Leadership Team

Executive Committee

Our leadership team of seasoned industry professionals is supported by a highly motivated, diverse set of managers and employees committed to delivering a strong customer value proposition. Our highly experienced and talented executive management team, whose members have more than 20 years of banking experience on average, provide strong leadership to deliver on our overall business objectives.

Profiles of Citizens’ executive management team can be viewed by clicking below

Bruce Van Saun – Chairman and Chief Executive Officer

Van Saun joined Citizens Financial Group in October 2013 after serving as RBS Group Finance Director and as an executive director of the RBS Board since 2009. 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 Clearing House supervisory board, and is a fellow of the Foreign Policy Association.

Eric Aboaf – Chief Financial Officer

Eric Aboaf joined Citizens Financial Group in April 2015 as Executive Vice President and Chief Financial Officer.

Aboaf serves on the Executive Committee and as CFO is responsible for the business line finance groups and for the company’s financial planning and analysis, controller, investor relations, strategy, treasury, tax and capital management functions.

He joins Citizens from Citigroup, where he held a variety of leadership roles over a 12-year period. As Citi’s Global Treasurer, he was responsible for managing the company’s balance sheet, ensuring strong liquidity and optimizing the capital structure. He also managed the company’s U.S. investment portfolio and met regularly with major investors, clients and regulators.

Prior to becoming Treasurer, Aboaf held the chief financial officer positions for both the Institutional and Consumer bank segments at Citi. He was Global CFO for the Institutional Clients Group, leading the finance and strategy functions for Capital Markets, Investment Banking, Transaction Services and Alternative Investments. And he served as CFO for the North American Consumer Group, which included Credit Cards, Retail Banking, Consumer Finance and Insurance. Before holding those roles he served as Citi’s head of Financial Planning and Analysis.

Prior to joining Citi, Aboaf was a partner at Bain & Company and Co-Head of its U.S. Financial Services Practice. He has extensive business strategy consulting experience spanning a number of industries. He also worked at Oliver Wyman & Company, a New York-based strategy firm.

Aboaf is a graduate of both the Wharton School of Business and the Engineering School at the University of Pennsylvania. He holds a Master of Science degree from Massachusetts Institute of Technology.

David Bowerman – Vice Chairman, Head of Business Services

David Bowerman is vice chairman, head of 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, Inc.

Previously, Bowerman was managing director, U.K. and European Operations, for the Royal Bank of Scotland 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 Citizens, 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.

Brad L. Conner – Vice Chairman, Consumer Banking

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.

Before joining Citizens in 2008, Conner was president of JPMorgan 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 MBA from the University of Arkansas.

Stephen T. Gannon – General Counsel and Chief Legal Officer

Stephen T. Gannon is general counsel and chief legal officer of Citizens Financial Group, Inc. 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 Citizens, 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

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.

Prior to joining Citizens 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

Susan LaMonica is the Chief Human Resources Officer for Citizens Bank and a member of the bank’s executive committee. She is responsible for developing and driving people strategies to support Citizen’s business plan. She oversees a team of human resource professionals responsible for recruiting, leadership and talent development, learning, diversity, compensation and benefits, employee relations and the human resource service center and payroll. Susan is also responsible for internal communications.

Prior to joining Citizens in 2011, LaMonica held senior leadership roles at JP Morgan Chase. She served as the head of Human Resources for the investment banking and markets division globally, and before that served as the head of human resources for the consumer and commercial banking division. LaMonica also served as global head of development for the bank, leading the firm’s efforts around talent, leadership, learning, diversity, culture and organizational change. During her tenure she played a key role for human resources in a number of bank mergers. Before moving into human resources, LaMonica began her career with Chase Manhattan Bank, holding a number of roles in operations, risk and retail banking.

LaMonica earned a B.S. in finance from Boston College and an MBA in finance from New York University.

Robert Nelson – Chief Compliance Officer

Robert Nelson is chief compliance officer of Citizens Financial Group, Inc. He oversees a team that is responsible for ensuring that a compliance framework is implemented across the bank and that day-to-day compliance risks are adequately managed by the business.

The compliance team works to strengthen Citizens’ 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 Citizens’ 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 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 CPA.

Brian O’Connell – Regional Director, Technology Services

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

Before joining Citizens in 2012, O’Connell 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 sales positions in both IT and insurance.

He holds a bachelor’s degree in economics from Boston College.

Robert C. Rubino – Interim Co-Head of Commercial Banking

Robert C. Rubino is interim co-head of Commercial Banking and executive vice president and head of Corporate Finance and Capital Markets for Citizens Financial Group, Inc. Included in this group are all corporate advisory, capital markets, debt distribution, and sales and trading activities. It also contains all sponsor and leveraged finance origination, underwriting and portfolio management activities, and the strategic client acquisition group.

Rubino is responsible for M&A and the bank’s alliance with Oppenheimer & Co., which delivers equity capital markets capabilities to the bank’s client base. Over the past five years, he and his team have developed these capabilities from concept through execution and on to market leadership. Today, the capital markets platform is a consistent top 7 lead arranger of middle market loans and a top 5 lead arranger of sponsor transactions.

Rubino is also responsible for the bank’s Global Markets business, encompassing interest-rate products and foreign exchange. He led this team through a front-to-back restructuring in response to regulatory requirements, creating a strong go-to-market model and stable platform in the process. He also leads Private Equity Banking.

Rubino is a member of the bank’s Loan Underwriting Committee, the Commercial Banking Executive Management Committee and the bank’s Executive Leadership Group. He serves on the bank’s Joint Trust Committee and the board of the bank’s broker/dealer, CCO Investments.

Previously, Rubino was responsible for the bank’s Mid-Corporate lending activities on the East Coast and the Foreign Corporate group, which specializes in U.S. subsidiaries of foreign-owned parent companies.

Rubino came to Citizens in 2007 after a successful executive career at Bank of America. He led Bank of America’s Business Capital Group for the northeastern United States, served as group executive of the bank’s National Large Corporate Group, and managed Bank of America’s Precious Metals and its Business Capital in Europe.

Rubino received his bachelor’s degree at Providence College and a master of science at the London School of Economics. He went through formal credit training at Manufacturers Hanover Trust and carries NASD licenses 24, 7 and 63.

Nancy L. Shanik – Chief Risk Officer

Nancy Shanik is the chief risk officer for Citizens Financial Group, Inc. She is responsible for monitoring and overseeing how we manage enterprise-wide risks at Citizens and leading the bank’s Corporate Risk Management organization, including the development and execution of its strategy, and its day-to-day operations.

Shanik joined Citizens in 2010 from Alvarez & Marsal in New York, where she was a managing director. Prior to this, she spent 31 years with Citigroup in positions of increasing responsibility. She was both a managing director and senior credit officer and served as chief credit officer of Citigroup’s Global Commercial Markets business from 2004 to 2008. She has had broad-based leadership management and restructuring experience over the course of her career.

Shanik earned a bachelor's degree cum laude from the University of Vermont and an M.B.A. from Tulane University. She also completed the Stanford University Executive Program.

Stephen R. Woods – Interim Co-Head of Commercial Banking

Stephen R. Woods is interim co-head of Commercial Banking and executive vice president and head of Corporate Banking for Citizens Financial Group, Inc. Corporate Banking is the largest division in the Commercial Banking group, holding approximately $50 billion in loan commitments.

As head of Corporate Banking, Woods is responsible for Citizens’ nationwide business efforts, including Middle Market, MidCorporate, Asset-Based Lending, Franchise Finance, Not-for-Profit, Professionals Banking and Government Banking. Roughly 500 people are employed in Corporate Banking across the 11 states in the Citizens Bank footprint and several states outside the footprint.

Woods serves on the bank’s Loan Underwriting Committee, the Commercial Banking Executive Management Committee and the bank’s Executive Leadership Group (the company’s senior leadership team).

Woods joined Citizens in 2007 to lead the bank’s MidCorporate Banking business unit, serving customers with annual sales of $500 million to $2 billion throughout the Citizens franchise. Prior to assuming his current position, Woods also served as market president in Massachusetts.

Before joining Citizens, Woods was the national sales executive for Cleveland-based Key Corp, overseeing 29 offices from Boston to Seattle, more than 400 employees and $25 billion in loan commitments. Previously, he managed Key’s nationwide consumer investment banking business.

Woods is a graduate of Trinity College, where he received a B.A. in economics.