RBS Citizens Financial Group, Inc.
Leadership Team
Executive Committee
Ellen Alemany
Head of RBS Americas and Chairman and Chief Executive Officer of RBS Citizens Financial Group, Inc.
 Ellen Alemany is Head of RBS Americas and Chairman and Chief Executive Officer of RBS Citizens Financial Group, Inc. She is also a member of the Royal Bank of Scotland Group’s Executive Committee, RBS’s nine-member executive leadership team.
RBS Americas includes a broad range of commercial banks and businesses, including RBS Citizens Financial Group -- Citizens Bank, Charter One, RBS Card Services and RBS Asset Finance -- RBS Global Banking and Markets Americas, Global Transaction Services Americas, and RBS Citizens Business Services.
Ms. Alemany was named the fourth most powerful woman banker in the United States by American Banker Magazine in October 2012. Forbes magazine has also named her one of the World’s 100 Most Powerful Women, and the Foreign Policy Association awarded her their Corporate Social Responsibility Award for her leadership and commitment to community service and social responsibility. She was also honored in 2010 by the Connecticut Women’s Hall of Fame as a Notable Woman in Business.
Ms. Alemany joined RBS Americas in 2007 from Citigroup, where she served as the CEO of Global Transaction Services, one of Citigroup’s 12 publicly reported product lines, operating in 100 countries.
She joined Citibank in 1987 and held various positions including Executive Vice President for the Commercial Business Group, which includes CitiCapital, the Commercial Markets Group and the Commercial Real Estate Group. CitiCapital, where she also served as President and CEO, was the second-largest bank-owned leasing company in North America. Ms. Alemany also held a number of executive positions in Citigroup’s Global Corporate Bank, including Customer Group Executive of North American Markets, Global Industry Head of Media and Communications, and U.S. Industry Head of Consumer Products, before being appointed Executive Vice President of Citibank and Customer Group Executive for the Global Relationship Bank in Europe, based in London, in 1999. She also served as Chairman and CEO for Citibank International plc, Citibank’s European bank; Country Corporate Officer for the United Kingdom; and member of the Board of Citibank, N.A. Ms. Alemany began her banking career at Chase Manhattan, where she worked from 1977 until 1987.
Ms. Alemany chairs the boards of directors of RBS Citizens Financial Group, Inc. and RBS Citizens, N.A. In addition, she currently serves as Treasurer and an Executive Committee Member of the board of directors of the Financial Services Roundtable and as a board member of the Clearing House Payments Company. From 2008 through 2010, she served on the Federal Advisory Council as First District Representative, directly consulting with and advising the Board of Governors of the Federal Reserve System. She was elected a director of Automatic Data Processing, Inc. in 2011.
Committed to community service and corporate social responsibility, Ms. Alemany serves on the boards of the Center for Discovery, the National Constitution Center, Harvard Undergraduate Women in Business and the Committee for Economic Development (CED). She is a member of the Providence College Business Advisory Council.
In May 2011, Ms. Alemany received an Honorary Doctor of Business Administration degree from Bryant University for her industry leadership and exemplifying “what being excellent in the world of commerce means.” She received her M.B.A. from Fordham University in 1980.
David Bowerman
Vice Chairman, Head of RBS Citizens Business Services
David Bowerman is Vice Chairman, Head of RBS Citizens Business Services with responsibility for Operations, Technology, Property, Procurement and Security across RBS entities in the Americas. Under his leadership, Bowerman oversees strategic investments in technology and new ways of working that will drive value and efficiency, resulting in a better customer experience and improved collaboration across RBS Citizens Financial Group.
Previously, Bowerman was Managing Director, U.K. and European Operations, with responsibility for eight Business Services operations and a staff of 21,000 supporting RBS's income-generating divisions.
Bowerman joined NatWest Bank in 1982. During his years with RBS, he has undertaken a range of retail and corporate roles. He gained extensive experience and built a wide portfolio of successes in leading and implementing significant cultural change and organizational strategies.
Bowerman is a fellow of the Chartered Institute of Bankers in Scotland. He was educated in England and attended Harvard Business School's Advanced Management Program. Bowerman currently serves on the board of the Institute for the Study and Practice of Nonviolence, in Providence, R.I.
Michael Cleary
Group Executive Vice President, Head of U.S. Distribution, Consumer Banking
Michael Cleary is Group Executive Vice President and Head of U.S. Distribution for Consumer Banking. He is responsible for Retail Branches, Business Banking, Wealth Management, Online and Mobile Banking, Contact Center, ATM, and Distribution Planning and Distribution Support.
Before joining RBSCFG in 2012, Cleary spent 13 years with JPMorgan Chase in diverse leadership roles, including member of the JPMorgan Executive Committee, CEO of Business Banking, Chief Marketing Officer and Chief Operating Officer for Retail Banking, Head of Chase Private Client and President of WingspanBank.com. His accomplishments include obtaining a designation of #1 SBA lender for all of JPMorgan, launching a mass affluent offering, forming the Consumer Internet Group, leading the rebranding of Washington Mutual and the associated technology conversion for all JPMorgan, and several bank mergers.
Cleary serves as a member of RBSCFG’s Consumer Banking Executive Committee. He holds an M.B.A. from Dartmouth’s Tuck School of Business and a B.S. from Princeton.
Brad L. Conner
Vice Chairman, Consumer Banking, RBS Citizens Financial Group, Inc.
Brad Conner is Vice Chairman of the Consumer Banking Division at RBS Citizens Financial Group, Inc. He is responsible for Retail Banking, Business Banking, Wealth Management, Home Lending, Auto Finance and Education Finance, as well as the Consumer Phone Bank and online channels.
Conner is a member of RBSCFG’s Executive Committee and the RBS Americas Management Committee.
Before joining RBSCFG in 2008, Conner was President of JP Morgan Chase & Co.’s Home Equity and Mortgage Home Loan Direct business. He previously oversaw the combined home equity business of Chase and Bank One after the companies merged in 2004, and served as CEO of Chase’s Education Finance businesses. In his 12 years at Bank One/Chase, Conner played a key leadership role in the growth and evolution of the company’s mortgage and home equity businesses.
Conner serves as a director for the Rhode Island Public Expenditure Council. He is treasurer of the board of trustees of the Dave Thomas Foundation for Adoption and serves on its audit committee and its Committee for Institutional Advancement. He is also a member of the Consumer Bankers Association board of directors.
A native of St. Louis, Conner has a B.A. and M.B.A. from the University of Arkansas.
John Fawcett
Chief Financial Officer, RBS Citizens Financial Group, Inc. and RBS Americas
John Fawcett is Chief Financial Officer for RBS Americas and RBS Citizens Financial Group, Inc. He is responsible for creating the financial framework and functional organization to support the development and expansion of The Royal Bank of Scotland Group's businesses in North America and Latin America. Fawcett's functional responsibilities include financial planning and analysis, financial reporting, accounting policy, tax, treasury and the establishment of a capital resource allocation model.
He also has an administrative oversight role for internal audit activities in RBS Americas. He works with senior colleagues to provide financial leadership in determining strategic business direction as well as financial strategies and synergies for the entire RBS Americas footprint.
Fawcett joined RBS Americas from Citigroup, where he most recently served as Chief Financial Officer for the Global Transaction Services business. Fawcett has a B.S. in accounting and an M.B.A. in finance from St. John's University. He also is a CPA.
Sheldon Goldfarb
Chief Legal Officer, RBS Citizens Financial Group, Inc.
General Counsel, RBS Americas
Sheldon Goldfarb is the RBS Americas General Counsel, managing an integrated legal function of 70 lawyers. He serves as the chief legal advisor for RBS Citizens Financial Group and its Markets and International Banking businesses in the Americas. He counsels the company’s executives and provides strategic leadership to the management of legal risk.
Prior to assuming his current position, Goldfarb was Managing Director and General Counsel of RBS Greenwich Capital, a position he had held since 1994. There he built Legal, Compliance, Government Relations and Corporate Communications functions. As a member of senior management, he led the firm through two acquisitions and a period of tremendous growth and diversification.
Goldfarb earned his B.A. from Binghamton University and a J.D. cum laude from Syracuse University College of Law.
Susan LaMonica
Director of Human Resources, RBS Americas and RBS Citizens Financial Group, Inc.
Susan LaMonica is Director of Human Resources for RBS Americas and RBS Citizens Financial Group, Inc. She and her team provide HR support to RBS's businesses in the United States, including the Retail and Commercial Division, Business Services, M&IB and Group Central Functions.
Prior to joining RBSCFG in 2011, LaMonica held senior leadership roles at JP Morgan Chase. As managing director and HR executive of the Investment Banking and Global Markets Division of JP Morgan, she led a team of 200 that served 22,000 employees globally. Prior to that, as Retail and Commercial Banking HR executive at Chase Manhattan, LaMonica supported 45,000 employees with a team of 500. As head of Development globally, she had responsibility for talent and performance management, leadership development, training, diversity and work life, and organizational change.
Prior to joining Human Resources, LaMonica held a variety of positions in the business, including roles in branch banking and FX operations and technology. She serves as councilwoman in Allendale, N.J., and is active in a number of not-for-profit boards as well as at her alma mater, Boston College.
Robert D. Matthews, Jr.
Vice Chairman, Commercial Banking, RBS Citizens Financial Group, Inc.
Robert Matthews is Vice Chairman of RBS Citizens Financial Group, Inc., with responsibility for the firm's Commercial Banking business lines. These include relationship groups focused on small business, middle market and mid-cap commercial and industrial customers, and not-for-profits and government entities. Additionally, he has responsibility for specialized areas including Commercial Real Estate, Franchise Finance, Capital Markets and Debt Syndication, Interest Rate Derivatives and Foreign Exchange, Treasury Solutions and Citizens Bank's equipment finance and leasing business.
He oversees the state presidents who represent the RBSCFG franchise in its 12 states under the RBS Citizens, Citizens Bank and Charter One brands, and he has responsibility for the firm's CRA activities.
Matthews is a member of RBSCFG's Board of Directors and serves as Vice Chairman of the Citizens Charitable Foundation Board.
Prior to assuming his current position, Matthews was responsible for Commercial Enterprise Banking, Middle Market and Mid-Corporate coverage groups. He joined RBS Americas' leadership team in 2007 from Citigroup, where he had been Executive Vice President and Head of U.S. Commercial and Middle Market Banking. He has worked internationally for 17 years, holding a number of senior leadership positions in Asia and Latin America.
Matthews received a bachelor's degree in economics from Harvard College.
Theresa McLaughlin
Group Executive Vice President, Chief Communications and Marketing Officer, RBS Citizens Financial Group, Inc.
Theresa McLaughlin is Group Executive Vice President of RBS Citizens Financial Group, Inc., responsible for company-wide marketing, public relations, government relations, corporate giving, communications and customer experience. This includes customer insights, public policy, internal communications, product and segment marketing, direct and online marketing, and the execution of the company's brands: Citizens Bank, Charter One and RBS Citizens.
McLaughlin is a member of RBSCFG’s Executive Committee. Under her leadership, RBSCFG advertising has been recognized twice by the American Marketing Association for effectiveness through the Effie awards. Time magazine named the “Car Park” Citizens Bank television commercial the 10th best TV ad in the nation in its “Top 10 Everything of 2011.” RBS Citizens has been recognized numerous times for its work in the community. Honors include the Distinguished Corporate Citizenship Award in New Hampshire and the Rhode Island Community Food Bank Leadership Award. In addition, McLaughlin’s work for a nonprofit, Horizons for Homeless Children, won an Emmy.
McLaughlin, who has a degree in marketing, has been a financial services marketing professional for more than 20 years. She has been a keynote speaker for the European Financial Services Marketing Association and other industry groups. She is currently on the advisory board of directors of the Greater Boston Food Bank and has served on the board of directors of Horizons for Homeless Children and as a vice chairwoman of the United Way giving campaign and the Boston Ad Club.
Robert Nelson
Chief Administrative Officer and Head of Strategy, RBS Citizens Financial Group, Inc.
Robert Nelson is Chief Administrative Officer and Head of Strategy of RBS Citizens Financial Group, Inc.
In his current role, Nelson drives the development and implementation of the company's strategic plans and works closely with the other members of the senior leadership team to further enhance RBSCFG's business performance.
He also oversees three functional areas: Legal, Corporate Affairs and Human Resources.
Nelson joined RBS Citizens Financial Group, Inc. from Citigroup, where from 2007 to 2010 he was responsible for Citi's Consumer Bank M&A activities globally.
A graduate of Bucknell University, he is a Certified Public Accountant.
Brian O’Connell
Regional Director, Technology Services (TS) Americas, RBS Citizens Financial Group, Inc.
Brian O’Connell is Regional Director, Technology Services (TS) Americas, RBS Citizens Financial Group, Inc. He is responsible for the design, development and implementation of technology across the Americas.
Before joining RBS in 2012, O’Connell most recently was an independent consultant working with companies in such industries as private equity, software and insurance. Prior to that, he was the Chief Information Officer at The Hartford Insurance Group, where he had responsibility for all technology functions across the company. O’Connell has also held several sales positions in both IT and insurance.
He holds a bachelor’s degree in economics from Boston College.
Nancy Shanik
Group Executive Vice President, Chief Risk Officer, RBS Citizens Financial Group, Inc.
Nancy Shanik is the Chief Risk Officer for RBS Citizens Financial Group, Inc. She is responsible for overseeing the risk management organization within RBSCFG, including its vision, strategy development and execution and day-to-day operations. She is a member of the RBS Citizens Financial Group Executive Committee, as well as the RBS Americas Risk Committee and the RBS Group Risk Board.
Shanik joined RBSCFG from Alvarez & Marsal in New York, where she was a managing director. She has developed broad-based and hands-on leadership, management and restructuring experience throughout her diverse career.
Shanik earned an M.B.A. from Tulane University Graduate School of Business with concentrations in corporate finance and accounting, and a bachelor's degree cum laude in marketing and communication theory from the University of Vermont. She also attended the Stanford University Executive Program.
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