Colm Kincaid

Career Overview

Colm Kincaid was appointed Deputy Governor, Consumer and Investor Protection on August 1, 2025. As a qualified solicitor who practiced with firms in London and Dublin before joining the Central Bank in 2004, Kincaid brings over two decades of consumer-focused financial regulation expertise to the role.

Kincaid is responsible for leading the strategic development and execution of the Central Bank's consumer and investor protection mandate across all sectors including banking & payments, insurance and capital markets. He has specific responsibility for overseeing Supervisory Risk Analytics & Data, Enforcement and the Horizontal Supervision Directorates.

Education & Professional Background

Kincaid holds a first class honours law degree from Trinity College Dublin and a diploma in company direction from the Institute of Directors. Prior to joining the Central Bank in 2004, he worked with law firms A&L Goodbody in Dublin and Linklaters in London. His legal practice specialized in financial regulation and structured finance.

Career History

• Deputy Governor, Consumer and Investor Protection (August 2025–present)
• Director of Enforcement (January 2024–August 2025)
• Director of Consumer Protection (October 2021–January 2024)
• Director of Securities and Markets Supervision (2018–2021)
• Head of Consumer Protection: Policy and Authorisations and Deputy Head of the Legal Division, Central Bank of Ireland
• Solicitor at A&L Goodbody (Dublin) and Linklaters (London)

Notable Achievements and Leadership

Governor Gabriel Makhlouf noted that Kincaid brings "over two decades of experience in consumer-focused financial regulation, legal expertise and strategic leadership." Kincaid's commitment to upholding the highest standards of consumer welfare and market integrity has been a hallmark of his work at the Central Bank. In 2026, Kincaid led the Central Bank's focus on consumer protection through initiatives including integrated supervisory models, OECD recommendations implementation, enhanced fraud and scams protection, and improved enforcement reviews.

What Kincaid Could Bring to Deputy Governor Role

With his progression through enforcement, consumer protection, and securities supervision roles, Kincaid is positioned to drive coordinated consumer and investor protection across the Central Bank's regulatory mandate. His legal background combined with 20+ years of financial services regulation experience equips him to modernize the regulator's supervisory approach while addressing emerging risks in fraud, digitalisation, and consumer experience—priorities he emphasized during his tenure as Director of Consumer Protection.