RBS Americas Leadership Team

Ellen Alemany
Head of RBS Americas and Chairman and Chief Executive Officer of Citizens Financial Group, Inc.
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Ellen Alemany is Head of RBS Americas and Chairman and Chief Executive Officer of Citizens Financial Group, Inc. She also is a member of the Royal Bank of Scotland Group’s Executive Committee, which is the RBS Group’s nine-member executive leadership team.

RBS Americas includes Citizens Financial Group, Inc. (operating as Citizens Bank, Charter One, RBS Card Services and RBS Asset Finance); RBS Global Banking & Markets Americas; Global Transaction Services Americas (including RBS’s Cash Management, Commercial Cards, Payment Services and Trade Services); and RBS Citizens Business Services (the company’s operations, technology and properties division). Alemany’s positions make her the only woman responsible for one of the top 13 commercial banking companies in the United States.

In September 2010, Alemany was listed 13th on U.S. Banker’s list of The 25 Most Powerful Women in Banking. In August 2009, Forbes magazine ranked Alemany 57th on its annual list of the World’s 100 Most Powerful Women.

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. Citi’s GTS offers cash management, trade services and finance, and securities and fund services capabilities to corporations, governments and financial institutions in 100 countries.

Alemany 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.

Alemany also held a number of 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 the Customer Group Executive for the Global Relationship Bank in Europe in 1999. Additional roles at Citigroup included 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.

Alemany earned her M.B.A. with a specialization in finance from Fordham University in 1980. She is chairman of the boards of directors of Citizens Financial Group, Inc. and RBS Citizens, N.A., and a member of the boards of directors of The Financial Services Roundtable and The Clearing House Payments Company, a world leader in the payments business that provides payment services for check, electronic check, ACH and wire transfers. From 2008 through 2010, she was the First District Representative on the Federal Advisory Council, directly consulting with and advising the Board of Governors of the Federal Reserve System.

An active member of the community, Alemany serves on the board of the Center for Discovery. She is also a member of the board of trustees of the National Constitution Center and a member of the Providence College Business Advisory Council. Alemany and her husband, Jack, have three children.

Suneel Kamlani
President, Global Banking and Markets
Chairman of GBM Americas
Deputy Head of RBS Americas

In his capacity as President of GBM, Kamlani has global responsibility for GBM's logistics and control functions, including Finance, Risk, Legal, Operations, Technology, Human Resources, and Communications and Marketing. With a seat on the GBM Executive Committee and the RBS Group Management Committee, he plays an integral role in setting business strategy and ensuring that the infrastructure and control environment support that strategy.

Kamlani has more than 25 years of experience in investment banking, most recently as Chief Operating Officer for UBS's Global Investment Bank and as a member of the UBS Group Managing Board. He has served as a member of the SIFMA Europe Board, the Bank of England's Fixed Income Committee and the IIF's Working Group on Crisis Resolution.

Kamlani earned a B.A. in economics and finance from Northwestern University.

David Bowerman
Vice Chairman, RBS Citizens Business Services

David Bowerman is Vice Chairman in charge of RBS Citizens Business Services with responsibility across RBS's North and South American entities. RBS Citizens Business Services is RBS's "engine room," supplying systems and support in areas including operations, technology, property and purchasing. Previously, Bowerman was Managing Director, U.K. & European Operations with overall responsibility for eight Business Services operations across multiple geographic locations, and 21,000 staff who support RBS's income-generating divisions. Bowerman originally joined the NatWest Bank in 1982 and has since undertaken a range of Retail and Corporate roles, all of which have enabled him to gain extensive experience and build a wide portfolio of successes in driving and implementing significant cultural change and organizational strategies.

John Fawcett
Chief Financial Officer

John Fawcett 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 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
General Counsel

Sheldon Goldfarb is the chief legal advisor for RBS businesses in the Americas. He provides strategic leadership to the management of legal risk and oversees an integrated legal function of 70+ lawyers for RBS in North and South America. Prior to joining RBS Americas, Goldfarb was General Counsel and Secretary of RBS Greenwich Capital, a position he held since 1994. He was responsible for RBSGC’s Legal, Compliance, Government Relations and Corporate Communications functions. He is chairman of the Securities Industry and Financial Markets Association’s (SIFMA), General Counsel’s Committee; past president of the SEC Alumni Association; served on the Executive Committee, and as treasurer, of the SIFMA Compliance and Legal Division; and was a member of the board of trustees of the SEC Historical Society. He is also a member of the investment committee of the Binghamton University Foundation. Goldfarb is a frequent speaker at industry-wide conferences on compliance and legal issues. Goldfarb earned his B.A. from Binghamton University and a J.D. cum Laude from Syracuse University College of Law.

Mike Lyublinsky and Bob McKillip
Co-Heads of GBM Americas

Michael Lyublinsky is the Co-Head of GBM Americas. He is also Head of Fixed Income Trading for the Americas, where he is responsible for overseeing trading activities within Rates, Credit, Mortgage, FX and Local Markets. In 2004 Michael joined RBS Greenwich Capital as Head of Interest Rate Derivative Trading. In 2007, he became the Head of Global Dollar Rates Trading. Prior to the completion of his M.B.A., Michael worked for two years as a computer programmer specializing in image processing. In 1995 he joined Credit Suisse Financial Products as an associate, trading various interest-rate derivative products. During his nine-year tenure at Credit Suisse Financial Products Michael progressed to Managing Director and Head of Interest-Rate Option Trading. Michael has a B.S. in applied math from the University of Moldova and an M.B.A. in finance from the University of California, Los Angeles.

Bob McKillip is Co-Head of GBM Americas and the Head of North America Corporate Coverage and Advisory. He also serves on the board of directors of RBS Greenwich Capital. Prior to joining RBS, Bob spent 23 years in the banking industry at Bank of America, Barclays Capital and Bank One. His background includes broad experience in a range of industries and products including Loan Syndications, Debt Capital Markets, Asset-Backed Securities, Derivatives, FX, Commodities, High Yield, Private Placements and Project Finance. Bob has a B.A. in Finance from Miami University in Oxford, Ohio.

Ken Phelan
Chief Risk Officer, RBS Americas

Ken Phelan is Chief Risk Officer of RBS Americas. Prior to joining RBS, Ken spent two years as the EVP and Chief Risk Officer of Fannie Mae, post conservatorship. Prior to joining Fannie Mae, Ken served as the Chief Risk Officer of Wachovia Corporation with executive leadership responsibility for Wachovia's global credit risk management, market risk management and operational risk management. Ken has a Juris Doctorate from Villanova University School of Law, a Masters of Science in Economics from Trinity College in Dublin, and a Bachelor of Science from Old Dominion University.

Prabhat Vira
Head of Global Transaction Services Americas

Prabhat Vira is Head of Global Transaction Services (GTS) Americas. He is responsible for delivering the full range of global and domestic transaction services capabilities (treasury management, payments, trade finance, merchant services and commercial cards) to clients across all segments of the commercial marketplace in the United States, Canada and Latin America. Vira also is a member of the GTS Executive Committee at RBS. Before becoming head of GTS Americas in August 2009, Vira was Head of GTS Solutions International, responsible for delivering cash solutions to GTS Americas' Global Banking and Markets (GBM) / Large Corporate client segment across North America and Latin America, as well as managing Trade Finance sales and product efforts. Vira has an M.B.A. from the University of Michigan, Ann Arbor, and an undergraduate degree in chemical engineering from BITS, India.