John is Chief Risk Officer at AIB UK, where he sits on the UK Executive Committee and holds senior management responsibility across risk, compliance and financial crime. He has over twenty years of financial services experience spanning banking, advisory and public policy, including senior roles at PwC and with the Ministry of Finance as Interim CRO and Banking Policy Advisor. A practitioner who has led technology, cultural and regulatory change implementations in risk management for commercial impact, John has driven end-to-end process transformation using data analytics and built risk cultures that prioritise accountability — shifting risk functions from defensive compliance postures to active business partnership. He co-led the development of the Risk Academy at AIB Group, making a deliberate choice to prioritise human judgment, communication and challenge over technical training — to support and position risk skillsets for the future, as AI reshapes the profession.