Retail Convenience

The retail convenience sector is experiencing continued activity driven by growth in sales volume, competitive pricing strategies employed by all leading grocery brands and extensive store revamp programmes.

Retail Convenience

What we offer

In Bank of Ireland, we have a strong appetite to support you in the delivery of a top-class retail offering within your local community. We would welcome the opportunity to speak with you and to establish how Bank of Ireland can meet the needs of your business and support you in achieving long-term, sustainable growth and profitability.


Owen Clifford – Head of Retail Convenience

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Mobile: 087 907 9002


Owen Clifford is Head of Retail Convenience within Bank of Ireland since 2015. Owen is responsible for the continuing development of the Bank’s growth strategy in this key area and has actively supported leading retailers and stakeholders in the sector to grow and develop their business in a sustainable manner.

Owen has brought extensive industry knowledge and experience to this role, having worked in the retail sector with Musgrave Retail Partners Ireland where his role involved supporting independent retailers to maximise their profitability and to develop long-term, sustainable business models. During this time Owen built up a significant knowledge base, and a network of connections with expertise, in the areas of Finance, Operations and Legal/Regulatory requirements specific to the Retail Convenience sector.

Owen holds a first class honours degree in Law and Accounting from the University of Limerick and is a Fellow of the Institute of Chartered Accountants Ireland and an Associate of the Irish Taxation Institute. He previously held roles with PricewaterhouseCoopers and Deloitte.

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