The Gap I Keep Seeing

I've spent twenty years building complex systems at some of the world's largest financial institutions — quantitative risk models, regulatory frameworks, enterprise-wide processes spanning multiple countries and thousands of users. That experience taught me what technology can do when it's built properly.

In 2024, I started building with AI tools — Claude Code, GPT-4, and the ecosystem of modern AI infrastructure. What I found was transformative: the same kinds of systems that used to require teams of 20 and budgets of €500k can now be built by a single experienced engineer in weeks.

But that revolution hasn't reached the businesses that need it most. Irish SMEs — hotels, food producers, retailers, professional services firms — are still being quoted €25,000–50,000 for projects that should cost a fraction of that. Only 12% of Irish SMEs use AI. Not because they can't benefit from it, but because nobody is offering it at a price and complexity level that makes sense.

Enterprise Experience, SME Focus

I started my career in quantitative risk — pricing derivatives and CDOs at the sharp end of financial complexity. I spent a decade at a major global insurer, first as a front-office dealer trading FX and derivatives, then as Solvency II Project Manager implementing regulatory capital frameworks across European subsidiaries.

In 2016, I was appointed Global Head of Risk Identification at a European G-SIB — one of the world's systemically important banks. I built a team across three countries and designed the group-wide risk framework from scratch, covering APAC, EMEA, and the US CCAR process.

That's the enterprise experience. But the skills that matter most now aren't bank-specific — they're about understanding complex systems, building things that work under pressure, and translating technical capability into business value. That's exactly what AI-as-a-Service for SMEs needs.

How I Build

I build with Claude Code (Anthropic's AI coding tool), modern web frameworks, and cloud infrastructure — the same tools used by the world's best engineering teams. This isn't no-code drag-and-drop. It's production-grade software, built fast because AI has made a single experienced engineer as productive as a small team used to be.

This website, for example, was built and deployed in days, not months. The same approach applies to everything I build for clients: real software, built properly, delivered quickly, at a fraction of the traditional cost.

I hold a B.Sc. in Mathematical Physics from University College Dublin and the Financial Risk Manager (FRM) certification from GARP. I'm based in Wexford.

Career Timeline

2024 – Present
AI-as-a-Service for Irish SMEs
EON Risk Services
Building AI solutions for Irish SMEs. Claude Code, modern AI tooling, LEO grant-aligned delivery.
2023 – 2024
Risk Identification Lead, Enterprise Risk Management
Major International Banking Group
Embedding risk identification into ICAAP/ILAAP. Pilot programme validated methodology and identified critical gaps.
2020 – 2023
CEO & Founder
EON Risk Services
Bank risk identification methodology, consulting, book, and practitioner toolkit.
2016 – 2017
SVP, Global Head of Risk Identification
European G-SIB
Built a team of 7 across 3 countries. Designed the group-wide risk identification framework covering APAC, EMEA, and US CCAR.
2008 – 2016
Front Office Dealer, then Solvency II Project Manager
Major Global Insurer
Trading FX, money markets, derivatives. Then implementing Solvency II across European subsidiaries.
2004 – 2008
Quant Risk Analyst & Financial Risk Manager
Irish Bank & German Mortgage Bank
Basel II derivatives pricing. CDO and mortgage-backed securities pricing pre-crisis.
Earlier
Software Engineering & Market Risk
Banking & Technology
Financial analytics systems (Pascal/C), COBOL development, market risk/VaR. Started in technology, ended up in finance.

Credentials & Tools

FRM (GARP) B.Sc Mathematical Physics (UCD) ACI Dealing Certificate Claude Code (Anthropic) Enterprise Ireland Alumni Vercel & Supabase

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