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Tracy Fleming

Director, Challenged Assets Group, Group Risk


As Head of the Asset Disposals Unit in Challenged Assets Group (CAG), I lead a market facing team with oversight across all property assets in challenged units.  A key part of this role is to identify market opportunities and lead Portfolio Initiatives to further reduce the Group’s non-performing loans. I have worked in CAG since its inception in 2012, which has provided me with the opportunity to develop strong risk management, strategic thinking, leadership and networking skills, all of which have been enhanced through listening and understanding the perspective of others. I have been fortunate to work in a results orientated environment where hard work, commitment, drive and resilience are valued and rewarded. 


Prior to my current role, I was asked to establish the Residential Management Unit in CAG which was responsible for the successful execution of Ireland’s largest residential portfolio sale. Previous to this, I held various management roles within the Specialist Property Group, Corporate Banking and International Finance. During this period I also greatly enhanced my organisational skills through maternity leave! 


Before I joined Bank of Ireland, I worked with KPMG where I qualified as a Chartered Accountant. I am also a DCU Accounting & Finance graduate. I am married to Tom and have two sons Cian and Conor.


Together with Rosemarie Flanagan, I led Group Risk’s Inclusion and Diversity work stream through 2016 and now support the organisation-wide Inclusion and Diversity programme. I fully recognise the benefit of a diverse and inclusive workforce which is to the advantage of all colleagues, customers and stakeholders.


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