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Executive Education 2018/2019 www.iob.ie/executiveeducation
The Institute
of Banking
The Institute of Banking is the largest Professional development of our members through education is at the
heart of what we do. We are a not-for-profit organisation. The Institute
professional institute in Ireland. We are a provides university-level banking education programmes and related
services. These enable our members to achieve and sustain their
community over 34,000 members who work professional qualifications and continuing professional development –
in banking and in both international and essential in meeting customer and regulatory expectations. More than
10,500 individuals are currently studying with us.
local financial services in the Republic of
Ireland and Northern Ireland. Excellence in education
As a recognised college of University College Dublin (UCD)
and the standout industry educator, we offer qualifications of the
highest standard.
We currently have more than 40 programmes ranging from
Professional Certificates (level 7 on the NFQ) to Masters
Degrees (level 9).
The Institute also provides specialist education programmes
(including the Certified Bank Director Programme), continuing
professional development training and customised training
programmes through the executive education department,
directed by Dr. Margaret Cullen.
We design our programmes to be practical and relevant, but
grounded in academic rigour. We focus on providing innovative
and flexible education options to ensure that we meet your changing
needs. All our programmes are part-time.
The Certified Bank Director Programme is part of a Framework
to educate the industry from entry level to Senior Executive.
A Few Words from Dr. Margaret Cullen, Director of Executive Education, The Institute of Banking. Through the Corporate Governance Requirements for Credit Institutions 2015 and the Fitness & Probity Standards 2011, the Central Bank of Ireland introduced new rules to ensure that robust governance arrangements and appropriate oversight and standards are in place to avoid or minimise the risk of a future crisis. The banking sector has gone through a fundamental and unprecedented restructuring, with banks having to redefine and re-engineer their banking models. Against the background of more stringent capital and liquidity requirements in Basel III and the emergence of Fintech, Boards of Directors are tasked with developing strategies that provide sustainable profitable growth. Understanding the risk profile and risk appetite in the context of overall strategy and the dynamic relationship between risk appetite, profitability and stakeholder value maximisation are key features of the Central Bank’s Corporate Governance Requirements for Credit Institutions 2015. Board directors therefore should be highly aware of the key issues and be in a position to offer well- grounded views and provide challenge as part of their board responsibilities and participation. The Certified Bank Director programme is unique in the Irish market, designed specifically for Bank Directors, (executive and non-executive directors). It is an intensive 10 day programme completed in two separate blocks. The programme provides participants with a comprehensive understanding of the unique governance issues associated with banks arising from the inherent complexity of banking business models and their risk profile. It also provides an understanding of the duties and responsibilities of directors and the behaviours required of them and well-functioning boards. Inadequate credit assessment was identified as a key contributor to the banking crisis and governance issues in relation to risk will receive particular attention during the programme. While strongly rooted in academic research, theory and regulation, the programme is designed to provide practical knowledge and application. We look forward to welcoming you on the programme. Dr. Margaret Cullen Director of Executive Education The Institute of Banking The Institute of Banking | Certified Bank Director Introduction 01
About the An excellent programme designed by the
Institute of Banking. I found the structured
Certified Bank delivery and content of lectures, workshops and
assignments were very comprehensive and afforded
Director Programme the opportunity to explore the unique governance
issues in banks arising from the complexity of their
business model, risk profile and regulation. More
critically it also encouraged a deep understanding of
the development and monitoring of strategy plans to
enable profitable, sustainable growth aligned with
fair outcomes for customers. Real diversity in the
cohort of participants from across financial services
also contributed strongly to the learning within the
classroom and the overall value of the programme.”
Kate O’Donnell
Director Customer Proposition,
Distribution Channels Bank of Ireland
Programme delivery and curriculum Who should undertake this programme?
The Certified Bank Director programme is delivered two times per The Certified Bank Director programme is targeted at executive and
year in Dublin. The programme comprises 9 modules delivered over non-executive directors of the main and subsidiary boards of banks.
10 days across two blocks of five days’ duration each. A panel of It will be highly beneficial, not only to individuals new to the roles and
subject area experts drawn from academia and industry lead each responsibilities of being a bank director, but also to experienced bank
of the individual modules. The emphasis in the programme is on the directors operating in a significantly changed regulatory landscape.
application of key concepts to enhance the skills of participants and This programme is also targeted at senior managers aspiring to be
to create a learning forum where challenges can be explored and bank executive directors and identified as potential future executive
wisdom and insights dissected and shared. directors within their organisation.
On completion of this programme candidates will: Assessment
An assessment is attached to each module to ensure that the learning
- Understand the essence of a bank, the banking system, the lessons outcomes associated with the module have been achieved.
from the banking crisis, and the likely future development of
banking post-crisis The assessment will take the form of a learning journal recorded by
- Appreciate the implications of recent regulatory changes and the programme participants during and on completion of each block. A
legal, regulatory and governance framework relevant to board learning journal is a reflective log that records a participant’s learning
directors; experience of a particular topic/module. It allows participants to
- Comprehend the unique risk profile of banking models, including reflect on how their study and learning has developed during each
the systematic and systemic implications of risk-related policies in module, what they are learning and the relevance or application of this
the context of strategy and the relationship between risk appetite, learning to their own experiences in a work setting. The content of
profitability and stakeholder maximisation; the learning journal will be unique to each participant and will reflect
their experiences during the class and their own interpretation of the
- Appreciate the importance of the internal governance processes
material presented. The learning journal will be evaluated and graded
and the application of best practice;
by the Programme Director to assess the participant’s knowledge,
- Understand the behaviours required from well-functioning boards synthesis, analysis and development.
and the expectations and requirements of individual directors.
Award
On successful completion of this programme, candidates will earn the
professional designation of Certified Bank Director from the Institute
of Banking.
Continuing professional development
Certified Bank Directors have an obligation to develop and maintain the
level of professional competence relevant to their positions. The Institute
of Banking offers Certified Bank Directors a comprehensive CPD
programme to help them meet their CPD requirements. The Institute
supports Certified Bank Directors through the ongoing provision of
regulatory and best practice readings and updates, including a monthly
Certified Bank Director Radar.
02 The Institute of Banking | Certified Bank Director About the CBD Programme
Programme Curriculum
BLOCK 1 BLOCK 2
Module 1 Module 6
Bank Governance I - Introduction Liquidity Management
- Theoretical Perspectives on Corporate Governance - Asset and liability management
- Definition of Corporate Governance - ALM governance in banks
- Failures in Governance and the Banking Crisis - Basel III Liquidity Metrics
- Legal responsibilities and duties of the board - Funding sources/classes
- Regulatory framework for credit institutions - Balance sheet structures
- Fund Transfer Pricing
Module 2
Bank Regulation - Stress Testing
- Theory of Regulation Module 7
- Regulatory Responses to the Financial Crises Analysis of Bank Financial Statements
- Regulatory Architecture - Analysing bank financial statements
- Current Regulatory Framework - Classification and measurement rules
- Future of Bank Regulation (fair value vs. amortised cost)
- Impairments of financial assets
Module 3
- Measuring capital
Bank Capital (Including Stress Testing)
- Introduction to retail bank disclosures
- What is capital?
(IFRS 7 - interest rate, credit, liquidity, FX and market risk)
- Introduction to Basel II
- Key requirements Module 8
- Basel III/CRD IV Bank Strategy
- The strategic landscape
Module 4 - Key strategic challenges to the banking industry
Risk
- Developing best practice strategy for the future of banking
- Interest rate risk in the banking book
- Capital allocation and dynamic balance sheet management
- Market risk
- Liquidity risk Module 9
- Operational risk Bank Governance II
- Enterprise risk management - Boards’ role in practice
- Conduct risk - Board process
- Internal Governance Frameworks
Module 5 - Ethics and the board
Credit (Risk and Philosophy)
- Board effectiveness: behavioural aspects of boards
- Appetite and policy
- Executive remuneration and incentives
- Underwriting
- Credit review and oversight
- Credit grading of loans and portfolios
- Models - use and effectiveness
- Credit portfolio analysis
- Credit losses - provisioning, process and recovery
- Credit pricing and return on capital
- Different types of lending
- Derivatives and off balance sheet items
The Institute of Banking | Certified Bank Director Programme Curriculum 03
Programme Schedule 2018/2019 BLOCK 1 (5 days) Cohort 15 Cohort 16 Cohort 18 Module 1 (1/2 day) Bank Governance I 8 October 2018 4 February 2019 7 October 2019 Module 2 (1/2 day) Bank Regulation 8 October 2018 4 February 2019 7 October 2019 Module 3 (1 day) Bank Capital (Including Stress 9 October 2018 5 February 2019 8 October 2019 Testing) Module 4 (2 days) Risk (I) Operational Risk and ERM 10 October 2018 6 February 2019 9 October 2019 Risk (II) Market, Liquidity, IRRBB 11 October 2018 7 February 2019 10 October 2019 Risk (III) Conduct Risk 11 October 2018 7 February 2019 10 October 2019 Module 5 (1 day) Credit (Risk and Philosophy) 12 October 2018 8 February 2019 11 October 2019 BLOCK 2 (5 days) Module 6 (1 day) Liquidity Management 3 December 2018 8 April 2019 2 December 2019 Module 7 (1 day) Analysis of Bank Accounting 4 December 2018 9 April 2019 3 December 2019 Statements Module 8 (1 day) Bank Strategy 5 December 2018 10 April 2019 4 December 2019 Module 9 (2 days) Bank Governance II 6 & 7 December 2018 11 & 12 April 2019 5 & 6 December 2019 Application Deadline 30 June 2018 30 November 2018 29th July 2019 *Cohort 17 will be delivered in the UK. For more information please see relevant programme brochure on our website. 04 The Institute of Banking | Certified Bank Director Programme Schedule 2018/2019
Having spent over eight years as an Executive Director of Citibank Europe
plc, I was very attracted to the Certified Bank Director Programme as a means
of benchmarking my understanding of banking business models and governance
against a formally organised professional programme.
The benefits were tremendous, not least my ability to formally review all pertinent
industry and regulatory material again as well as to reflect on and debate strategic
issues. It also provided a focused opportunity to thoroughly reflect on the material
and draw deep learning experiences from that exercise as well as engaging
interactively with a network of very senior bank directors on important industry
topics - past, current and future. There is also a valuable continuing professional
development component to enable those who undertake the programme to keep up to
date with governance related issues.
The standards of the modules delivered through an expert group of industry and
academic lecturers were enhanced further by the deep insights gleaned from the
debates.
This programme is a must for those involved with bank boards and it will enhance
professional standards and knowledge in the sector at board level.”
Brian Hayes
Former Managing Director Citibank Europe plc and Independent Non-Executive Director
Programme For more information contact
Venue
The Gibson Hotel
Point Village
Dublin
Programme
Director
Dr Kate Cullen is a behavioural researcher
who lectures extensively on topics relating Dr. Kate Cullen MBS, ACMA, PhD Eva Kiss BBS, MSc
to management control, decision-making, Programme Director, Executive Education Admissions and Relationship Manager
and business and board ethics. Kate The Institute of Banking The Institute of Banking
holds a BComm (Banking and Finance), IFSC IFSC
an MBS (Financial Services), and a PhD North Wall Quay North Wall Quay
from University College Dublin and is Dublin 1 Dublin 1
an associate of the Chartered Institute
of Management Accountants. Kate D: +353 (0)86 334 4436 D: +353 (0)1 611 6570
has a strong background in financial F: +353 (0)1 611 6565 T: +353 (0)1 611 6500
services, having previously worked E: kate.cullen@iob.ie F: +353 (0)1 611 6565
in wealth management and financial W: www.iob.ie/cbd E: eva.kiss@iob.ie
services consulting, prior to joining W: www.iob.ie/cbd
University College Dublin, where she Candidates interested in participating on
remains as an associate lecturer. the Certified Bank Director Programme are As the number of places on the programme
advised to speak to the Programme Director is restricted, early applications are
prior to submitting an application. encouraged. An application form is available
from the Admissions and Relationship
Manager.
The Institute of Banking | Certified Bank Director Further Information 05Faculty
Dr Margaret Cullen Mr Kevin McConnell
(Director Of Executive Education) Subject Area: Bank Strategy
Subject Area: Bank Governance
Kevin, a Chartered Financial Analyst, has more than 15 years
Dr. Margaret Cullen is a specialist in the areas of corporate and of experience in the investment industry, specialising in the
investment fund governance. Margaret holds a BA in Economics banking and insurance sectors. For the past five years, he has
from University College Dublin, an MSc in Investment and Treasury been an external strategic advisor to a number of banks and to a
from Dublin City University and a PhD in corporate governance from range of international debt and equity investors in the sector.
University College Dublin. Her doctoral research explored the role and
effectiveness of boards of directors in investment fund governance. He has worked on both the buy and sell side of the capital
markets. Kevin is a senior lecturer on the Masters in Finance
Prior to completing her doctoral research, Margaret worked programme, Trinity College Dublin, he delivers the Institute
for 12 years in the financial services industry. She has held of Banking’s Professional Certificate in Complex Financial
senior positions at ABN AMRO International Financial Services Instruments in International Financial Services and is Programme
Company, the Central Bank, JP Morgan Bank Ireland plc. and Director on its Professional Diploma in Alternatives.
RBC Dexia Investor Services Ireland Limited where she gained
significant experience in the areas of treasury management, He also serves as the examiner for the Certified Financial Planner
investment fund regulation, compliance and risk management. (CFP) accreditation for FPSB Ireland. Kevin is a principal with
K3 Consulting and Gem Strategic, which specialise in executive-
Dr. Cullen is an associate lecturer on the Professional Diploma in level strategic consulting in the financial services arena.
Corporate Governance for the UCD Centre for Corporate Governance
lecturing in the areas of executive remuneration and behavioural
aspects of boards. Margaret is CEO of the Certified Investment Fund Ms Oonagh Carroll
Director Institute, a specialist institute within the Institute of Banking. Subject Area: Capital and Credit
In 2009 she carried out independent research on behalf of the Oonagh Carroll is Director of Regulatory Reporting and Operations
Irish Stock Exchange and the Irish Association of Investment at Bank of Ireland. Prior to joining Bank of Ireland, Oonagh
Managers, on compliance by Irish listed companies with the worked in PwC as a Director in the PwC Banking Team, leading a
Combined Code (now the UK Corporate Governance Code). The specialist team providing credit risk advice and services to banks
recommendations contained in the final report led to the publication and other clients. Oonagh holds a BA in Accounting & Finance
by the Irish Stock Exchange of the Irish Corporate Governance from Dublin City University, an MSc in Risk Management from
Annex as an accompaniment to their Listing Rules. Margaret is University College Dublin and is a Chartered Accountant.
a former director of the Corporate Governance Association of
Ireland and the Qualifications and Quality Authority of Ireland. Prior to joining PwC Oonagh worked with the Ulster Bank Group
She is a non-executive director of The Progressive Building for 13 years. Oonagh was Head of Strategic Credit Analysis within
Society and chairs its personnel and remuneration committee. Credit Risk function with key focus areas such as loss provision
reporting and forecasting, development and provision of credit
management information, validation of credit risk capital, credit capital
forecasting, credit quality assurance and Basel wholesale credit
models. She also worked in Retail Banking ROI and in Lombard
Ireland, in business information and analysis and finance roles.
Oonagh trained as a Chartered Accountant with KPMG and was
an audit manager there. Oonagh delivers the Credit Risk module on
the Institute of Banking’s Executive Masters in Risk Management.
06 The Institute of Banking | Certified Bank Director FacultyProfessor Eamonn Walsh Mr Michael Feeney
Subject Area: Analysing Bank Financial Statements Subject Area: Credit
Eamonn is PwC Professor of Accounting at UCD. He has served Michael’s professional career spans both banking and public
as Dean of the Smurfit School of Business and Chairman of service. Michael joined the Banking Supervision team of the
the Accounting Department. His primary research, teaching and Financial Regulator in January 2009 to lead the Credit team. He
consulting interests are in the areas of financial analysis, equity managed the Credit section of the Financial Measures Project in
valuation and US securities markets. A co-author of three books, 2011. Michael held a number of senior management positions
his research has been published in Accounting Organisations at Ulster Bank, including Head of Credit and Regional General
and Society, the Journal of Business Finance and Accounting, Manager of the Retail Bank in the Republic of Ireland. He has also
and the Journal of Accounting Auditing and Finance. He was the completed project work for the International Monetory Fund.
founding editor of European Accounting and served as associate
editor of the Journal of Accounting Auditing and Finance. Michael is a Fellow of the Institute of Banking, holds a Bachelor
of Commerce degree from University College Dublin and is a
Prior to joining UCD, he held faculty positions at the London Fellow of the Chartered Association of Certified Accountants.
School of Economics and New York University. Visiting
appointments have included UC Berkeley and Peking University. Michael was appointed Chief Executive of the Institute of Banking
A consultant to a number of leading European, US and in December 2011.
Asian corporations, he has also completed assignments with
governmental organisations, the International Monetary Fund
and the United Nations. He was the inaugural recipient of the Dr Kate Cullen
Institute of Chartered Accountants Excellence in Education Award
and has been a presenter at the World Economic Forum.
(Programme Director of Executive Education)
Subject Area: Conduct and Ethics
Dr Kate Cullen is a BComm (Banking and Finance), MBS (Financial
Ms Máiréad Devine Services), and PhD graduate from University College Dublin.
Subject Area: Bank Regulation and Conduct Kate has lectured extensively on topics relating to management
control, including business and board ethics, culture and conduct.
Máiréad Devine is responsible for Regulatory Risk Strategy for Kate’s research interests are behavioural in nature and, to date,
Bank of Ireland Group Regulatory Compliance and Risk. She have focused on the psychology of decision-making, exploring
was formerly the Head of Risk, Governance and Accounting decision-makers’ susceptibility to decision-making biases.
Policy in the Central Bank of Ireland. In this role Máiréad had
responsibility for the regulatory risk framework, PRISM, and the Kate has a strong background in financial services, having previously
development of policy in corporate governance, risk management, worked in wealth management and financial services consulting, with
accounting and auditing. Máiréad was previously a Director in the Davy and Deloitte respectively. In Davy, Kate worked in many areas
PwC Regulatory Advisory Services team where she specialised of their private clients business, including portfolio management and
in the provision of prudential, governance, risk management and property investment, while at Deloitte, she offered advisory services to
compliance services across the financial services spectrum. a wide range of financial services institutions. During that time, Kate
also became an associate of the Chartered Institute of Management
Máiréad previously worked as a prudential specialist with Accountants. In 2009, Kate joined the College of Business in
PwC UK in the Financial Services Regulatory Practice. Prior University College Dublin as a member of the academic faculty.
to that she was a Manager in the Regulatory Policy Division
at the Bank of England, where she represented the Bank Kate continues to lecture in UCD at postgraduate and executive
in negotiating aspects of Basel II (notably in the areas of education levels as an associate member of the faculty. Kate joined
disclosure, aspects of credit risk and accounting policy). She the Institute in 2016 as Programme Director of both specialist
started her career as an Economist in the Economic Analysis director programmes, the Certified Bank Director Programme
and Research Department of the Central Bank of Ireland. and the Certified Investment Fund Director Programme.
The Institute of Banking | Certified Bank Director Faculty 07Mr Gerry Roseingrave Dr Peter Osborne
Subject Area: Liquidity Management Subject Area: Company Law
Gerry Roseingrave`s career in Financial Markets started in the Peter has undergraduate degrees in a number of disciplines
late 1970’s with Bank of Ireland. After several years he joined including Law and holds a doctorate in Law (1997). He is a
ABN AMRO Group where he worked for over 20 years. In 2010 solicitor qualified to practise in Ireland and in Northern Ireland
he joined the Central Bank of Ireland as a senior Treasury Analyst and lectured and examined in Law in The Queen’s University of
and in December 2016 he took up a new position in PTSB. Belfast from 1991 to 1997 during which time he also researched
and wrote extensively on legal topics. Peter has practised as
He worked in both the Dublin and New York branches a full-time consultant with McCann FitzGerald since 2000.
while at Bank of Ireland. He was responsible for the
management of interest rate and foreign exchange trading Peter has a legal advisory practice. He has particular expertise in
activities in the Financial Markets area during this time. reasoning and legal problem-solving, legal risk assessment and
management, statutory and other legal drafting and in advising in
In his career at ABN AMRO he held senior positions in Amsterdam legal and regulatory issues in complex projects and transactions.
and Dublin: these included Regional Head of Trading CEEMEA, These have included many substantial national and private
Global Head of Market Risk for Emerging Markets, Head of ALM for infrastructure projects and legal and regulatory compliance
Central and Eastern Europe and Country Executive Ireland. Following initiatives in the financial services, State and corporate sectors.
the split of the ABN AMRO Group he was seconded in 2008 to Ulster
Bank where he held the position of Treasurer until December 2009. Peter advises on banking and financial services licensing and
regulatory compliance and generally in administrative, banking and
In 2010 he joined the Central Bank of Ireland where he was finance, corporate and commercial law and corporate governance.
appointed Head of the Treasury Team within Banking Supervision Peter frequently assists clients in legal risk assessment and
Division. This team was responsible for the oversight of the Treasury management and in formulating legal responses to crisis situations,
operations of licensed banks. His team was responsible for managing engagements that are, by their nature, sensitive and confidential.
and leading PLAR (Prudential Liquidity Assessment Review) the He also drafts legislation for a number of State clients.
liquidity element of the Financial Measures Programme 2011 and
reporting thereafter to the Troika on liquidity developments. Peter combines extensive legal and regulatory knowledge
and experience with a keen appreciation of the commercial
In November 2014 the Single Supervisory Mechanism (SSM) and policy-related context. Peter has an advisory input
resulted in a substantial organisational change within the Banking into a large proportion of the transactions and regulatory
Supervision Division of the Central Bank of Ireland. As a result issues in which McCann FitzGerald is engaged.
he was assigned to the Inspections Division within Banking
Supervision where as Head of Mission he led inspections of Peter also manages McCann FitzGerald’s research and know-how
Credit Institutions – predominantly in the Treasury space. functions and the firm’s team of professional support lawyers.
In December 2016 he joined PTSB as senior Advisor to the
Chief Risk Officer on asset and liability management matters.
He has extensive expertise in crisis situations most particularly
from an Asset and Liability perspective. In his position as Regional
Head of Trading CEEMEA 1997-2001 in ABN AMRO, he helped
to manage the Treasury operations of ABN AMRO Prague and
Moscow during their country’s crises in 1997 and 1998 respectively.
08 The Institute of Banking | Certified Bank Director FacultyProfessor Brian O’Kelly Mr Richard Pike
Subject Area: Market, Liquidity Risk, IRRBB Subject Area: Operational Risk and ERM
Professor Brian O’Kelly is Adjunct Professor of Finance at Dublin City Richard has extensive experience of working with financial institutions
University and Programme Director of its MSc in Investment, Treasury and technology companies throughout the world, assisting companies
and Banking. He holds engineering and MBA degrees from UCD, and in managing enterprise risk more efficiently while addressing local
an MSc in Investment and Treasury and PhD degrees from DCU. His regulatory guidelines and standards. He is currently an Independent
PhD thesis was on the valuation of Collateralised Debt Obligations Non Executive Director at PermanentTSB Bank plc., JP Morgan Fund
(CDO). Administration Services (Ireland) Limited and JP Morgan Hedge Fund
Services (Ireland) Limited.
Brian has worked in the financial markets for over twenty years.
His early experience was of commodity price hedging for ESB. He has previously worked in various senior banking, insurance,
Later, he worked in corporate banking and risk management at AIB credit and market risk roles at Wolters Kluwer Financial Services,
Capital Markets and with QED Equity. He has undertaken consulting ABN AMRO, Bain, COMIT Gruppe and Quay Financial Software.
assignments with the Central Bank of Ireland, the Department of He has analysed, designed and managed the development of core
Finance, Wells Fargo Bank International and De Nederlandsche Bank. treasury and enterprise risk management systems for large financial
institutions, including UBS, Citibank, Schroders and Unicredito. In
Brian delivers the Fixed Income and Financial Engineering modules 2009, Richard was recognised as a “Top 50” Face of Operational Risk
on the Institute of Banking’s Executive Masters in Risk Management by Op Risk & Compliance magazine and was a contributing author to
and lectures in Derivatives, Banking and Fixed Income in Dublin two books on risk management.
City University. He has lectured on the MSc in Quantitative Finance
and the MBA in University College Dublin, as well as the MSc in He is also a board member of the Governance, Risk and Compliance
Financial Engineering in NUI Maynooth. He has delivered executive Technology Centre which focuses on research in the area of financial
programmes for the Institute of Banking on credit risk, market risk services governance, risk and compliance.
and Basel III.
Richard has also received the designation of ‘Certified Bank Director’
Professor O’Kelly is a speaker at numerous conferences, and has also by the Institute of Banking.
written articles on securitisation, accounting, banking and regulation
for industry journals such as Banking Ireland and Accountancy Ireland,
and academic journals such as Journal of International Money and
Finance and World Economy.
The Institute of Banking | Certified Bank Director Faculty 09Notes 10 The Institute of Banking | Certified Bank Director
The Institute of Banking | Certified Bank Director 11
Notes 12 The Institute of Banking | Certified Bank Director
The Institute of Banking IFSC 1 North Wall Quay Dublin 1 Ireland P: +353 (0)1 611 6500 F: +353 (0)1 611 6565 E: info@iob.ie W: www.iob.ie
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