategic Project Delivery: Played a key role in shaping and launching a new case management program that streamlined blended compliance and credit risk reviews, enhancing both scalability and consistency across regions.
• Compliance Operations & Risk Mitigation: Acted as a core representative for compliance operations, working closely with Legal and Business Unit stakeholders on the DE Gambling Centre of Excellence. This collaboration led to the implementation of an enhanced customer data capture process, resulting in a significant reduction in portfolio losses.
• Location Strategy & Knowledge Transfer: Supported the successful relocation of compliance diligence work from Ireland to India and South America, overseeing training, documentation, and process transition to ensure seamless onboarding and continued service excellence.
• Multistakeholder Engagement: Served as the voice of the HO&U team in key forums, including sales engagement sessions and the global GFCCP all-hands meeting, showcasing the team’s achievements and reinforcing strategic alignment across the business.
• Blockchain & Digital Currency Initiatives: Founded and led an approval forum for onboarding crypto partners, directly contributing to the strategic success of the PYUSD – Evolution of Money initiative. This forum promotes thoughtful inclusion and risk-conscious growth in the blockchain ecosystem.

• Team Leadership & Development: Led a high-performing team of investigators specializing in Enhanced Due Diligence (EDD), focusing on the detection and mitigation of money laundering and terrorist financing risks. Fostered a culture of excellence, inclusion, and integrity through daily engagement and long-term vision.
• Performance & Service Level Management: Consistently achieved and exceeded Service Level Agreements (SLAs) across multiple workflows, ensuring timely, high-quality case reviews while optimizing operational efficiency.
• Coaching & Mentorship: Delivered ongoing coaching and mentoring, developing investigators' analytical capabilities and supporting professional growth through personalized feedback and skill-building.
• Cross-Functional Workflow Integration: Orchestrated the seamless integration of EDD and High Margin Vertical teams, enabling streamlined case handling and alignment of service standards.
• Migration Oversight: Directed the successful transition of PEP Level 3 reviews from the Sanctions Team to EDD, ensuring full knowledge transfer, process clarity, and continuity of service.
• Inventory & Case Management Enhancement: Partnered with the Reporting Team to develop a comprehensive, real-time inventory of EDD cases, improving transparency and enabling data-driven workflow management.
• Executive-Level Investigation & Reporting: Led a high-impact investigation into the gambling portfolio, presenting findings to the VP of Global Financial Crimes. The insights led to decisive action and the successful implementation of portfolio safeguards.

• High-Risk Merchant Investigations: Conducted in-depth investigations on high-risk merchants, with a focus on complex sectors such as gambling and forex, ensuring alignment with AML standards and regulatory expectations.
• Strategic Risk Recommendations: Provided actionable risk-based recommendations to AML Officers during onboarding assessments, directly influencing strategic decisions on high-risk customer approvals.
• Primary Escalation Point: Acted as the key liaison for Account Managers and Global Financial Crimes (GFC) escalations, ensuring seamless communication and timely resolution of high-priority issues.
• Ongoing Portfolio Monitoring: Maintained oversight of existing high-risk merchant portfolios, implementing proactive compliance monitoring to identify and mitigate emerging risks.
• Policy & SOP Development: Played a pivotal role in drafting and enhancing policies and standard operating procedures (SOPs) for high-risk verticals, driving consistency and operational clarity.
• Process Transition Leadership: Successfully transitioned onboarding and monitoring responsibilities from the Compliance Policy team to the High Margin Vertical (HMV) team, ensuring minimal disruption and knowledge continuity.
• Tracking & Analytics Innovation: Designed and implemented tracking solutions for pre-approval workflows, improving visibility, accountability, and decision-making for compliance teams.
• Operational Excellence & Rhythm: Established a structured operating rhythm for timely case processing, including benchmarks for AML forums and performance metrics to uphold quality standards.

• High-Value Case Assessment: Approved commercial underwriting cases up to $1.5 million, performing in-depth evaluations to ensure sound credit decisions and risk management.
• Loss Process Leadership: Oversaw the Merchant Credit loss process, leading weekly reviews, identifying root causes of portfolio losses, and driving continuous process restructuring to enhance recovery outcomes.
• High-Risk Project Management: Managed complex, high-risk projects with a focus on regulatory compliance, operational resilience, and proactive risk mitigation strategies.
• KPI Excellence in Underwriting: Delivered exceptional results in Commercial Underwriting, approving $27 billion in Total Payment Volume in 2016—surpassing the annual target of $18 billion by 50%.
• Performance Optimization: Increased Periodic Review output by 150% within one year, through workflow optimization, enhanced tooling, and team development.
• Team Integration for Efficiency: Orchestrated the successful integration of PALM and Commercial Underwriting teams, streamlining operations and fostering a culture of knowledge sharing and cross-functional collaboration.
• Crisis Leadership: Provided operational stability and strategic direction during the Greek Euro Crisis, ensuring business continuity and maintaining customer confidence under pressure.

Assistant Credit Manager, Commercial Credit Unit, AIB Bank, Nov 2007 to September 2014.

Key Responsibilities:

• Led a team of 7 officers and graduate officials, overseeing a performing commercial portfolio of €1m–€10m, with responsibility for credit quality, client relationships, and operational oversight.
• Managed staff development, including training, performance reviews, workflow coordination, annual leave, and handling of grievance and disciplinary matters, promoting a culture of integrity and accountability.
• Held a personal lending discretion of €3 million, reviewing and approving complex lending proposals submitted to the Area Credit Committee.
• Oversaw arrears management and loan restructures, ensuring security realization and risk mitigation for underperforming assets.

Lending Officer, Mortgage Intermediary Team – AIB Mortgage Bank
June 2006 – Nov 2007

• Evaluated and approved home mortgage applications, with a personal sanctioning authority of €0.6 million.
• Acted as team representative at Operational Risk Management (ORM) committee meetings, supporting broader risk governance and procedural adherence.

Graduate Bank Official, Asset Finance Lending Team – AIB Finance & Leasing
June 2003 – June 2006

• Managed a portfolio of 300+ customers in Dublin, conducting annual reviews, risk assessments, and credit evaluations.
• Held an asset finance lending discretion of €0.3 million, authorizing structured finance for commercial clients.
• Took ownership of the largest exposure case within AIB Finance & Leasing, demonstrating sound judgment in high-stakes credit analysis and portfolio management.