ELLEN ALEMANY
Chief Executive Officer, RBS Americas/Citizens Financial Group
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 Ellen Alemany is Chief Executive Officer of RBS Americas and Citizens Financial Group, Inc. RBS Americas is the North American and Latin American operations and subsidiaries of The Royal Bank of Scotland Group plc. She also is a member of RBS's Group Executive Management Committee, the RBS Group's 16-member executive leadership team.
RBS Americas includes Citizens Financial Group, Inc. (operating as Citizens Bank, Charter One, RBS Card Services, RBS Asset Finance and RBS WorldPay, a U.S. merchant transaction-processing subsidiary); RBS Global Banking & Markets Americas (including RBS Greenwich Capital); and Global Transaction Services Americas (including RBS's Cash Management, Commercial Cards, Payment Services and Trade Services).
Alemany's positions make her the only woman responsible for one of the top 10 commercial banking companies in the U.S. RBS Americas' U.S. operations have more than $119 billion in deposits and $681 billion in assets and employ more than 27,000 colleagues. The combined assets and deposits give RBS Americas the size and strength of the fifth-largest commercial bank in the United States.
In October 2006, Alemany was ranked by U.S. Banker as the fourth-most-powerful woman banker in America. She joined RBS Americas in June 2007 from Citigroup, where she had been CEO for Global Transaction Services (GTS), one of Citi's 12 publicly reported product lines.
Ellen joined Citibank in 1987 and held various progressive positions. They included Executive Vice President for the Commercial Business Group, President and CEO of CitiCapital and Executive Vice President and Customer Group Executive for the Global Relationship Bank in Europe.
She began her banking career at Chase Manhattan Bank in 1977, working in Operations, Structured Trade, and the Media and Electronics Department as a Senior Lender.
Ellen earned her M.B.A. with a specialization in finance from Fordham University in 1980. She is a member of the boards of directors of Citizens Financial Group, Inc., RBS Citizens, N.A., and the Depository Trust and Clearing Corporation. Recently she was appointed the First District Representative on the Federal Advisory Council, directly consulting with and advising the Board of Governors of the Federal Reserve System.
JAMES G. CONNOLLY
President, Citizens Financial Group, Inc.
Jim Connolly is President of Citizens Financial Group, Inc. Prior to being named the company's President in March 2008, Connolly was Vice Chairman in charge of the Commercial Markets Group, which included all commercial banking activities across CFG's 13-state franchise with client companies having $10 million to $500 million in annual revenue. Additional areas reporting to Connolly include RBS Asset Finance, RBS Business Capital, Global Markets, and Dealer Financial Services. Prior to joining CFG in March 2005, he was president of Bank of America Business Capital. He serves as a director of the Boston Latin School Association, as well as a member of its finance committee; and is a director and chairman of MA Mentoring Partnership; and serves as a member of the Governor's Council of Economic Advisors in Massachusetts. Connolly attended Boston Latin School and received a Bachelor's Degree in economics from Harvard College in 1982.
BRAD L. CONNER
Vice Chairman, Consumer Lending Services
Brad Conner is Vice Chairman, Consumer Lending Services at Citizens Financial Group. He is in charge of the company’s residential lending, national auto finance, consumer credit card services and student finance businesses. With nearly 25 years of management experience in financial services, Conner has an impressive track record of success in leading consumer finance businesses, including mortgage, home equity and student finance. Before joining CFG in June 2008, he was President of JP Morgan Chase & Co.’s Home Equity and Mortgage Home Loan Direct business, headquartered in Phoenix, Ariz. He previously oversaw the combined home equity business of JP Morgan Chase & Co. and Bank One after the companies merged in 2004, and served as CEO of Chase’s Education Finance businesses. Conner, a native of St. Louis, has a B.A. and M.B.A. from the University of Arkansas.
BARBARA COTTAM
Senior Vice President and Director of Corporate Affairs
Barbara Cottam is Senior Vice President and Director of Corporate Affairs at Citizens Financial Group. She has corporate-wide responsibility for directing media and public relations, corporate giving, government affairs, internal communications and marketing sponsorships. She is in charge of media relations throughout the company's New England, Mid-Atlantic and Midwest commercial and retail banking footprint and is the chief media spokesperson on holding company matters. Cottam joined Citizens in 1994 as Director of Public Affairs after 12 years in senior policy and communications positions in state and municipal government in Rhode Island. She was Director of Communications and Press Secretary to Gov. Bruce Sundlun from 1991 to 1994. Cottam chairs the Providence College President's Council and serves as a member of the strategic planning committee of the board of trustees. She is a former vice chairperson and present member of the board of directors of Home and Hospice Care of Rhode Island and a member of the board of directors of the RI Zoo Society. She served as a founding member of the board of directors of Rhode Island Kids Count for 10 years. A graduate of Providence College, Cottam received a bachelor of science degree, double majoring in business marketing and business management. She has been a guest lecturer on media, marketing and government.
JAMES B. FITZGERALD
Chief Financial Officer and Group Executive Vice President
Jim oversees the company's Accounting, Finance, Treasury, and Corporate Taxes. Fitzgerald became CFO in June 2001. He was Senior Vice President and head of merger and acquisition activities at CFG from 1994 to 1997. Fitzgerald received a B.A. in finance from Lehigh University in Bethlehem, Pa., and an M.B.A. from Fordham University in New York.
EDWARD O. HANDY
President, Citizens Real Estate Finance
Ned Handy is President of Citizens Real Estate Finance, which is one of four major business groups within Citizens Financial Group, Inc. Handy oversees all commercial real estate finance activities for CFG including Lending Services, Risk Management and the regional real estate teams located throughout the company's 13-state footprint. From 2004 to February 2008, Handy was President of Charter One, Ohio. Handy served as President of Citizens Bank of Connecticut from 1999 to 2004, with responsibility for all commercial lending activity, including commercial lending, commercial real estate lending and community banking. Handy is a graduate of Brown University with a Bachelor's Degree in urban studies. He is active on the boards of Greater Cleveland Partnership, United Way of Greater Cleveland, Neighborhood Progress Inc., and co-chairs the Harvest for Hunger campaign.
ROBERT D. MATTHEWS
Vice Chairman, Commercial Markets
Robert Matthews is Vice Chairman of Citizens Financial Group, Inc. with responsibility for the company’s Commercial Markets business. Commercial Markets encompasses the Regional Banking, Middle Market and Mid-Corporate coverage groups that manage CFG’s relationships with corporations, non-profits and municipal entities. He also oversees the State Presidents who represent the overall Citizens Financial Group franchise in its 13 markets under the Citizens Bank and Charter One brands. Matthews was previously with Citigroup where he was Executive Vice President and Head of U.S. Commercial and Middle Market Banking. He received a Bachelor’s Degree in Economics from Harvard College in 1985 with an emphasis on labor relations and bargaining behavior.
DENISE MENELLY
Vice Chairman, Manufacturing
Denise Menelly is Head of Operations at RBS Americas, which encompasses the North and South American businesses of RBS, one of the world's largest banks. She also is a Vice Chairman at Citizens Financial Group, Inc. Menelly has more than 25 years experience leading positive change in a variety of banking operations, technology and client service functions. Before joining RBS Americas in the fall of 2008, she was the Global Head of Securities & Fund Services Operations in the Global Transaction Services (GTS) business of Citigroup. Her responsibilities included operations, product implementation and client service and her 6,000 employees supported these functions in more than 100 countries. Aside from her professional achievements, Menelly has played a leadership role in creating organizations and programs designed to help women succeed. She was a founding member of both Citigroup's and Bankers Trust's Women's Councils, is a member of the YWCA's Academy of Women Leaders and has been a featured speaker at a number of industry-sponsored events focusing on women in business including, Deutsche Bank's Women on Wall Street® (WOWST) conference. Menelly graduated from Manhattan College in 1983, receiving a B.S. in economics.
TOM METZGER
Group Executive Vice President Risk Management, Chief Risk Officer
Tom is Group Executive Vice President Risk Management and Chief Risk Officer of Citizens Financial Group. In early 2006, Tom assumed the position of Head of Credit. Metzger has more than 31 years of diverse banking experience. From 2003 until 2006, Metzger was Chairman, President and CEO of Citizens Bank New Hampshire. An active member of the community, Metzger has served on several boards of directors including Heritage United Way, Greater Manchester Chamber of Commerce, New Hampshire Bankers Association, New Hampshire Business & Industry Association, New Hampshire Business Committee for the Arts. He has also served as a member of the executive committee of Heritage United Way and an incorporator of the New Hampshire Charitable Foundation. He served as chairman of the 2004 Heritage United Way Campaign, the 2005 GMCC Annual Citizen of the Year Dinner and was the 2006 chairman-elect of the Greater Manchester Chamber of Commerce. Metzger received a B.A. degree from Benedictine College in Atchison, Kansas, and has completed the Graduate and Post-Graduate Schools of Banking at the University of Wisconsin-Madison.
JOSEPH F. NEMIA
President, RBS Commercial Finance
Joseph F. Nemia is Group Executive Vice President and President of RBS Commercial Finance. In this role, he manages three asset-based finance business lines: RBS Asset Finance, RBS Business Capital and Dealer Finance.
Joe was previously with New York-based CIT Group, where he was President of CIT Commercial & Industrial, overseeing a group responsible for providing financial solutions across a wide range of markets including retail, food, beverage and agriculture, chemicals, wholesale, manufacturing, business services and others.
He has more than 25 years of experience in corporate finance and sales. His areas of expertise include acquisition financing, recapitalizations, restructuring, leveraged financing, cash-flow lending and asset-based lending.
Joe holds a B.B.A. in accounting and an M.B.A. in finance from Pace University in New York. Joe is Immediate Past Chairman of the Commercial Finance Association, an industry-leading forum of financial institution executives and institutions.
EVELYN TRESSITT
Group Executive Vice President and Chief Human Resources Officer
Evelyn Tressitt is Group Executive Vice President and Chief Human Resources Officer at Citizens Financial Group. She has responsibility for all aspects of human resources including organizational development, compensation and benefits, colleague evaluation and performance management, and overall strategic resource planning.
Tressitt began her career with Citibank where she held increasingly more responsible human resources leadership roles across both consumer and corporate banking businesses. She earned a Bachelor of Arts degree in human resources management from DePaul University.
EXECUTIVE LEADERSHIP COUNCIL
BEN BARONE
President and CEO of RBS Lynk, Inc.
Ben Barone is President and CEO of RBS Lynk, Inc., the Atlanta-based electronic payment processing subsidiary of Citizens Financial Group, Inc. Barone has more than 25 years of progressive leadership roles and experience in financial products and services in the retail industry. Before joining CFG, he was Vice President, Credit Services at Home Depot, the second- largest retailer in the world, where he was responsible for strategy, development, management, execution and growth of all non cash/check payment types, as well as the management of the company’s private label credit programs and new financial services product development. Barone’s community activities/interests include his community Charity Guild, Habitat for Humanity and Kaboom Playgrounds. He is a graduate of George Mason University.
RICHARD BARRY
President, Citizens Bank, Connecticut
Richard Barry is President of Citizens Bank, Connecticut. In this role, Barry oversees Citizens' activities in the Connecticut market. Prior to his current role, Barry held senior management positions within Citizens Financial Group's Risk Management organization. He joined the company in 1995 as a senior vice president and was promoted in November 2004 to Executive Vice President. Since he assumed his current role, Barry has become an active member of the following boards of directors: Middlesex Chamber of Commerce Board and Executive Committee, Bushnell's Board of Overseers, Greater Hartford Area YMCA's Civic Leadership Committee, Connecticut Bankers Association, Connecticut Business and Industry Association, St. Francis Hospital Foundation, Hartford Economic Development Corporation and the Urban League of Greater Hartford, of which he is chairman. Additionally, Barry was appointed by Gov. M. Jodi Rell to sit on the Southeastern Connecticut Economic Diversification Commission, which had been charged with developing the economy of New London County in concert with the BRAC Commission report. Barry is a graduate of Bentley College in Waltham, Mass. and received his M.B.A. from Babson College in Wellesley.
JODY BHAGAT
Executive Vice President, Director of Customer Direct
Jody Bhagat is Executive Vice President, Director of the Customer Direct division of Citizens Financial Group, Inc. He is responsible for developing a world-class customer and colleague experience through CFG's telephone and electronic channels. His role includes managing sales and customer-service touchpoints including the PhoneBank, Online Banking and Bill Pay. Previously, Bhagat was with Wells Fargo Corporation where he led channel integration for the Consumer Credit Group. Bhagat received his Masters of Management from the Kellogg Graduate School of Management where he was an Austin Scholar. He received a B.S. in computer engineering from The University of Michigan. He has also been active on the Board of Junior Achievement.
JOEL BRICKMAN
Executive Vice President, Chief Legal Counsel
Joel Brickman is Executive Vice President and General Counsel at Citizens Financial Group, where he is responsible for leading and directing all legal and corporate governance activities. Prior to joining Citizens in 1996, Brickman was Senior Vice President, General Counsel, and Secretary of Bank of Ireland First Holdings, Inc. and its subsidiary, First NH Bank. Before that, he held several positions, including counsel to Signal Capital Corporation and as an attorney with the U.S. Department of Navy Office of the General Counsel. Active in the legal community, Mr. Brickman is a trustee of Greater Boston Legal Services and a member of its finance committee. He is also a trustee of the New England Legal Foundation. Mr. Brickman is a graduate of the Benjamin N. Cardozo School of Law.
ROBERT M. CURLEY
President, Citizens Bank, New York
Bob is President, Citizens Bank, New York and a member of the Executive Leadership Council. Previously, he served as the Division President of Charter One Bank for the Northeast. Prior to that, Bob was vice chairman of Key Bank. Among his civic and community affiliations, Curley is on the boards of Siena College, Dowling College, the Public Broadcasting System, and the Center of Economic Growth, and serves as Chairman or Past Chairman of the Community Lending Corp., the Sports Foundation, New York Bankers Association, and Catholic Charities. He is a graduate of Dowling College and holds an M.B.A. from Adelphi University.
JOE DEWHIRST
Group Executive Vice President and Treasurer
Joe has more than 20 years experience in balance sheet management and previously was the Treasurer of Bank of America. Prior to Bank of America, he was the Treasurer of FleetBoston, responsible for interest rate risk management, balance sheet strategies, liquidity and capital management. He graduated from Harvard College in 1973, where he majored in psychology and social relations. He earned a Ph.D. in social psychology from Harvard University in 1978.
DANIEL K. FITZPATRICK
President and CEO for Eastern Pennsylvania, Delaware and New Jersey
Daniel Fitzpatrick is Citizens Bank's President and CEO for eastern Pennsylvania, Delaware and New Jersey. Fitzpatrick, a native of Philadelphia, formerly was President, Bank of America, Pennsylvania and B of A's Market Executive for Commercial Banking for Pennsylvania, southern New Jersey and Delaware. He is active in the community, serving on the board of the Greater Philadelphia Chamber of Commerce as well as the chamber's CEO Council for Growth. Fitzpatrick is chairman of CEO Ambassadors for 21st Century Skills, a business advocacy organization focused on strengthening public education and providing students with job preparedness skills. He also is a member of the board of directors of the Greater Philadelphia Urban Affairs Coalition. He is a member of the executive committees of the Greater Philadelphia Convention and Visitor's Bureau, and the Office of Catholic Education of the Archdiocese of Philadelphia. He is a member of the boards of trustees of the University of the Arts and La Salle University, the executive boards of the Economy League of Greater Philadelphia and the Free Library of Philadelphia Foundation, and vice chairman of the corporate board of the Philadelphia Museum of Art. Fitzpatrick holds a Bachelor's degree in Business Administration from LaSalle University and an M.B.A. from Drexel University, and is a CPA and Chartered Financial Analyst.
JAMES GIFAS
Head of GTS Solutions, U.S.
Jim Gifas is Head of GTS Solutions, U.S., the transaction services division of Citizens Financial Group, Inc., which is one of the 10 largest commercial banking companies in the United States. He joined GTS from Citibank and is responsible for sales, implementation and client service for all CFG-managed cash management segments including Business Banking, Regional and Middle-Market Banking, Mid-Corporate Banking, Commercial Finance, Commercial Real Estate Finance and Government Banking. Prior to Citigroup, Gifas worked as the Northeast Sales Manager at Deutsche Bank. Jim earned his B.A. from Iona College.
JOSEPH A. HOFFMAN
President and CEO, RBS Card Services
Joseph A. Hoffman is President and CEO of RBS Card Services. Hoffman joined RBS Card Services in May 2004 as the Chief Marketing Officer for RBS's U.S. credit card operation, a position to which he brought nearly 25 years of diverse credit card experience. Prior to joining RBS, he spent six years at Metris Companies, where he held a variety of senior management positions the last of which was executive vice president of marketing and operations. Hoffman is a graduate of Loyola College in Baltimore, where he received Bachelor of Arts and Master of Business Administration degrees. He has been on the MasterCard Business Committee since 1998. He also serves on the board of directors of the Fairfield County Community Foundation in Connecticut.
BRADFORD B. KOPP
Group Executive Vice President, Corporate Strategy and Development
Brad is in charge of the company's mergers and acquisitions team and other strategic planning initiatives. He is also Head of Strategy for RBS Americas, the overall North American business unit of RBS, the Royal Bank of Scotland Group plc. He currently is serving as CEO of ABN North America. He joined CFG as Chief Financial Officer in August 1993 after 16 years as an investment banker in New York. Kopp is a graduate of Harvard College and Harvard Business School. He is active in the community, serving on a number of local boards of directors including- the Rhode Island Public Expenditure Council and Family Service of Rhode Island.
DAN LANDERS
President, RBS Business Capital
Dan Landers, a 28-year veteran of the asset-based lending industry, is President of RBS Business Capital, which operates nationally with approximately $4 billion in loan commitments. RBS Capital is a unit of Citizens Financial Group, Inc. Landers is responsible for all aspects of the delivery of asset-based loans to a national customer base, serviced through a dedicated network of seven full-service offices throughout the United States. Prior to this position, he held various executive and senior management positions in the asset-based lending industry at Bank of New England and BTM Capital, a subsidiary of Bank of Tokyo. He serves as a director of the National Commercial Finance Association and is a member of its executive committee. Landers is a Boston native educated at Boston College.
JOSEPH J. MARCAURELE
President, Citizens Bank, Rhode Island
Joe is President, Citizens Bank, Rhode Island and a member of the Executive Leadership Council. Before being named head of Citizens' franchise in Rhode Island in July 2001, he was Executive Vice President in charge of Commercial Banking in Rhode Island and Connecticut. MarcAurele is a graduate of Holy Cross College and has done graduate work at Providence College. He chairs the Governor's Workforce Board of Rhode Island and is a member of the Rhode Island Commodores. He serves on the boards of directors of several local charities, including, Rhode Island Hospital, the National Conference for Community and Justice, LaSalle Academy, the United Way of Rhode Island, and the Greater Providence Chamber of Commerce.
KENNETH MARTIN
Executive Vice President, Director of Business Banking
Ken Martin is Executive Vice President and Director of Business Banking for Citizens Financial Group. Ken is responsible for directing all strategies relating to the sales, lending, operations and risk/compliance functions. He also collaborates with senior executives from Retail, Marketing, Customer Direct, as well as CFG’s Commercial Markets and Payment and Lending Services Group. Ken previously worked at Bank of America, where he was Northeast Regional Executive for Business Banking, a $500 million revenue business with 25,000 business clients located from Maine to Virginia, and west through Upstate New York. Ken serves on boards of the Boys & Girls Club of Pawtucket, Harmony Hill School and Rhode Island Scholar Athlete Games. He is the past chairman of the Northern Rhode Island Chamber of Commerce, and has served on the Rhode Island Lieutenant Governor’s Small Business Advisory Council and the Woonsocket Industrial Development Corporation. He was awarded the Rhode Island Small Business Administration Financial Advocate Award in 1997.
THERESA MCLAUGHLIN
Group Executive Vice President, Chief Marketing Officer
Theresa is responsible for all company-wide marketing for the Citizens Bank and Charter One brands. This includes brand development, sports marketing and promotions, interior and exterior signage, product management and development, advertising, database marketing and market research. Her advertising contributions have been recognized twice by the American Marketing Association for effectiveness through the Effie awards. Her branch design contributions won first prize in the 2003 Institute of Store Planners / Visual Merchandising and Store Design International Store Design Competition. McLaughlin has served on the board of directors of Horizons for Homeless Children, as a vice chairwoman for the United Way giving Campaign and the Boston Ad Club.
MIKE MILLARD
Executive Vice President, Director of CCO Investment Services
RALPH J. PAPA
Chairman, Citizens Bank of Pennsylvania
Ralph J. Papa is Chairman of Citizens Bank of Pennsylvania, with market responsibility for all commercial banking in western Pennsylvania, including Pittsburgh, Erie and State College, as well as a loan production office in the Washington, D.C. area. Papa joined CFG in 2001 after it purchased the retail, small business and certain middle market banking operations of Mellon Financial Corporation. Papa received a bachelor's degree in social science/psychology from Penn State University in 1969. He is a 1983 graduate of the Stonier Graduate School of Banking at Rutgers University.
MARC PAULHUS
President, RBS Asset Finance
Marc manages sales, marketing, credit and operations of RBS Asset Finance. Marc brings many years of specialized equipment finance industry knowledge to this position, including significant experience in sales, syndication, credit and management positions. Marc joined RBS Asset Finance (formerly RBS Lombard) in March 2003 as Head of the newly formed Corporate Aircraft unit, developing that business globally for RBS while helping set up a Corporate Jet Capital team in the United Kingdom. He was named RBS Asset Finance’s National Sales Manager in May 2005, driving the sales effort for the In-Platform, Out-of-Platform, Aircraft and Indirect sales units. Prior to joining RBS, Marc was head of syndication at PureMarkets Corporation and Senior Vice President at The CIT Group. He also served as region credit manager for Fleet Credit Corporation and LB Credit Corporation. Marc received his bachelor's degree in business administration from Providence College and his MBA Finance from the University of Rhode Island.
SANDRA E. PIERCE
President, Charter One, Michigan & Indiana
Sandra is President, Charter One, Michigan and Indiana and a member of the Executive Leadership Council. She began her successful and diverse banking career in 1978 when she joined NBD Bancorp as a teller while attending Wayne State University. Pierce is a graduate of Wayne State University, where she also earned her Master's degree. Civic and community involvement include the Community Foundation for Southeastern Michigan; Detroit Economic Club; Detroit Investment Fund; Detroit Regional Chamber; Detroit Renaissance, Inc.; Detroit Zoological Society; Downtown Detroit Partnership; Henry Ford Health System; Michigan Roundtable for Diversity and Inclusion; New Detroit, Inc.; Rainbow Connection; and the Wayne State University Board of Visitors.
JAMES "JAY" PLUM
Executive Vice President and Director of Home Lending Solutions
Jay Plum is Executive Vice President and Director of Home Lending Solutions division of Citizens Financial Group. Home Lending Services includes Citizens' three residential lending businesses (CCO Mortgage, Retail Lending Services and National Home Equity). Under Plum's direction, this platform unites all sales, fulfillment and secondary-marketing functions under common leadership and management. Plum began his career at Bank One. Holding a variety of positions at Bank One Cincinnati, Bank One Ohio Corporation and Bank One Corporation, he was head of the Eastern Region for Direct Lending just prior to leaving for Provident Bank in Cincinnati. A native New Yorker, Plum is a graduate of Colgate University. He has an M.B.A. from Vanderbilt.
EDWIN SANTOS
Group Executive Vice President and General Auditor
Recognized as a leader in the internal audit profession, Ed has 25 years of experience in operating-risk management, corporate governance and management advisory services. Before Joining CFG in October 2004, he was Chief Auditor for FleetBoston Financial's global operations, overseeing approximately 300 employees in various audit, compliance and operating risk functions throughout the U.S. and Latin America. Santos, a Certified Internal Auditor, received a B.S. degree from Bryant University in Smithfield, R.I., where he was Vice Chairman of the Board of Trustees. Santos is chairman of the board of trustees of Roger Williams Medical Center, vice chairman of the board of directors of Crossroads Rhode Island, co-vice president of the board of Rocky Hill School, and a member of the board of directors of Delta Dental of Rhode Island.
CATHLEEN A. SCHMIDT
President, Citizens Bank, New Hampshire & Vermont
Cathy is President, Citizens Bank, New Hampshire and Vermont and a member of the Executive Leadership Council. Schmidt joined Citizens in July 2002 as Executive Vice President and Retail Banking Director in Massachusetts. Before joining Citizens, Schmidt was a regional manager at M&T Bank in Rochester, N.Y. Schmidt is a cum laude graduate of Boston College, where she received a Bachelor of Arts in Economics and Psychology.
ROBERT E. SMYTH
President, Citizens Bank, Massachusetts
Bob is President, Citizens Bank, Massachusetts and a member of the Executive Leadership Council. Smyth is Citizens’ Senior Executive for Massachusetts with responsibility for the coordination of all business lines in the state and particular focus on leading the Commercial Banking business in Massachusetts in addition to New Hampshire, Vermont and Maine. As Massachusetts market leader, he also oversees local sponsorships, grants and community relations. He is also responsible for Government Banking nationally and the Wealth Management business of Citizens. Bob sits on the boards of directors of Children’s Hospital Boston, Northeastern University, Jobs for Massachusetts, the Boston Private Industry Council and the Boston History Collaborative. He is an executive board member of the Greater Boston Chamber of Commerce. Smyth also co-chairs the Commonwealth Housing Task Force Initiative, and is a member of the Chief Executives Club of Boston and the Boston Economic Club. Smyth is a graduate of Adelphi University in Garden City, N.Y., where he received an M.B.A. in management and finance. He is also a graduate of Mount St. Mary’s College in Emmitsburg, Md., where he received a Bachelor of Science degree.
RANDALL G. STICKLER
President, Charter One, Ohio
Randy Stickler is President, Charter One, Ohio. Charter One is a division of RBS Citizens, N.A, which is a subsidiary of Citizens Financial Group, Inc., a commercial bank holding company headquartered in Providence, R.I. CFG's corporate parent is RBS (The Royal Bank of Scotland Group plc). Stickler brought his more than 20 years of banking experience to Charter One when he was hired in 2005 as Director of Commercial Banking to build commercial banking services for customers throughout Ohio. He was named state President in February 2008. Prior to joining Charter One, Stickler was senior vice president of development and chief financial officer for a local, privately held retail development and ownership company, where he was involved in all aspects of commercial real estate, including ownership, development and management. Stickler earned his B.B.A. and M.B.A. from Kent State University in Kent, Ohio. He serves on the boards of the Cleveland Bar Foundation and West Side Ecumenical Ministry. He also volunteers for his church, Harvest for Hunger and United Way. He is in the Leadership Cleveland Class of 2008.
SCOTT C. SWANSON
President, Charter One, Illinois
Scott is President, Charter One, Illinois and a member of the Executive Leadership Council. Swanson joined Charter One following 17 years at JPMorgan Chase and its predecessors, including American National Bank. Swanson is vice chairman of the Eleanor Foundation and the Adler Planetarium, and serves on the board of directors of After School Matters, Chicagoland Chamber of Commerce and LISC Chicago. He is also an active member of the Chicago 2016 Committee, Economic Club, Executives' Club of Chicago, The Commercial Club of Chicago and is a trustee of Neighborhood Housing Services of Chicago. Swanson has served as chairman of the Chinese American Service League's annual corporate dinner, emcee for the Chicagoland Chamber of Commerce's Daniel H. Burnham awards dinner, and consecutively co-chaired Spanish Coalition for Jobs' annual corporate gala. Swanson received his M.B.A. from the University of Chicago, where he graduated with honors. He is also a graduate of the University of Illinois, where he received a Bachelor of Science in finance.
MARIA TEDESCO
Group Executive Vice President and Executive Director of the Retail Branch Banking Group
Maria P. Tedesco is a Group Executive Vice President & Executive Director of the Retail Branch Banking Group at Citizens Financial Group, Inc. Tedesco is responsible for overseeing 1,066 traditional branches across the CFG franchise. Tedesco joined Citizens Bank of Massachusetts in 1994. She was responsible for building the New England In-Store Franchise, which began with a pilot of eight branches to a successful in-store network to more than 130 branches in three states. She graduated from Ithaca College in New York with a Bachelor of Science degree in finance, then went on to obtain her M.B.A in from Northeastern University in Boston. She also attended Harvard University’s Radcliffe Institute for Advanced Study in Leadership. Tedesco is a member of the board of directors of the YMCA of Metropolitan Chicago and has also served on the boards of Big Sisters of Massachusetts and the Thatcher School, where she was chairwoman of the diversity committee.
HAL R. TOVIN
Group Executive Vice President and Managing Director of CFG’s Retail Partnership Delivery Group
Hal is responsible for executive leadership and strategic oversight of the non-traditional retail branch delivery program at Citizens Financial Group. This includes direct management of the in-store banking franchise across the 13-state Citizens Bank-Charter One footprint, as well as the development of new strategic non-traditional branching and marketing programs for future growth. Tovin is a graduate of Brown University and has an M.B.A. from the Wharton School of Business. He is a trustee and chairman of the marketing committee and a member of the finance committee at the Boston Museum of Science. He is also a board member of Peace Games and former chairman of the board of the Boston Ad Club. He has held previous board positions with the United Way of Hartford and the Jewish Federation of Rhode Island.
STEPHEN R. WOODS
Executive Vice President and Director of Mid-Corporate Banking
Steve Woods is Executive Vice President and Director of Mid-Corporate Banking at Citizens Financial Group, Inc. He also is a member of CFG's Executive Leadership Council, the company's senior leadership team. CFG's nationwide Mid-Corporate Banking effort, serving corporate customers with annual sales of $500 million to $2 billion, has offices principally located in the Northeast, Mid-Atlantic and Midwest. Woods joined Citizens with 25 years of experience in corporate banking. As recently as January 2006, he was Key Corp's National Sales Executive responsible for a nationwide commercial banking effort, overseeing 29 offices from Boston to Seattle, more than 400 people and $25 billion in loan commitments. Prior to this, Woods managed Key's nationwide consumer investment banking business. Woods is a graduate of Trinity College, where he received a Bachelor of Arts in economics.
NEW ENGLAND REGION - Presidents
RICHARD BARRY
President, Citizens Bank, Connecticut
JOSEPH J. MARCAURELE
President, Citizens Bank, Rhode Island
CATHLEEN SCHMIDT
President, Citizens Bank, New Hampshire & Vermont
ROBERT E. SMYTH
President, Citizens Bank, Massachusetts
MID-ATLANTIC REGION - Presidents
ROBERT M. CURLEY
President, Citizens Bank, New York
DANIEL K. FITZPATRICK
President and CEO for Eastern Pennsylvania, Delaware and New Jersey
RALPH J. PAPA
Chairman, Citizens Bank of Pennsylvania
MIDWEST REGION - Presidents
RANDY G. STICKLER
President, Charter One, Ohio
SANDRA E. PIERCE
President, Charter One, Michigan & Indiana
SCOTT SWANSON
President, Charter One, Illinois
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