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About Us Cois Sionna Desmond Credit Union is a not for profit, community-based credit union, proudly supporting its 37,000 members across its 11-branch network, located throughout the Limerick and North Kerry region. The Role We are delighted to invite applications for the full-time, permanent role of Risk Manager, located in our Askeaton office. The Risk Manager will be responsible for leading the credit union’s risk management function, ensuring the effective identification, assessment, monitoring, and mitigation of all key risks. The role will develop, implement, and continuously improve risk management frameworks, policies, and practices. The Risk Manager will foster a strong risk-aware culture across the credit union, ensuring that risk management is embedded at all levels of the credit union’s operations. As a Central Bank of Ireland Pre-Approved Control Function (CU PCF-3), the role reports directly to the CEO with a dotted reporting line to the Board, playing a key role in supporting strategic decision-making and

Credit unions have been named Ireland’s most reputable organisation for the third consecutive year, topping the 2025 Ireland Reputation Index. Based on the views of over 5,000 people, the study ranks 100 of Ireland’s most prominent organisations on trust, respect, admiration, and esteem. With a score of 82.4, credit unions were one of just two organisations to achieve an ‘Excellent’ rating. They ranked first in three key reputation drivers—Citizenship, Conduct, and Workplace—and led when the public were asked who they would trust in a crisis, welcome into their community, and recommend to others. An Post and Boots Ireland followed in second and third place, scoring 80.8 and 79.5, respectively. David Malone, CEO of the Irish League of Credit Unions, said: “Being voted as Ireland’s most reputable organisation for the third consecutive year is a true honour and a testament to the enduring trust and respect that members place in credit unions. This recognition highlights the

Members are encouraged to complete any online or EFT payments by Thursday morning, April 17th, to guarantee that funds are received on time.

IMPORTANT MEMBER NOTICE: In light of the recent Fraud article published by the Limerick Leader, I wish to inform members that the report is NOT related to Cois Sionna Desmond Credit Union. We are a separate entity from all other credit unions, and it is business as usual. Thank You, Declan Benson, CEO.

We would like to inform you about a scam currently affecting an Irish credit union. Fraudsters are misleading individuals using a counterfeit credit union application. In this scheme, the scammer poses as a local buyer and instructs sellers to input their IBAN details into the fraudulent app. The scammer then fakes a successful funds transfer, creating the illusion that the transaction has been completed. Those affected have encountered this scammer through social media marketplaces and various online platforms. We strongly encourage anyone who has experienced this scam to report it to the Gardai. Please remain cautious of such tactics, and be wary if someone shows you a screenshot of a bank transfer. These fraudulent apps can be purchased online and are specifically designed to imitate legitimate banking applications. Protect yourself by staying vigilant and aware.

The SEPA Instant Payment Regulation will take effect in the EU on January 9, 2025. From today, you can receive money instantly, and by October 9, 2025, you will be able to send instant payments. Transactions will be processed within 10 seconds, 24/7, including weekends and bank holidays.

Notice: Adverse Weather Conditions Monday, 6th January: Askeaton and Glin offices will close early at 4:00 PM. Tuesday, 7th January 2025: Askeaton, Glin, Newcastle West, and Rathkeale offices will operate from 10:30 AM to 4:00 PM. Wednesday, 8th January 2025: Askeaton, Glin, Newcastle West and Rathkeale offices will open 10:30 AM to 4:00 PM. Please stay tuned for further updates on our opening hours, which will be shared on our social media channels and website.

We are delighted to inform you that the Annual Credit Union Schools Quiz is BACK! Quiz Details  Where : Salesians Secondary College Hall, Pallaskenry, Co Limerick V94 WP86 When : Saturday 8th of February 2025 Time : 11am Sharp All's school within the CSDCU Common Bond are invited to submit a max of 2 teams ONLY (1 team Category A & 1 team Category B). Please pay particular attention to the age categories. Competition A entrants must not have reached their 11th birthday on or before 31st Dec 2024 Competition B entrants must not have reached their 13th birthday on or before 31st Dec 2024 Quiz Stages The winning teams from Competition A and B will progress to Stage 2 (Regional Level which will take place over the second weekend in March 2025. Winners and runners-up from Stage 2 will then qualify for the National Final on Sunday 6th of April 2025. (Participating teams must be available for the Stage 2

Please see our opening hours over the festive period. You can scroll the below table to see all dates and times.  Monday     23rd DecTuesday     24th DecWednesday 25th DecThursday    26th DecFriday          27th DecSaturday     28th DecMonday   30th DecTuesday     31st DecWednesday  1st JanThursday 2nd JanuaryFriday              3rd JanuaryASKEATON9:30am – 5pm*ClosedClosedClosedClosed 9:30am – 5pm*ClosedClosed9:30am - 5pm*9:30am - 7pm*RATHKEALEClosedClosedClosedClosedClosed9:30am – 2pmClosedClosedClosed9:30am - 5pm*9:30am-6pm*NEWCASTLE     WESTClosedClosedClosedClosedClosed9:30am – 2pmClosedClosedClosed9:30am - 6pm*9:30am - 5pm*GLIN9:30am – 4:30pm*ClosedClosedClosedClosedClosed9:30am – 4:30pm*ClosedClosed9:30am-4:30pm*9:30am - 7pm**TARBERTClosedClosedClosedClosedClosedClosedClosedClosedClosedClosed10am - 2pmFOYNESClosedClosedClosedClosedClosedClosedClosedClosedClosedClosed10am - 1pmPALLASKENRYClosedClosedClosedClosedClosedClosedClosedClosedClosedClosed10am - 1pmKILDIMOClosedClosedClosedClosedClosedClosedClosedClosedClosedClosed2:10pm - 7pmSHANAGOLDENClosedClosedClosedClosedClosedClosedClosedClosedClosedClosed2:10pm - 7pmADAREClosedClosedClosedClosedClosedClosedClosedClosedClosedClosed9:30am - 6pm*CROOMClosedClosedClosedClosedClosed9:30am – 2pmClosedClosedClosedClosed9:30am - 6pm* *Closed for Lunch 1-2pm **Closed for Lunch 1:30 - 2:30pm

12 tips for Fighting Fraud this Festive Season: Be Informed, Be Alert, Be Secure – Be FraudSMART As we approach the festive season, FraudSMART is here to ensure your safety. Both consumers and businesses need to be vigilant against frauds and scams during this busy time. Everyone is a target especially with the increasing complexity of frauds and scams and during the festive season when we’re all busy enjoying this time of year. Fraudsters target us through various channels, including emails, social media, and phone calls. Here are 12 essential tips to help you stay safe: Never click on unsolicited links in texts or emails. Avoid public Wi-Fi for online purchases; use a secure connection. Keep your computer’s security up to date with reliable antivirus and browser software. Shop directly from trusted retailers’ websites. Be cautious of unbelievable deals or miracle products. Use reputable payment suppliers or Verified by VISA/Mastercard Secure Code. Watch out for