Caroline Hickey – Managing Director

Caroline began working in the Life and Pensions industry in 1999. She worked in Keane Pension and Investment Consultants Limited for 12 years where she developed extensive technical expertise in all areas of Private Pension Planning, Investments, Group Risk Schemes and in areas of Public Sector Pensions through the provision of advice in relation to AVCs and PNS.

Caroline joined Public Authority Pension Services Limited (PAPS) as a Director in June 2016 and became Managing Director in December 2019.

Caroline holds a Diploma in Information Systems from Trinity College Dublin, a Professional Diploma in Financial Advice (QFA) and a Professional Diploma in Retirement Planning Advice (RPA).


Sarah Darcy – Director

Sarah joined PAPS as a Senior Account Manager in 2019, and brings with her a broad range of technical knowledge across public and private sector schemes.  Sarah has worked in pensions since 2007; prior to joining PAPS she was the Superannuation Officer for the National Maternity Hospital.  Sarah has hands-on experience of administration of pre-existing schemes and the Single Public Sector Pension Scheme.

In the earlier part of her career, Sarah worked in the banking sector.  During this time she worked in the Learning & Development team of one of Ireland’s largest banks.  Sarah has extensive experience in delivering staff presentations and training, both in traditional classroom format and online.

Sarah holds a number of professional qualifications including: a Professional Diploma in Financial Advice (QFA); a Professional Diploma in Retirement Planning Advice (RPA); a Professional Certificate in DC Pension Scheme Trusteeship (PTP); Certified Project Management Associate (IPMA-D); and a QQI Level 6 Certificate in Training Delivery & Evaluation.

Sarah became a Director of PAPS in 2021


Mandy Hanratty – Senior Account Manager

Mandy joined the Public Sector (Institute of Technology Blanchardstown (ITB)) in 2005 and worked for the Institute’s Secretary Financial Controller and HR Department (Pensions) before leaving to join PAPS as a Senior Account Manager in July 2021.

From 2005 to 2019 Mandy provided a comprehensive pension service to circa 350 staff on the Blanchardstown campus.  In 2019 ITB aligned with the Institute of Technology Tallaght (ITT) and Dublin Institute of Technology (DIT) to become Irelands first Technological University (TU Dublin), after which Mandy worked closely with the University’s Pension Management team to provide superannuation services to approx. 3,500 staff.

Mandy holds professional qualifications as a Tax Technician and Accounting Technician, as well as in Employment Law.  Mandy has comprehensive experience in the HR fields and in particular systems, supporting personnel, payroll and superannuation.

Mandy has expert knowledge and experience in application and implementation of superannuation legislation and she has provided training and support in these areas.


Neil O’Brien – Account Manager

Neil joined PAPS as an Account Manager in 2021 and has developed a range of technical expertise in public sector pension scheme rules, particularly the Single Public Service Pension Scheme. Neil has excellent communication and presentation skills.

Neil graduated from University College Cork with a First Class Honours degree in BSc Government and has recently completed a Graduate Diploma in Public Administration, University of Limerick.

Prior to joining PAPS, Neil gained experience in the Houses of the Oireachtas through a student internship.  His background in dealing with many different stakeholders enables him to deliver high-quality service to our many public sector body clients and their pension scheme members.


Bernie Hanna – Pensions Specialist

Bernie joined the Public Sector (Teagasc) in 1990 and worked in Teagasc’s Finance, Administration and HR Departments (Pensions), before leaving to join PAPS as a Senior Account Manager in December 2016.

From 2008 to 2016 Bernie managed the Pensions area of Teagasc, developing comprehensive technical knowledge and expertise in Public Sector Pensions. During this period, she received a number of awards under the Teagasc Staff Excellence Programmes.

Bernie joined PAPS as a Senior Account Manager in December 2016.  Bernie uses her many years of public sector pension administration experience to assist clients with the administration of their schemes, ensuring compliance by Schemes with regulatory requirements and ensuring that scheme administrators have adequate training and guidance.

Bernie graduated from UCD with a Bachelor of Commerce Degree in 1981.