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Citizens Financial Group, Inc.
Leadership Team

In Memory of Robert D. Matthews, Vice Chairman of Commercial Banking

Robert Matthews, Vice Chairman of Commercial Banking and a member of the Citizens Financial Group Board of Directors, died unexpectedly on December 19, 2014. Our entire Citizens Financial Group family of colleagues mourns this tragic loss. Please read more.

Executive Committee

Bruce Van Saun
Chairman and Chief Executive Officer of Citizens Financial Group, Inc.

Bruce Van Saun is Chairman and Chief Executive Officer of Citizens Financial Group, Inc.

Van Saun joined CFG in October 2013 after serving since 2009 as RBS Group Finance Director and as an executive director of the RBS Board. He has more than 30 years of financial services experience.

From 1997 to 2008, Van Saun held a number of senior positions with Bank of New York and later Bank of New York Mellon, including Vice Chairman and Chief Financial Officer. Earlier in his career, he held senior positions with Deutsche Bank, Wasserstein Perella Group and Kidder Peabody & Co.

Van Saun is currently a director of Lloyd’s of London, and he previously served on a number of boards in both the United States and the U.K. He is a member of the Financial Services Roundtable and The Clearing House supervisory board. He is also a fellow of the Foreign Policy Association. Van Saun is active in several community organizations.

David Bowerman
Vice Chairman, Head of Citizens Business Services

David Bowerman is Vice Chairman, Head of Citizens Business Services with responsibility for Operations, Technology, Property, Procurement and Security. 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 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 and CFG, 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
Head of U.S. Distribution, Consumer Banking and Group Executive Vice President

Michael Cleary is Head of U.S. Distribution for Consumer Banking and Group Executive Vice President. 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 CFG 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 CFG'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, Citizens Financial Group, Inc.

Brad Conner is Vice Chairman of the Consumer Banking Division at 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 CFG's Executive Committee and the RBS Americas Management Committee.

Before joining CFG 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, Citizens Financial Group, Inc., and RBS Americas

John Fawcett is Chief Financial Officer for Citizens Financial Group, Inc., and RBS Americas. 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.

Stephen T. Gannon
General Counsel and Chief Legal Officer, Citizens Financial Group, Inc.

Stephen T. Gannon is General Counsel and Chief Legal Officer of Citizens Financial Group. He leads the legal function and serves as the chief legal advisor for the company. He counsels the company’s executives and provides strategic leadership to the management of legal risk.

Prior to joining CFG, Gannon served as executive vice president and deputy general counsel for Capital One Financial Corporation. In that role he led a team of 125 attorneys and restructured the legal organization to address changes in the financial sector. In addition, he served as market president for Capital One in central Virginia, coordinating business development, government relations and community activities in the state capital region.

Before Capital One, Gannon was general counsel for Wachovia Securities retail brokerage group. He also served as branch chief in the Division of Enforcement with the U.S. Securities Exchange Commission and as a private practice securities lawyer.

Gannon has held numerous positions within financial industry organizations, including SIFMA, the Financial Services Roundtable and the Clearing House Association. He earned his undergraduate and J.D. degrees from Georgetown University.

Beth Johnson
Head of Corporate Strategy, Citizens Financial Group, Inc.

Beth Johnson is Head of Corporate Strategy for Citizens Financial Group, Inc. She is responsible for partnering with the bank’s business leaders to identify, analyze and assess strategies designed to grow the customer base and improve financial performance. She also works closely with Group Strategy and Corporate Finance on plans for CFG to conduct a partial public offering.

Prior to joining CFG in 2013, Johnson was a senior leader at Bain and Company. She served as a partner and leader of its customer strategy and marketing practice, specializing in financial services. She regularly co-authored Bain’s annual Customer Loyalty in Banking study.

Johnson also held roles at J.P. Morgan and Goldman Sachs, where she focused on fixed income and derivatives products for commercial banking clients as well as risk management. An active member of the community, Johnson serves on Peer Health Exchange’s Boston board of overseers. She earned a bachelor's degree in economics from Northwestern University and an MBA from Stanford University.

Susan LaMonica
Director of Human Resources, Citizens Financial Group, Inc., and RBS Americas

Susan LaMonica is Director of Human Resources for Citizens Financial Group, Inc. and RBS Americas. 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 CFG 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, Citizens Financial Group, Inc.

Robert Matthews is Vice Chairman of 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 CFG 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 CFG'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.

Robert Nelson
Chief Compliance Officer, Citizens Financial Group, Inc.

Robert Nelson is Chief Compliance Officer of Citizens Financial Group, Inc. He oversees a team that is responsible for ensuring that an appropriate risk governance framework is implemented across CFG and that day-to-day compliance risks are adequately managed by the business.

The compliance team works to strengthen CFG's compliance program to meet regulatory requirements while supporting the delivery of the company’s business objectives. Nelson also oversees all regulatory change activities for the bank, including managing the requirements of the Dodd-Frank Reform Act.

From 2010 through most of 2013, Nelson served as CFG’s Chief Administrative Officer and Head of Strategy. He worked with other senior leaders to direct large initiatives aimed at enhancing performance and aligning resources with strategic priorities.

Nelson has more than 25 years of experience in the financial services sector. He joined Citizens Financial Group from Citigroup, where from 2007 to 2010 he was responsible for Citi's Consumer Bank M&A activities globally. For 20 years prior to running Citi’s Consumer M&A activities, he was in the CitiCapital division, most recently as Director of Capital Markets and M&A from 2003 to 2006. Nelson previously held positions at Xerox and KPMG.

A graduate of Bucknell University, he is a Certified Public Accountant.

Brian O’Connell
Regional Director, Technology Services Americas, Citizens Financial Group, Inc.

Brian O’Connell is Regional Director, Technology Services Americas, Citizens Financial Group, Inc. He is responsible for the design, development and implementation of technology across the Americas.

Before joining CFG 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
Chief Risk Officer, Citizens Financial Group, Inc. and Group Executive Vice President

Nancy Shanik is the Chief Risk Officer for Citizens Financial Group, Inc. She is responsible for overseeing the risk management organization within CFG, including its vision, strategy development and execution and day-to-day operations. She is a member of the Citizens Financial Group Executive Committee, as well as the RBS Americas Risk Committee and the RBS Group Risk Board.

Shanik joined CFG 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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