Irish Banking Culture Board



Mr. Justice John Hedigan

Chairman of the Irish Banking Culture Board (IBCB)

John Hedigan was born in Dublin. He attended Belvedere College, Trinity College Dublin and Kings Inns. In Trinity, with other students, he re-founded the college branch of Amnesty International. He sat on the National Executive of Amnesty chaired then by Sean McBride SC and in company with Mary Robinson. In the later 1970s he was National Coordinator of Amnesty’s Campaign against Torture.

John was called to the bar in 1976 and had a wide ranging practice as a barrister. He became a Senior Counsel in 1990. In 1998 he was elected a Judge of the European Court of Human Rights. He served on that court until 2007 when he was appointed a Judge of The High Court and returned to Ireland. On the High Court he worked in Judicial Review, presided over the jury list and finally worked on the Commercial Court. In 2016 he was appointed to The Court of Appeal where he sat on both the civil and the criminal side.

He retired from the bench in October 2018 having reached the compulsory retirement age. Mr. Justice Hedigan is an honorary bencher of Kings Inns, is Judge in residence in DCU and is a member of the Judicial Council of the International Association of Law Schools. He is Chair of the National Archives Advisory Council. He was appointed as Chair of The Irish Banking Culture Board in January 2019.

Marion Kelly

Acting CEO of Irish Banking Culture Board (IBCB)

Marion initially joined the IBCB in August 2018 on secondment from Bank of Ireland (BOI) as Programme Director leading the establishment of the IBCB.

Marion joined BOI in 2006 and has held a range of senior leadership roles across BOI in Regulatory Compliance, Operational Risk, Internal Audit and Recovery & Resolution planning.
Prior to joining BOI, Marion worked with PwC Dublin for 7 years within the FS Regulatory advisory practice, and prior to that spent 4 years working in Brussels with both the European Savings Banks Group and the European Commission.

Marion qualified as a Certified Bank Director in 2018, she holds a Masters in European Economic and Public Affairs and a BA Economics and German both from UCD.

Marion commenced the Institute of Banking’s Professional Diploma in Leading Cultural Change & Ethical Behaviours in Financial Services in February 2019.

Angela Black

Chief Executive, Citizens Information Board

Angela Black has been Chief Executive of Citizens Information Board (CIB) since 2014. CIB provides information, money advice and advocacy through , and funding a network of over 200 locations in Ireland. In 2018, CIB restructured 93 of its funded services into a regional model of 8 MABS and 8 CIS companies. Co-ordinating MABS’ Dedicated Mortgage Arrears and Abhaile schemes, CIB also supports National Traveller MABS and 66 free legal advice (FLAC) clinics in Citizens Information Centres; National Advocacy Service for People with Disabilities, and Sign Language Interpreting Service. Special projects include the Personal Microcredit “It Makes Sense” Credit Union loan scheme.

Qualified in banking risk, Angela has several years’ experience in consumer financial services in the Department of Finance and European Commission. She represented Ireland’s EU negotiations on e-money, consumer credit, insurance and financial markets legal instruments. She led European Commission work in Brussels from 2007-2011 on distance marketing, bank fees, switching, quality of investment advice and credit/APRC issues. She chaired European Parliament negotiations, reaching agreement on the Mortgage Credit Directive during Ireland’s 2013 EU Presidency.


Professor Blanaid Clarke

BCL, MBS (Banking & Finance), BL, PhD, FTCD

Blanaid holds the McCann FitzGerald Chair in Corporate Law at Trinity College Dublin. Her research interests include corporate law, corporate governance, financial services law and takeover law and she has published extensively in these areas.

Blanaid is the Irish representative on the OECD Corporate Governance Committee. She is a member of the European Securities and Markets Authority Takeover Bids Network and the European Securities and Markets Authority Securities and Markets Stakeholder Group. She also serves as a Vice President of the Academic Board of the European Banking Institute in Frankfurt.

Blanaid works with the Irish Takeover Panel and was a member of the Irish Central Bank Commission (2010-2018). Previously, she was also a member of the European Commission’s Informal Expert Group on Company Law (2014-2018) and Reflection Group on the Future of EU Company Law (2010-2011).


Lavinia Morris

Chief Operations Officer, KBC Bank Ireland

 Lavinia was appointed Chief Operations Officer at KBC Bank Ireland in September 2019. Prior to this, Lavinia acted as Senior Vice President of Information and Technology at SMBC Aviation Capital, one of the world’s largest aircraft leasing companies. Before joining SMBC in 2014, Lavinia held various senior Technology and Operations positions in Friends First Group, Fujitsu Consulting and AIB.

Lavinia is actively involved in the technology industry in Ireland, serving as a member for the Technology Ireland ICT SkillNet Innovation Forum Expert Group, Committee Member of the NSAI Blockchain International Standards Committee as well as Blockchain Ireland, and former Chair of the Cloud Computing Working Group of the Irish Internet Association. 


Jane Howard

CEO, Ulster Bank

Jane Howard has worked in the financial services industry for more than 37 years. She has operated at Executive level for the last 14 years in risk management, and leading large scale operations and customer facing businesses. Jane’s previous role, to August 2018, was that of Managing Director, Personal Banking for RBS, one of the largest UK Banks. Under Jane’s four year leadership, Personal Banking implemented a Financial Health check for customers, reshaped the network so that customers have more physical and digital ways to bank than ever before and launched a professional development programme to enable customer-facing colleagues achieve an externally recognised Professional Banking Certificate.

In August 2018, Jane was appointed to CEO, Ulster Bank DAC commencing in role early September 2018. Jane is a certified Bank Director from the Institute of Banking (Dublin) and also holds a degree in Banking and a compliance diploma.

Jane is a fellow of the Chartered Banker Institute in Scotland.


Padraic Kissane

Padraic Kissane Financial Services

Padraic has over 30 years in the Financial Services Industry with extensive knowledge and experience in all areas of Financial Services.

A member of ‘Brokers Ireland’, Padraic Kissane Financial Services is regulated by the Central Bank of Ireland.

Padraic is one of the foremost experts on Tracker Matters in Ireland and has been heavily involved in what has become known as ‘The Tracker Debacle’. He was the first to recognise the enormity of the problem through his investigation work on behalf of customers. Padraic has worked tirelessly to get the matter properly investigated.

Padraic has appeared on many media forums as well as having made presentations to the Oireachtas Finance Committee on a number of occasions in relation to the Tracker Investigation.


Ger Mitchell

Group HR Director, Permanent TSB

Ger joined the Branch Banking division of the Dublin Savings Bank in 1993 and in the following years held a variety of roles across Branch Banking, Intermediary development, Regional General Management.

Ger was appointed to the Permanent TSB Group Executive Committee (ExCo) in late 2012 as Group Lending & Insurance Director. In 2015, following the successful IPO of Permanent TSB, he was selected by the Group Board to lead the Mortgage Product Review Group. In 2017, Ger was appointed Chief Human Resources Officer and has since led the restructure of the HR function, the refresh of the HR Strategy and the establishment of the Bank wide culture programme.

Ger chairs a number of group committees; Corporate Social Responsibility; Security Crisis Management and the Organisational Culture Programme.

Ger is a Certified Bank Director (IOB/UCD 2016) and, along with a number of other General Management & Finance qualifications, he completed a Business Masters (MSC) through UCC/IMI (2014) specialising in Strategic HRM and Business Strategy & Innovation.


Robert Mulhall

Managing Director, AIB Consumer Banking

Robert’s career in AIB has spanned almost 25 years, covering a variety of roles up to senior executive management level in areas including Retail and Commercial Banking, Digital Channels Innovation, Retail Banking Distribution, Customer Relationship Management, Business Intelligence, Strategic Marketing and Development, Sales Management and Operations. In addition to Robert’s current role, he is also the bank-wide sponsor for Diversity and Inclusion, as well as Culture, within AIB.

Coupled with his AIB Career, Robert also held the position of Managing Director, Distribution & Marketing Consulting and Financial Services with Accenture in North America from 2013 to 2015, during which time he brought his industry experience and subject matter expertise to build a growing consulting practice in the fast-moving and innovative areas of Financial Services.

Robert holds a BSc degree in Applied Physics, an MA in Finance and is also QFA and CFA qualified.


Vincent Mulvey

Group Chief Risk Officer, Bank of Ireland Group

Vincent is responsible for Risk and Compliance oversight including Conduct and Regulatory matters at Bank of Ireland. He believes that good customer outcomes and effective risk management are intrinsically linked through culture. At Bank of Ireland, he is Chair of the Group Risk Policy Committee and the Group Culture Steering Committee, which guides the Bank’s culture transformation program. He is also a member of the Group Customer Board.

Vincent has over 30 years banking experience across Branch banking, Business and Corporate lending and Risk management. He previously served as Head of Group Credit before joining the Group Executive Committee in 2009 as Chief Credit and Market Risk Officer. He is a Fellow of the Association of Chartered Certified Accountants and the Institute of Banking, a graduate of NUI Galway, and is a member of the editorial board for the Risk Management Association (RMA) Journal.


Gareth Murphy

Head of Industrial Relations and Campaigns, Financial Services Union

Gareth is the Head of Industrial Relations and Campaigns of the Financial Services Union, the trade union which represents workers across the banking and finance sector. He has worked for the Union for over 10 years and is committed to providing a professional voice for bank and finance staff with employers, the Government and more generally.

Gareth is current undertaking a PhD in Queens University in performance management, technology and trade union responses and is also involved in his local GAA club.


Philip O’Leary

Managing Partner, Head of Commercial Department, FitzGerald Legal & Advisory

Philip is a member of the Law Society of Ireland with experience specialising in Banking and Security and commercial lending and debt advisory.

Philip was appointed by the Minister for Justice as Chairman of the Irish Legal Aid Board for five-year term in 2016. He has a long standing and consistent commitment to access to Justice issues and fairness from the Consumer perspective.

Philip’s qualifications include BCL (Hons) University College Cork (UCC) and LLB (Hons) University College Cork (UCC).


Sue O’Neill

Council Member of the Small Firms Association (SFA) and Managing Director of Shellcove (AMC)

Sue O’Neill is Chair of the Small Firms Association and Managing Director of Shellcove, an Association Management Company (AMC), which she founded in 2004. The company offers bespoke management services that help organisations to grow and remain relevant. Shellcove acts as a headquarters or provides individual support solutions which deliver scalability of staff or services.

Sue is also a board member of Microfinance Ireland. She holds an MBA from Dublin City University, a Diploma in both Digital Marketing and Print Management and is a graduate of the IMI Business Development Programme.


Martin Stapleton

Chair of the Farm Business Committee, Irish Farmer’s Association (IFA)

Martin Stapleton is a Dairy farmer based in Limerick. Initially involved with Macra from 1997-2001, he joined IFA in 2002. In 2016, he was elected Chair of IFA’s National Farm Business committee, a position which he still holds until the end of 2019. Martin also sits on both the Advisory Board of the Property Registration Authority and the Advisory Group on Small Business.

The Farm Business committee’s roles include developing IFA’s annual pre-budget submission; developing taxation policy proposals for farm businesses; as well as identifying measures necessary to support farm investment. Access to credit and the cost of credit are also relevant issues that are dealt with by liaising with the banking sector on behalf of the Association. During his term as Chair, Martin has further developed the IFA’s Debt Support Team, a service for members who have Non-Performing Loans or who are encountering serious credit difficulties.


Dr. Martin McAleese

Patron of the Irish Banking Culture Board

Dr Martin McAleese holds an honours B.Sc. degree in physics from the Queen’s University of Belfast and B.A., M.A. and B.Dent.Sc. degrees from Trinity College Dublin. He worked for many years as financial controller and company secretary with a number of Aer Lingus subsidiary companies before qualifying as a dentist and becoming a partner in a large dental practice in Northern Ireland. He is a former independent member of Seanad Eireann.

Martin is currently Chancellor and Chair of the Governing Authority of Dublin City University, Chair of the PwC Ireland Public Interest Body, a trustee of the Edwards MacLiammoir Gate Theatre Trust and joint Patron of the 30% Club with his wife Professor Mary McAleese, former President of Ireland.