Citizens 金融 CFG

Mr. Van Saun joined the Company as Chairman and CEO in October 2013 and also serves on the board of our primary subsidiary Citizens Bank, N.A. (CBNA).Mr. Van Saun currently serves on the board of directors of Moody's Corporation (since 2016). He also serves on The Clearing House Supervisory Board (since 2013), the board of the Bank Policy Institute (since 2025), the board of the Partnership for Rhode Island, and the board of our primary subsidiary, Citizens Bank, N.A. . Previous directorships held by Mr. Van Saun in both the United Kingdom and United States include the Federal Reserve Bank of Boston (from 2019 to 2022), the Federal Advisory Council (from 2016 to 2018), the National Constitution Center (from 2015 to 2019), Lloyds of London (from 2012 to 2016), Direct Line Insurance Group plc (from 2012 to 2013), and Worldpay (from 2011 to 2013). He also served as a rotating board member at the Bank Policy Institute (from 2018 to 2024).Mr. Van Saun received a B.S. in Business Administration from Bucknell University in 1979 and an M.B.A. in Finance and General Management from the University of North Carolina in 1983. Career Highlights -2013 to present Chairman and Chief Executive Officer, Citizens Financial Group, Inc.2009 to 2013Finance Director and member of the board of directors, The Royal Bank of Scotland Group pl1997 to 2008Vice Chairman and Chief Financial Officer, prior to which he held other senior positions, The Bank of New York MellonPrior to 1997Held senior positions at Deutsche Bank, Wasserstein Perella Group, and Kidder Peabody & Co.

Brendan Coughlin, age 46, has served as President and Head of Consumer, Private Banking and Wealth of Citizens Financial Group, Inc. and CBNA, since April 2025, with responsibility for the business across the U.S. This includes retail banking, deposits, credit and debit card, digital channels, consumer lending, mortgage, business banking, private banking, wealth management, Citizens Access, Citizens Pay, Enterprise Marketing, and Enterprise Data & Analytics. Mr. Coughlin has been with Citizens for more than 20 years and has held numerous positions in Consumer Banking product management and consumer finance before being named President of Consumer Lending in June 2015, and Head of Consumer Banking in January 2020, and Vice Chair in May 2023. Prior to joining Citizens, Mr. Coughlin worked at Bank of America and FleetBoston Financial in a variety of business areas, including corporate strategy, mortgage product management, and retail distribution/M&A. He actively represents the Company on the board of the Consumer Bankers Association. He previously served on the board of directors of uAspire, a national nonprofit aimed at increasing access to higher education among inner-city youth. Mr. Coughlin holds a Bachelor's degree in finance and marketing from Boston College, and a Master of Business Administration from Babson College.

Donald H. McCree III, age 64, has served as Chair of Commercial Banking, since October 2025. He previously served as Head of Commercial Banking since August 2015, and served as Senior Vice Chair from 2024 to October 2025. He is responsible for all aspects of Corporate and Investment Banking, including Commercial Lending, Commercial Real Estate, Capital Markets & Advisory, Asset Finance, Treasury Solutions, Underwriting & Portfolio Management, and Enterprise Payments. Prior to joining Citizens Financial Group, Inc. and CBNA, Mr. McCree served in a number of senior leadership positions over the course of 30 plus years at J.P. Morgan Chase & Co. and its predecessor companies. He serves on the University of Vermont Board of Trustees and University of Vermont Foundation Board of Directors. He is also a Trustee of the National Constitution Center in Philadelphia. Mr. McCree holds a Bachelor of Arts from the University of Vermont.

On August 12, 2025, Citizens Financial Group, Inc. announced the appointment of Aunoy Banerjee as Executive Vice President and Chief Financial Officer.Aunoy Banerjee, age 47, joined the Company in October 2025, as Executive Vice President and Chief Financial Officer of Citizens Financial Group, Inc. and CBNA, with responsibility for the Financial Planning and Analysis, Business Line Finance Groups, Controller, Investor Relations, Treasury, Tax, and Capital Management functions, as well as Property & Procurement. Prior to joining Citizens, Mr. Banerjee served as Chief Financial Officer of Barclays Bank PLC between April 2024 and October 2025. Prior to Barclays, he served in a number of senior roles at State Street Corporation over eight years, most recently as Head of Investments & Third Party Partnerships and Chair of State Street India. He also served as Chief Transformation Officer and prior to that ran Corporate FP&A and oversaw the Chief Financial Officer functions within its business units. He previously spent 11 years at Citi in several roles, including Business Unit Chief Financial Officer for Capital Markets and Securities Services, Finance Head of CCAR and Head of Corporate Forecasting and Planning. He began his professional career at General Electric as part of its Finance Management Leadership Program. He holds a Master of Business Administration degree from the University of Rochester Simon School of Business and a Bachelor of Science degree from St. Stephen's College at the University of Delhi.

Theodore Swimmer, age 57, was appointed Executive Vice President and Head of Commercial Banking of Citizens Financial Group, Inc. and CBNA, in October 2025, with responsibility for all aspects of Corporate and Investment Banking, including Capital Markets & Advisory, Middle Market Banking, Commercial Real Estate, and Underwriting & Portfolio Management. Within Commercial Banking, Mr. Swimmer also oversees Risk Management, Loan Operations, and Strategy. He also has responsibility for the company's network of State Presidents and Region Executives, who represent Citizens in multiple states that make up its footprint. Prior to his appointment as Head of Commercial Banking, Mr. Swimmer served as Head of Capital Markets & Advisory at Citizens from 2017 to October 2025, and Head of Capital Markets from 2010 to 2017. Prior to joining Citizens, Mr. Swimmer held various positions at Wachovia Corp. from 1998-2009, including Head of Leveraged Finance, Loan Syndicate and Sales, and Managing Director originating leveraged loans and bonds. Mr. Swimmer currently serves on the Board of the Wake Forest School of Business. Mr. Swimmer holds a Bachelor of Arts in Economics and History from Lafayette College, and a Master of Business Administration in Finance from Columbia University.

Mr. Kelly serves on the Board of Dollar Tree, Inc. (since 2022) where he is non-executive Chairman. He previously served on the board of MetLife, Inc. (from 2015 to June 2025), and as Chairman of the board of directors at CSX Corporation until January 2019, and on the board of XL Catlin (from 2014 to 2018). He also serves on the board of our primary subsidiary CBNA. Career Highlights 2011 to 2014 (Retirement) Chairman, Citigroup Inc.'s Institutional Clients Group 2008 to 2011 Held senior positions at Citigroup including as Chairman of Global Banking (from 2010 to 2011), Chief Financial Officer (during 2009), Head of Global Banking (from 2008 to 2009), and President and Chief Executive Officer of Citi Alternative Investments (during 2008) 2007 to 2008 Managing Director, The Carlyle Group 2001 to 2007 Vice Chairman, PNC Financial Services Group, following PNC's 2007 acquisition of Mercantile Bankshares Corporation, which he joined as President and Chief Executive Officer in 2001 before also being appointed Chairman in 2003 Prior to 2001 Held various positions at J.P. Morgan including managing director within the investment banking business, and General Counsel and Secretary, prior to which he was Partner at the law firm of Davis Polk & Wardwell .Mr. Kelly received his J.D. from the University of Virginia School of Law in 1981 and B.A. from Princeton University in 1975.

Ms. Cumming currently serves on the board of MIO Partners, Inc. (since 2018). She previously served on the boards of the Financial Accounting Foundation (from 2016 to 2020), and the American Family Insurance Mutual Holding Company (from 2016 to 2025). Ms. Cumming is an adjunct professor at Columbia University and serves as a trustee of the Columbia-Greene Community College Foundation (since 2022). She also serves on the board of our primary subsidiary CBNA. Career Highlights 2004 to 2015 (Retirement) First Vice President (2nd highest ranking officer), Chief Operating Officer and an alternate voting member of the Federal Open Market Committee, Federal Reserve Bank of New York 1999 to 2003 Executive Vice President and Director for the Research and Market Analysis Group, Federal Reserve Bank of New York 1994 to 1999 Senior Vice President for the Bank Supervision Group, Federal Reserve Bank of New York. Ms. Cumming holds both a B.S. and Ph.D in economics from the University of Minnesota.

On February 16, 2024, Citizens Financial Group, Inc. announced that on February 15, 2024 its board of directors appointed Tracy A. Atkinson to the Company's Board effective March 1, 2024. Ms. Atkinson serves on the board of RTX Corporation (formerly Raytheon Technologies) (since 2014). She previously served on the boards of Affiliated Managers Group (from 2020 to 2024), and United States Steel Corporation (from 2020 to June 2025). She also serves on the board of our primary subsidiary CBNA. Ms. Atkinson is a Certified Public Accountant and received a bachelor's degree in accounting from the University of Massachusetts. Career Highlights 2019 to 2020 Executive Vice President and Chief Administrative Officer, State Street Corporation 2017 to 2019 Executive Vice President, Chief Compliance Officer and Head of Operational Risk, State Street Corporation 2010 to 2017 Executive Vice President, Finance, and Treasurer (from 2016), State Street Corporation 2008 to 2010 Executive Vice President and Chief Compliance Officer, State Street Corporation (from 2009 to 2010), and as Executive Vice President and Chief Compliance Officer, State Street Global Advisors (from 2008 to 2009) Prior to 2008 Served in various leadership positions at MFS Investment Management, and as a Partner at PricewaterhouseCoopers

Mr. William P. Hankowsky, 2003 to 2020 Chairman, President and Chief Executive Officer of Liberty Property Trust, 2002 to 2003 President, Liberty Property Trust, 2001 to 2002 Chief Investment Officer, Liberty Property Trust and 1990 to 2001 President, Philadelphia Industrial Development Corporation. Mr. Hankowsky is a Senior Advisor to the Alterra Property Group and President of Wayne Avenue Enterprises, LLC. He currently serves on the Investment Committee of High Real Estate Group, LLC (since September 2023), the Delaware River Waterfront Corporation, Greater Philadelphia Chamber of Commerce, Philadelphia Convention and Visitors Bureau, Pennsylvania Academy of the Fine Arts, Philadelphia Shipyard Development Corporation, the Wetlands Institute, and the Philadelphia Foundation. He also serves on the board of our primary subsidiary CBNA. Mr. Hankowsky previously served on the board of Aqua America, Inc. (from 2004 to 2019). Mr. Hankowsky received a B.A. in economics from Brown University. Mr. Hankowsky will retire after his current term expires at the conclusion of the Annual Meeting effective on April 23, 2026.

Mr. Alexander currently serves as the Executive Vice President and Chief Information Officer for The Clearing House and is responsible for directing and coordinating all technology and operations across the company. Mr. Alexander also serves on the board of our primary subsidiary CBNA. Career Highlights 2018 to Present Executive Vice President and Chief Information Officer, The Clearing House 2015 to 2018 Executive Vice President, Chief Information Officer, Head of the Technology Group, and member of Management Committee, Federal Reserve Bank of New York 2012 to 2015 Senior Vice President, Head of Application Development, Federal Reserve Bank of New York. Mr. Alexander holds a B.Sc. in Computing Science and an M.B.A. from the University of Glasgow in Scotland.

Mr. Lillis currently serves on the board of Wellabe Mutual Holding Company (since 2020), the Simpson College Board of Trustees, and the Command and General Staff College Foundation Board of Trustees. He previously served on the boards of MercyOne Des Moines Medical Center (from 2016 to June 2025), and American Enterprise Mutual Holding Company (from 2020 to 2024). Mr. Lillis also serves on the board of our primary subsidiary CBNA. He is a member of the American Academy of Actuaries and a Fellow of the Society of Actuaries. 2008 to 2017 (Retirement) Chief Financial Officer, Principal Financial Group, Inc. 1982 to 2008 Joined Principal Financial Group, Inc. as an actuarial student, and held various senior actuarial, risk management, and product-pricing roles. Mr. Lillis received a bachelor's degree from Simpson College after serving in the U.S. Army in the Republic of Korea, and an M.S. degree in actuarial science from the University of Iowa in 1982.

Mr. Leary currently serves as a Senior Advisor to LeapFrog Investments (since 2022). He currently serves on the board of Intact Financial Corporation (since 2015), a major insurer publicly listed in Canada and Voya Financial, Inc. (since January 2024). He also serves as Board Chair of Arrow Global Group Ltd. (since January 2024), and Wilton Re Ltd. (since January 2023), which is owned by the Canadian Pension Plan Investment Board, and on the advisory board of RMG Acquisitions III. In addition, Mr. Leary serves on the non-profit boards of the National Forest Foundation, the Center for Climate and Energy Solutions, and the Friends of Acadia (National Park). He previously served on the board of RSA Group plc, a subsidiary of Intact (from 2021 to 2023) and as an advisor to The Council Advisors, a business consulting consortium. Mr. Leary also serves on the board of our primary subsidiary CBNA. Career Highlights 2017 to 2019 Chief Executive Officer, The Olayan Group 2014 to 2017 Chief Executive Officer, Nuveen and TIAA Global Asset Management 2013 to 2014 President, Asset Management, TIAA 2007 to 2012 Served in executive roles at ING including as Chief Executive Officer of ING Investment Management Americas and ING Insurance U.S. Prior to 2007 Served in leadership roles at J.P. Morgan & Co. and AIG Financial Products, prior to which he was an attorney at law firm of White & Case. Mr. Leary holds a bachelor's degree in political science from Union College and a law degree from Fordham University.

Mr. Cummings joined our Board in 2022 upon the closing of the acquisition of Investors Bancorp, Inc. where he previously served as Chairman and Chief Executive Officer. He is the former Chairman of the Board of the New Jersey Bankers Association and sits on the Board of Trustees of the Scholarship Fund for Inner-City Children. In addition, he is chair of the board of Greater Trenton. Mr. Cummings is a trustee of the Investors Charitable Foundation and the Citizens Philanthropic Foundation. He also serves on the board of our primary subsidiary CBNA. Mr. Cummings previously served on the board of the Federal Home Loan Bank of New York (from 2014 to 2022). Career Highlights 2018 to 2022 (Retirement) Chairman and Chief Executive Officer, Investors Bancorp, Inc. and Investors Bank 2008 to 2018 President and Chief Executive Officer, Investors Bancorp and Investors Bank 2003 to 2008 Executive Vice President and Chief Operating Officer, Investors Bank Prior to 2003 Spent 26 years at KPMG LLP, serving as a Partner for 14 years. Mr. Cummings is a certified public accountant, has a bachelor's degree in economics from Middlebury College, and a master's degree in business administration from Rutgers University.

Ms. Siekerka joined our Board in 2022 upon the closing of the acquisition of Investors Bancorp, Inc., which she joined the board of in 2013 upon the consummation of Investors Bancorp's acquisition of Roma Financial Corporation where she served as Board Chair. Ms. Siekerka serves on the board of the New Jersey Innovation Institute, Junior Achievement of New Jersey, Focus NJ, where she serves as Chair, the National Association of Corporate Directors (NACD) NJ Chapter, the National Association of Manufacturers, and the Conference of State Manufacturing Associations where she is Chair and an Executive Committee member. She also serves on the board of our primary subsidiary CBNA. She previously served on the Board of Choose New Jersey (until 2024). Career Highlights 2014 to Present President and Chief Executive Officer, New Jersey Business and Industry Association 2010 to 2014 Served as Assistant Commissioner before becoming Deputy Commissioner, New Jersey Department of Environmental Protection 2004 to 2010 President and Chief Executive Officer, Mercer Regional Chamber of Commerce Prior to 2004 Served in roles including Vice President of Human Resources and Senior Counsel, AAA Mid-Atlantic, and as President and former member of the Robbinsville Township Board of Education. Ms. Siekerka received a bachelor's degree from Rutgers University and a law degree from Temple University School of Law. She also holds the NACD Directorship Certification and is a designated NACD Board Leadership Fellow.

On September 20, 2024, Citizens Financial Group, Inc. issued a press release announcing that on September 19, 2024 its board of directors appointed Claude E. Wade to the Company's Board effective March 1, 2025. Mr. Wade joined our board on March 1, 2025. He also serves on the board of our primary subsidiary CBNA. He previously served on the boards of Metro Atlanta Chamber of Commerce Executive (from 2019 to 2021), the Georgia Research Alliance (from 2020 to 2021), and the Woodruff Arts Center (from 2020 to 2021). Career Highlights 2021 to Present (expected retirement March 31, 2026) Executive Vice President, Chief Digital Officer, Global Head of Operations and Claims, AIG, Inc. 2017 to 2021 Served as Global Head, Client Experience and Head, Atlanta Innovation Hub and prior to that as Global Chief Operating Officer, Institutional Client Business, BlackRock Inc. 2011 to 2017 Served in various roles at Marsh LLC and Guy Carpenter & Company, both operating subsidiaries of Marsh McLennan, including Chief Operating Officer, Global Risk & Specialties, Chief Operating Officer, U.S. & Canada, and Managing Director and Head, Global Transformation Prior to 2006 Served in various risk, compliance, and strategy roles at Fannie Mae, PNC Financial Services Group, Inc., Prudential Financial, Inc., and Dean Witter Reynolds, Inc. Mr. Wade is a Lean Six Sigma Black Belt & Certified Agile Scrum Master. He received his MBA from New York University, Stern School of Business and his B.A. in finance from Pace University.

Ms. Zuraitis serves as a member of the board of trustees for the American Institute for Chartered Property and Casualty Underwriters, and has served on its executive and compensation committees since 2009. She is a member of the board of directors of CopperPoint (since 2021), a mutual insurance holding company. She also serves on the board of directors of our primary subsidiary CBNA. Ms. Zuraitis is a past chair of the board of trustees for NCCI Holdings, Inc., a provider of workers' compensation data analytics and a past member of the board of Worcester Academy in Worcester, Massachusetts. Career Highlights 2013 to Present Director, President and Chief Executive Officer of Horace Mann Educators Corporation 2004 to 2013 President, Property and Casualty Companies and member of the Executive Leadership Team, The Hanover Insurance Group, Inc. 1998 to 2004 President and Chief Executive Officer, Commercial Lines for The St. Paul Travelers Companies Prior to 1998 Served in underwriting and field management positions with United States Fidelity and Guaranty Company, and Aetna Life and Casualty. Ms. Zuraitis received a bachelor's degree from Fairfield University.

Mr. Swift is on the executive committee and the board of directors of the American Property Casualty Insurance Association. He also serves on the board of Hartford HealthCare (since 2025). He is a member of the Chief Executives for Corporate Purpose, Council on Foreign Relations, and The Geneva Association. He also serves on the board of our primary subsidiary CBNA. Career Highlights 2014 to Present Chairman (since 2015) and Chief Executive Officer, The Hartford Insurance Group, Inc. 2010 to 2014 Executive Vice President and Chief Financial Officer, The Hartford Insurance Group, Inc. 2003 to 2010 Held various senior leadership and finance roles at American International Group, Inc. Prior to 2003 Head of the Global Insurance Industry Practice at KPMG LLP which he joined as a certified public accountant focused on financial services. Mr. Swift holds a bachelor's degree in accounting from Marquette University, where he is also a trustee

Richard Stein, age 56, joined the Company in May 2023 as Executive Vice President and Senior Risk Advisor before being appointed as Chief Risk Officer of Citizens Financial Group, Inc. and CBNA in January 2024. Mr. Stein is responsible for defining and overseeing how we manage credit, market, operational, regulatory, compliance, and model risk at Citizens and for leading the second line of defense risk function. He has more than 28 years of risk, product, and business line experience. Prior to joining Citizens, Mr. Stein held various risk and banking roles at Fifth Third Bancorp between 2014 and 2023, most recently serving since 2018 as Executive Vice President and Chief Credit Officer, where he had responsibility for enterprise-wide credit risk management. Earlier in his career he held risk, product, and relationship management roles at Bank of America from 1998 until 2014, which he joined from Comerica. Mr. Stein holds a Bachelor of Business Administration in Finance from Texas A&M University.

Michael Ruttledge, age 62, is Chief Information Officer and Head of Enterprise Security and Technology for Citizens Financial Group, Inc. and CBNA. He oversees all aspects of the Company's technology and security environment, from customer- and client-facing applications to the people, processes, and infrastructure supporting Citizens' day-to-day business operations. Mr. Ruttledge spearheaded our Next Generation Technology transformation to modernize the Company and deliver personalized, digital solutions for customers. He has delivered a major up-skilling initiative and strong culture of learning through immersive Engineering and Architecture Academies, digital credentialing, and building of critical skills for the future such as AI, Blockchain, Modern API's, and Cloud. Before joining Citizens in 2019, he previously held the position of Unit Chief Information Officer of American Express Co. (from 2013 to 2018). He has more than 20 years of experience in infrastructure and engineering roles within the financial services industry including payments, merchant services, customer service, risk, fraud, banking, and finance. He received a graduate degree in Information Systems from the University of Brighton in the United Kingdom.

Michelle Moosally, age 50, joined the Company in May 2025, as General Counsel and Chief Legal Officer of Citizens Financial Group, Inc. and CBNA. Ms. Moosally is responsible for leading the Legal Department, which includes corporate governance, litigation, client advisory services, regulatory relations, and government relations. Before joining the Company, Ms. Moosally served as the Global Head of Regulatory Relations at Wells Fargo between February 2022 and May 2025, and prior to that she was the General Counsel of Corporate & Investment Banking and Commercial Banking at Santander for 5 years. Ms. Moosally has also worked at JPMorgan Chase, Bear Stearns, and Cadwalader Wickersham & Taft LLP. Ms. Moosally has nearly 25 years of legal experience at large financial institutions and leading law firms. Ms. Moosally is a Trustee of Catholic Charities New York and is Board Co-Chair of City Year New York. Ms. Moosally earned her J.D. from American University's Washington College of Law and her Bachelor of Arts from Dickinson College. She also holds a Master of Arts in Economics and International Relations from the Johns Hopkins University School for Advanced International Studies.

Susan LaMonica, age 64, has been Chief Human Resources Officer of Citizens Financial Group, Inc. and CBNA since 2011 and is responsible for developing and driving people strategies to support Citizens' business plans. She has responsibility for organizational development and culture, leadership and talent development, learning, compensation and benefits, and human resource operations. Her responsibilities also include Corporate Communications and Corporate Affairs, leading the company's overall commitment to the communities it serves. Prior to joining Citizens in 2011, Ms. LaMonica held senior leadership roles at J.P. Morgan Chase including serving as Head of Human Resources for the investment banking and markets division globally, Head of Human Resources for the consumer and commercial banking division, and Global Head of Development for the bank. Before moving into human resources, Ms. LaMonica began her career with Chase Manhattan Bank, holding a number of roles in operations, risk, and retail banking. Ms. LaMonica serves as President of the Board of Oasis, a nonprofit organization that supports women and children, is a member of the Board of Trustees for Saint Joseph's University in Philadelphia, and a member of the national Board of Directors of Year Up United. She previously served on the board of Enhabit, Inc. (from July 2022 to July 2024). She holds a Bachelor of Science in finance from Boston College and an Master of Business Administration in finance from New York University.

Christopher J. Schnirel, age 54, is Chief Accounting Officer and Controller for Citizens Financial Group, Inc. and CBNA. Mr. Schnirel joined the Company in October 2024. Mr. Schnirel's responsibilities include oversight of SEC and Regulatory Reporting, Finance Risk & Sarbanes Oxley, Corporate Insurance, Accounting Operations, Business Line Controllership, and Valuation Control. Prior to Citizens, Mr. Schnirel held positions as a senior accounting executive for more than 12 years at Huntington National Bank. At Huntington, he most recently served as Senior Vice President and Assistant Controller, where he led SEC reporting, regulatory reporting, accounting policy, treasury controllership, and capital markets controllership. Prior to joining Huntington, he held senior accounting positions with HSBC North America. He began his career at PricewaterhouseCoopers LLP. Mr. Schnirel is a Certified Public Accountant and holds a Bachelor of Science in Business Administration and a Master of Business Administration both from the University at Buffalo School of Management, The State University of New York.