Citizens

Role Description Citizens Financial Group, Inc. (CFG) seeks a Principal Data Analyst, Business Banking Analytics for its Johnston, Rhode Island location. - Owns the roadmap, build, enhancement and maintenance of strategic data products that drive business decision making. - Owns multiple data products and works alongside others to conceptualize, design, and build strategic solutions ensuring products meet approved architecture patterns and governance. - Manages linkages with centralized assets and engineering teams, including Salesforce, Master Data Management, and other Internal Customer Databases. - Responsible for supporting a wide range of data analysis functions and performing adhoc analysis to support strategic business needs. - Responsible for enabling hardened data for business banking that allows performing insightful analytics to be consumed by data scientists and other advanced analytics professionals. Qualifications - Bachelor’s degree in Electronics, Computer Science, Engineering, or related field. - Five (5) years of progressive experience in the role or in a related position. Requirements - Designing, testing, and deploying ETLs and performing root cause analyses and defect resolutions. - Fine tuning long running ETL jobs and SQL queries. - Building reusable ETL components and implementing push down optimization for performance enhancement. - Implementing disaster recovery and data security policies, including data tokenization solutions for EDW Datawarehouses. - Implementing platform migration projects and orchestration tool migration projects. - Building Spark applications for data extraction, transformation, and aggregation with multiple file formats. - Migrating data using Sqoop from HDFS to Relational Database System. - Implementing Hadoop Eco-system components. - Deploying encryption techniques, compression, and replication for data processing needs. - Analyzing and addressing ETL transformation performance issues. Company Description Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Role Description Citizens Financial Group, Inc. (CFG) seeks a Principal Software Engineer for its Johnston, Rhode Island location. - Designs, modifies, develops, and implements technology solutions. - Builds modern, architecturally sound components, tools, and applications to meet mission-driven strategic business goals. - Participates in an environment rapidly transforming to the Agile methodology, adhering to best practices, and collaborating effectively with teammates. - Infuses quality of service characteristics, including scalability, manageability, and maintainability, into distributed service-based framework to create or expand business or technical capabilities. - Contributes insight when considering design specifications, considering the goals of the consumer-facing product. - Participates in code and design reviews to ensure that solutions meet the enterprise standards and best practices. - Collaborates with experience owners to deliver robust solutions that drive user experience and achieve the project goals. - Experiments with and learns new technologies, participating in internal and external technology communities, mentoring other members of engineering community. - Evaluates technical feasibility and potential project risks. Qualifications - Bachelor’s degree in Engineering, Information Systems, or related field. - 7 years of progressive experience in the role or in a related position. Requirements - Designing innovative solutions to complex technological challenges with a customer-focused mindset. - Implementing Mainframe modernization initiatives. - Conducting return on investment analysis and evaluating financial benefits and risks associated with modernization initiatives. - Conceiving and crafting core banking solutions for financial institutions. - Utilization of Microservices Architecture to facilitate the development of loosely coupled, independently deployable services, including related patterns CQRS, Event Sourcing, and Domain Driven Design (DDD) for building scalable and resilient systems. - Utilizing cloud platforms, including Next-gen technology transformation, using ROSA (Red Hat OpenShift Service on AWS) and AWS platforms to enable cloud compliant, secure, and highly available solutions. - Utilization of CI/CD tools, including Jenkins, GitHub, and Bitbucket to automate software delivery processes, ensuring rapid, reliable, and efficient deployments. - Utilizing container technologies, including Docker and container orchestration platforms including Kubernetes and Rancher, enabling efficient management of containerized applications. - Conducting specialized, stream processing and event-driven architectures using Kafka and Kafka-Streams, to facilitate real-time data processing and analytics. - Utilizing databases, including NOSQL databases like MongoDB, CouchDB, Cassandra, Amazon S3, and Postgres. - Utilization of advanced analytics and monitoring tools including Splunk, Dynatrace, ELK Stack, Jaeger, and Kibana to monitor, analyze, and troubleshoot application performance. - Implementing testing strategies including Behavior-Driven Development (BDD) and Contract Testing to ensure reliability and quality of software products. Benefits - May telecommute from any U.S. location. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance, and capability. Job Applicant Data Privacy Policy Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Role Description Citizens Corporate Banking is seeking a Vice President level colleague to support Diversified Industries. The VP will play a key role on deal teams and coordinating projects and will interact with Senior Bankers, Senior Management, Portfolio Management, product partners, and other groups within Citizens. Our team of experienced bankers helps companies execute on valuable business opportunities by offering a full range of Corporate and Investment Banking products and services. Our Corporate Banking platform is national, therefore we are flexible on location for this role. - Support Senior Bankers with prospecting, new business ideas, and business development efforts - Leverage deep knowledge of the Diversified Industries to drive dialogue and deliver tailored financial solutions to clients and prospects - Preparing and reviewing marketing materials / pitchbooks for client meetings and internal memorandums / presentations - Act as liaison for Senior Bankers and clients, as well as partner with Portfolio Management, Leveraged Finance, Capital Markets, and Risk Management on all approval and committee requests - Conduct company and industry research - Analyze financial model output and client information to prioritize data and present conclusions for discussion purposes - Lead client planning and demonstrate proficiency with key products - Responsible for mentoring and developing junior team members - Responsible for a portfolio of clients and direct business development of N2N clients based on experience level - Other duties as assigned Qualifications - 5+ years Corporate or Investment Banking experience with a financial institution. - Growth mindset with desire to learn and follow directions well - Ability to function as part of a flat organization, manage several projects at once and work effectively as an individual and as part of multiple teams - Excellent oral and written communication skills with the ability to express ideas in an organized and articulate manner - Ability to follow-up independently and consistently in a timely manner - Demonstrated aptitude for quantitative and qualitative analysis including: financial statement analysis, financial modeling and company or industry analysis - Self-starting team player who can think strategically and excel in a fast-paced, entrepreneurial work environment - High degree of maturity and integrity with a positive and hardworking attitude - Excellent attention to detail - Full command of Microsoft Word, Excel and PowerPoint - Experience with related financial services software a plus - Demonstrated business development success - Ability to travel for business is required Requirements - Bachelors Degree required - Masters Degree preferred - 79 & 63 Licenses preferred Hours & Work Schedule - Hours per Week: 40 - Work Schedule: Monday - Friday Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Appraisal Analyst II – Alternative Collateral Products Position Overview The Appraisal Analyst II – The Alternative Collateral Product Reviewer is a key contributor within the Collateral Risk Management (CRM) team and is responsible for reviewing and rendering decisions on non‑traditional and alternative valuation products used in residential mortgage lending. This role supports safe and sound lending by evaluating the adequacy, appropriateness, and risk implications of alternative collateral documentation in accordance with internal policy and investor guidelines. The analyst applies independent judgment within delegated authority and partners closely with underwriting, pipeline management, and business partners to ensure collateral decisions are well‑supported, consistently applied, and aligned with risk appetite. Primary Responsibilities - Perform moderately complex reviews of alternative collateral products, which may include but are not limited to: - Property Data Reports (PDR) - Property Data Collect products (PDC) - Hybrid appraisals - Desktop appraisals - Evaluations and other policy‑approved alternative valuations - Review alternative collateral documentation for compliance with: - Bank collateral policy - Fannie Mae and Freddie Mac guidelines - Applicable regulatory and supervisory guidance - Assess whether the selected collateral product is appropriate for the transaction type, risk profile, and loan purpose. - Analyze data integrity, property characteristics, market context, and valuation conclusions to determine whether collateral risk is adequately addressed. - Identify missing, conflicting, or unsupported information and place clear conditions or revision requests as required. - Render collateral decisions within delegated authority: - Accept - Condition - Escalate to higher‑level review when risk, complexity, or policy exceptions exist - Apply risk‑based judgment when alternative collateral results conflict with market data, borrower information, or other file components. - Document clear, defensible review notes to support underwriting decisions, audit review, and investor inquiries. - Communicate professionally with internal partners, vendors, and collateral operations teams to resolve issues efficiently. - Escalate quality concerns, policy gaps, or emerging risk trends to management. - Meet or exceed established productivity, quality, and turnaround time expectations. - Adhere to all bank policies, regulatory requirements, and internal procedures. - Perform other duties as assigned by management. Qualifications Required - Minimum of 2–4 years of experience in: - Collateral risk review - Real Estate Professional - Mortgage underwriting with collateral decision authority - Valuation review or appraisal operations - Demonstrated knowledge of: - Alternative collateral products and their appropriate use - Fannie Mae and Freddie Mac collateral eligibility requirements - Bank collateral policy and risk‑based decisioning - Strong analytical and critical‑thinking skills with the ability to assess reasonableness and risk without reliance on a traditional appraisal. - Ability to clearly document decisions and communicate complex collateral issues. - Proven ability to manage an individual pipeline in a production environment. Preferred - Prior experience reviewing alternative valuation products - Familiarity with automated valuation tools, risk scoring models, and property data analytics - Experience supporting audits, QC reviews, or investor inquiries related to alternative collateral Skills & Competencies - Risk‑focused, independent decision‑making - Strong policy interpretation and application skills - High attention to detail and consistency - Professional, solution‑oriented communication style - Ability to manage exceptions and ambiguity - Adaptability in a changing collateral and regulatory landscape - Commitment to quality, accountability, and continuous improvement Working Conditions - REMOTE - Standard business hours; flexibility may be required during peak volumes or pilot initiatives Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Equal Employment and Opportunity Employer Job Applicant Data Privacy Policy Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Appraisal Analyst II – Alternative Collateral Products Position Overview The Appraisal Analyst II – The Alternative Collateral Product Reviewer is a key contributor within the Collateral Risk Management (CRM) team and is responsible for reviewing and rendering decisions on non‑traditional and alternative valuation products used in residential mortgage lending. This role supports safe and sound lending by evaluating the adequacy, appropriateness, and risk implications of alternative collateral documentation in accordance with internal policy and investor guidelines. The analyst applies independent judgment within delegated authority and partners closely with underwriting, pipeline management, and business partners to ensure collateral decisions are well‑supported, consistently applied, and aligned with risk appetite. Primary Responsibilities - Perform moderately complex reviews of alternative collateral products, which may include but are not limited to: - Property Data Reports (PDR) - Property Data Collect products (PDC) - Hybrid appraisals - Desktop appraisals - Evaluations and other policy‑approved alternative valuations - Review alternative collateral documentation for compliance with: - Bank collateral policy - Fannie Mae and Freddie Mac guidelines - Applicable regulatory and supervisory guidance - Assess whether the selected collateral product is appropriate for the transaction type, risk profile, and loan purpose. - Analyze data integrity, property characteristics, market context, and valuation conclusions to determine whether collateral risk is adequately addressed. - Identify missing, conflicting, or unsupported information and place clear conditions or revision requests as required. - Render collateral decisions within delegated authority: - Accept - Condition - Escalate to higher‑level review when risk, complexity, or policy exceptions exist - Apply risk‑based judgment when alternative collateral results conflict with market data, borrower information, or other file components. - Document clear, defensible review notes to support underwriting decisions, audit review, and investor inquiries. - Communicate professionally with internal partners, vendors, and collateral operations teams to resolve issues efficiently. - Escalate quality concerns, policy gaps, or emerging risk trends to management. - Meet or exceed established productivity, quality, and turnaround time expectations. - Adhere to all bank policies, regulatory requirements, and internal procedures. - Perform other duties as assigned by management. Qualifications Required - Minimum of 2–4 years of experience in: - Collateral risk review - Real Estate Professional - Mortgage underwriting with collateral decision authority - Valuation review or appraisal operations - Demonstrated knowledge of: - Alternative collateral products and their appropriate use - Fannie Mae and Freddie Mac collateral eligibility requirements - Bank collateral policy and risk‑based decisioning - Strong analytical and critical‑thinking skills with the ability to assess reasonableness and risk without reliance on a traditional appraisal. - Ability to clearly document decisions and communicate complex collateral issues. - Proven ability to manage an individual pipeline in a production environment. Preferred - Prior experience reviewing alternative valuation products - Familiarity with automated valuation tools, risk scoring models, and property data analytics - Experience supporting audits, QC reviews, or investor inquiries related to alternative collateral Skills & Competencies - Risk‑focused, independent decision‑making - Strong policy interpretation and application skills - High attention to detail and consistency - Professional, solution‑oriented communication style - Ability to manage exceptions and ambiguity - Adaptability in a changing collateral and regulatory landscape - Commitment to quality, accountability, and continuous improvement Working Conditions - REMOTE - Standard business hours; flexibility may be required during peak volumes or pilot initiatives Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Equal Employment and Opportunity Employer Job Applicant Data Privacy Policy Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.