About Michelle
I am an experienced Operations, Risk & Compliance, Project & Change Support Consultant with over 14 years of experience across prominent global financial institutions, regulatory environments and Big 4 organisations.
My background spans risk management, regulatory compliance, governance, operational delivery and strategic project support within complex, fast-paced and highly regulated environments. I have extensive experience supporting organisations through operational change, regulatory transformation and business-critical initiatives, with a strong focus on stakeholder coordination, process improvement and effective delivery.
I specialise in developing and implementing compliance and risk management frameworks while aligning regulatory requirements with practical, commercially sustainable business solutions. My approach combines strong analytical capability with excellent communication, organisational and relationship management skills, enabling me to work effectively across cross-functional teams and senior stakeholder groups.
Alongside my regulatory and compliance expertise, I bring a structured and adaptable operational mindset, supporting businesses with project coordination, governance, documentation, process optimisation and organisational effectiveness. I am particularly skilled at navigating complex environments, driving clarity across teams and helping organisations manage change with confidence and efficiency.
I hold a postgraduate M.Sc. and a First Class Honours Bachelor of Business degree, and I am multilingual with experience working across international and culturally diverse environments.
English
Native or bilingual
Spanish
Conversational
Russian
Fluent
Romanian
Fluent
Remote only
Primarily works remotely
Experience
- CitibankRisk Regulatory Engagement Lead, Senior Vice President, Independent Risk ManagementBANKING AND INSURANCESeptember 2024 - February 2025 (5 months)Dublin, Ireland
- Led complex, high-profile regulatory and risk initiatives across international Banking & Risk teams spanning the US, EMEA, APAC and LATAM regions, ensuring coordinated project delivery, consistent regulatory engagement and alignment across multiple global stakeholders and regulatory bodies including the PRA, ECB, OCC, FRB and FDIC.
- Provided second line oversight, quality assurance and strategic support for regulatory deliverables, promoting proactive communication, strong governance standards and effective coordination across cross-functional teams and senior stakeholders.
- Developed and managed strategic stakeholder relationships across Independent Risk Management and business functions, strengthening collaboration, operational alignment and integrated approaches to regulatory engagement and risk management activities.
- Synthesised regulatory feedback, thematic findings and key risk insights for senior leadership, supporting informed decision-making, continuous improvement initiatives and proactive management of regulatory expectations.
- Designed and coordinated remediation and action plans to address regulatory findings, ensuring solutions were practical, sustainable and aligned with broader operational and governance objectives.
- Led regulatory review and examination readiness initiatives, supporting teams through complex assessments, strengthening documentation and governance processes and ensuring adherence to global and regional regulatory standards.
- KPMG IrelandAssociate Director, Risk and Regulatory ConsultingCONSULTING AND AUDITSSeptember 2022 - January 2024 (1 year and 4 months)Dublin, Ireland
- Led multiple high-impact regulatory, compliance and operational projects for clients across the Financial Services sector, supporting organisations in strengthening governance, risk management and regulatory compliance frameworks.
- Conducted compliance and risk assessments to identify regulatory gaps, operational risks and improvement opportunities, ensuring alignment with EU regulatory standards and industry best practices.
- Led a large-scale remediation workstream for a major banking client, managing a team of 14 consultants to deliver customer remediation activities in line with Central Bank Consumer Protection Code (CPC) requirements and EU consumer protection standards. Successfully delivered the programme ahead of regulatory deadlines while supporting strong customer-focused outcomes.
- Developed and implemented bespoke risk and governance frameworks for FinTech and banking clients, including risk appetite statements, risk registers, operational procedures and customer vulnerability frameworks to strengthen oversight, regulatory readiness and operational effectiveness.
- Led a €500k compliance assurance project for a major retail bank, delivering assurance reporting and governance recommendations that enhanced data validation, operational controls and remediation programme oversight.
- Supported the enhancement of regulatory and operational frameworks for an Irish banking client by evaluating procedures, controls and governance processes linked to Bail-In Playbook testing and regulatory readiness exercises.
- Delivered detailed gap analyses and compliance roadmaps for financial institution authorisation projects, translating complex regulatory requirements into practical, actionable implementation plans that supported successful regulatory application processes.
- Central Bank of IrelandAuthorisations Manager | Team Lead | Associate, Securities and Markets Supervision DirectoratePUBLIC SECTORFebruary 2017 - September 2022 (5 years and 7 months)Dublin, Ireland
- Held responsibility for the authorisation and regulatory assessment of approximately 800 investment fund applications annually within the Irish jurisdiction, ensuring adherence to regulatory standards while supporting investor protection and financial market stability.
- Led detailed regulatory and compliance reviews of complex investment fund applications, assessing operational, governance and risk-related considerations to identify potential issues and support effective regulatory decision-making.
- Conducted in-depth analysis of high-risk and technically complex cases, applying strong regulatory, analytical and problem-solving skills to evaluate compliance frameworks, assess risks and support appropriate mitigation strategies.
- Managed and mentored a team of seven associates, overseeing performance management, technical development and workload coordination to ensure high-quality delivery across fast-paced regulatory review processes.
- Collaborated with international regulatory bodies and stakeholders, including the International Monetary Fund (IMF) and European regulators, supporting cross-border coordination, regulatory alignment and the sharing of best practices.
- Contributed to regulatory policy development and consultation initiatives by providing technical expertise and practical insights to support the design of effective, proportionate and operationally sustainable regulatory frameworks.
- Worked closely with senior leadership teams and Boards of Directors across regulated entities, influencing key decision-making processes and supporting strong governance, regulatory compliance and operational accountability.
- Improved operational efficiency and review effectiveness by streamlining internal procedures and implementing enhanced scrutiny processes to address increasing complexity and evolving regulatory expectations.
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Education
- Bachelor of Business and LanguagesDublin City University2010Bachelor of Business and Languages
- Professional Diploma in Personal, Business, and Executive CoachingIrish Lifecoach Institute2025Professional Diploma in Personal Business and Executive Coaching