Citizens Bank

Title: Home Equity Senior Processor Location: Mason Ohio United States Type: 1ST Category: Operations Job ID: 46969 Full/Part Time: Full Time Job Description: Description As a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself! As the Home Equity Senior Processor, you will receive and evaluate documentation for loan applications and interact with customers to ensure necessary information is obtained, complete and accurate. Additionally, you will complete reviews within department standards, enter clear, concise comments, edit information and document application status on appropriate loan systems. Furthermore, it is expected that you will communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, explanation of required documentation and/or closing information. In addition to utilizing professional oral and written skills, you should meet department productivity and quality standards within department turn time standards, and apply bank, state and federal regulations to ensure compliance (Fair Lending, Reg B, etc.). Most importantly, you’ll feel valued for who you are and supported to achieve what’s important to you, personally and professionally! Primary responsibilities include - Enter clear, concise comments, edit information and document application status on appropriate loan systems. - Review vendor reports, contact customers, loan officers and/or branches to obtain routine loan documentation. - Resolve documentation issues for new loan applications. - Interact with customers. - Work with both loan officers and branch colleagues to obtain required documents from customers, order and review property titles, appraisals, flood certifications, and income documents to ensure accuracy and completeness. - Make welcome calls on new files, follow the department's call cadence throughout the process to ensure customer's are communicated direct and well informed of all aspects of their line in process. - Ensure that they document in the system of record their call cadence contacts, results of the contact so that they and any colleague who reviews the file is aware of the file status - Provides on the job training for newly hired processors. - Apply bank, state and federal regulations to ensure compliance (Fair Lending, Reg B, etc.). Qualifications, Education, Certifications and/or Other Professional Credentials - Required Qualifications - 5 years of Retail Financial Services experience. - Ability to work in a fast paced environment - Preferred Qualifications - 3 years of retail loan consulting experience, management experience a plus. - Spanish Speaking a plus! Hours & Work Schedule - Hours per Week: 40 - Work Schedule: M-F 8am-5pm (Hybrid - 4 days in office and 1 day remote) Pay Transparency The salary range for this position is $25.48 - $31.25 per hour, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits. Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Benefits We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more.

Title: Senior Manager, Home Mortgage Loss Mitigation Locations: Glen Allen, Virginia; Irving, Texas Type: 1ST Category: Mortgage Job ID: 46873 Full/Part Time: Full Time Hybrid Job Description: Description Citizens Bank is seeking an experienced Loss Mitigation Leader who thrives in a fast‑paced, regulated environment and brings a strong mix of people leadership, operational expertise, and hands‑on problem solving. This role is ideal for a leader who enjoys rolling up their sleeves, coaching teams to higher performance, and driving meaningful improvements for both customers and the business. In this role, you will lead the day‑to‑day operations of our Loss Mitigation portfolios across mortgage and home equity products. You will manage a team of approximately 45 associates (internal and external), partner closely with Strategy, Product, Risk, Compliance, and Senior Leaders, and take ownership of outcomes—performance, risk, customer experience, and financial results. What You’ll Do Lead, Develop, and Inspire - Build, coach, and lead a high‑performing team with a strong focus on accountability, engagement, and continuous development - Foster a culture of ownership, collaboration, and customer‑centric decision making - Set clear expectations and operating rhythms that enable the team to deliver consistent, high‑quality results Drive Operational Excellence (Hands‑On Leadership) - Own day‑to‑day loss mitigation operations, ensuring efficient pipeline management, timely execution, and adherence to investor and regulatory guidelines - Actively identify breakdowns, inefficiencies, and risk points—and personally drive solutions to resolution - Lead continuous improvement efforts using Lean, Agile, automation, and digital tools to improve execution, reduce rework, and enhance customer experience Risk, Compliance & Governance - Maintain a strong control environment across end‑to‑end processes, proactively identifying regulatory, investor, operational, and reputational risks - Lead remediation of audit, QA/QC, and compliance findings through timely, sustainable corrective actions - Ensure full compliance with GNMA/FHA, VA, USDA investor guidelines and internal policies Stakeholder & Vendor Leadership - Serve as a trusted partner to senior leaders, Product Owners, Strategy, Legal, Compliance, Claims, and Accounting teams - Provide oversight and governance for key vendor partnerships, holding partners accountable for performance, risk management, and service delivery - Prepare and present performance metrics, trends, and improvement outcomes to senior management Operational & Financial Accountability - Oversee investor requirements and loan modification document execution - Manage departmental expenses, staffing, and productivity to achieve strong operational and financial outcomes - Integrate new tools, technologies, and vendors that advance operational excellence and customer outcomes What We’re Looking For Required Qualifications - 5+ years of leadership experience in mortgage Loss Mitigation, with demonstrated ownership of operational results - Strong expertise in loss mitigation programs, including modifications - Proven ability to lead teams in a highly regulated, high‑volume servicing environment - Demonstrated willingness to be hands on—personally identifying issues, driving root‑cause analysis, and executing solutions - Strong written and verbal communication skills, with the ability to translate complex policy into clear, actionable guidance Technical & Industry Expertise - Deep knowledge of default servicing regulations (CFPB, RESPA, HUD) - Experience with mortgage servicing platforms such as MSP, BitB, SIP - Strong understanding of investor/insurer guidelines and their impact on workout options and timelines - Ability to interpret title, clearance requirements, and borrower hardship documentation Analytical & Problem‑Solving Skills - Strong analytical mindset with experience reviewing loan‑level data, identifying trends, and performing root‑cause analysis - Ability to assess risk, evaluate options, and make disciplined decisions in complex situations Preferred Qualifications - 8–10 years of mortgage default servicing experience, including at least 5 years in a leadership role - Professional certifications such as Certified Mortgage Servicer (CMS) or FHA DE Certification Hours and Work Schedule Hours per Week: 40 Work Schedule: Monday-Friday - 4 days in office - Glen Allen, VA or Irving, TX Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.

Title: Principal Data Scientist- Mortgage Sales & Strategy Analytics Location: Columbus, Ohio; Westwood, Massachusetts, United States Type: 1ST Category: Data Analytics Job ID: 45468 Full/Part Time: Full Time Shift: 1ST Job Description: Description Citizens’ Enterprise Data & Analytics (ED&A) organization is seeking an experienced Data Scientist to provide analytics leadership related to Mortgage sales and strategy with a focus on proactively retaining existing customers and acquiring new customers via application of data/programming/models/analytics to support sales outreach and optimization. Initial focus is on driving growth through the Enterprise Smart Leads operation that centralizes sales lead generation with a coordinated approach to customer outreach. The Mortgage Sales & Strategy Principal Data Scientist will be responsible for generating, distributing, assessing and optimizing data-driven sales leads provided to virtual and retail Mortgage Loan Officers to enable proactive customer outreach. Skills required include a range of analytical functions (computer and statistical programming, data management, data exploration/visualization, feature engineering, statistical analysis) and business functions (stakeholder engagement and communication, strategy development, analyzing/presenting results, process improvement). The optimal candidate will possess strong programming, analytical, and communication skills, and demonstrate ability to provide analytics leadership with business stakeholders and work well in a team environment. As the Principal Data Scientist, you will work independently as the primary point of contact for Mortgage business partners as well as working within the broader Enterprise Smart Leads team at the direction of a Data Science Manager. This person will develop expertise on all Mortgage sales-related data; develop, execute, and maintain programs to generate customized, data-driven Mortgage-focused leads; develop/implement/present analyses aimed at optimizing performance; and lead reporting and communications with management regarding performance and strategy. Given the focus, knowledge of the home lending area and experience with home lending data is a plus, but is not required. Experience in the financial services industry is preferred. Smart Leads operates as an Agile team within the Enterprise Data and Analytics organization, working closely with other teams involved in various customer communications. In this role, you will: - Conduct customer segmentation analyses and scoping to support Mortgage lead strategy development, assessment and revision. - Apply advanced analytics to engineer customized, data driven, timely sales leads focused on Mortgage retention and acquisition - Apply advanced analytics to continually optimize lead distribution across Virtual/Retail loan officers. - Apply advanced analytics to maximize production via provision of an optimal number and mix of leads across channels. - Apply advanced analytics to develop and optimize lead scoring/prioritization within an overall sales lead strategy framework. - Undertake Mortgage lead program investigation and evaluation on an ongoing basis. Prepare performance updates and special analyses. - Regularly engage with Mortgage business partners to remain tightly aligned on shifting business strategies and discuss application of data and analytics to Mortgage strategy and sales. - Oversee ongoing execution and generation of data driven Mortgage sales leads. - Maintain and improve processes/programs for generating and delivering sales leads and other related information flows - Manage and analyze call disposition data to optimize lead selection and assess performance - Document and communicate analytic insights for both technical and non-technical audiences, often within an Agile working structure - Develop and implement experimental designs to meet business objectives - Continuously innovate through exploration of new techniques, platforms and data sources - Automate various standard procedures including data flows, monitoring, & quality control Technical Qualifications - Master’s (or beyond) in a quantitative discipline such as Statistics, Mathematics, Computer Science, Data Science/Analytics, Economics, Finance or related fields - Strong programming skills and ability to utilize a variety of data/analytic software languages/tools (e.g., SQL, Python, SAS, R, etc.) - Strong written and verbal communication skills required with an ability to communicate analytic results, business insights and resulting business implications to non-technical business partners - Ability to work in a team environment and collaborate with colleagues who have a background in statistics, database development/maintenance, and information technology - Ability to lead productive engagements with business partners from an analytic perspective - 4-7 years of experience in Analytics particularly with Financial Services applications Hours & Work Schedule - Hours per Week: 40 - Work Schedule: Monday - Friday - Hybrid: 4 days per week on site, 1 day remote Pay Transparency The salary range for this position is $157,000 - $197,000 per year, plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.

Head of Central Compliance Programs, Testing and Assurance Location: Johnston Rhode Island United States Risk Johnston, Rhode Island; Louisiana; Remote Type: 1ST Category: Risk Job Description: Description The Head of Central Compliance Programs, Testing and Assurance is responsible for leading the independent assurance function and the compliance operations functions. This role provides senior management and the Board with objective assurance on the design and operating effectiveness of governance, risk management, and internal control frameworks across the bank. In addition, the role is responsible for ensuring that the centralized frameworks including the Enterprise Compliance Risk Assessment, Regulatory Change Management and Metrics and Reporting are effectively operating. The role acts as a critical second‑line function, partnering with business and first‑line teams while maintaining independence, credibility, and strong regulatory engagement. Job Duties: - Define and execute the strategy for our centralized programs including assurance, Enterprise Compliance Risk Assessment, Regulatory Change Management and Metrics and Reporting. Ensure alignment with the Bank’s Risk Appetite and our regulatory priorities. - Lead, mentor, and develop a team of compliance professionals across banking products and operations within Consumer, Commercial and Private/Bank Wealth. - Establish clear assurance methodologies, standards, and reporting practices. - Evaluate the design and effectiveness of first‑line controls and risk mitigation activities; reporting on issues, root causes and emerging risks. - Continue to assess and enhance our centralized compliance programs to ensure efficiencies and productivity. - Serve as a key point of contact for regulators, internal audit, and external auditors on assurance and compliance operations related matters Required Skills/Experience: - Bachelor’s degree required; advanced degree preferred. - 12+ years of experience in banking, risk management, compliance, assurance, or internal audit. - Organizational experience managing large and complex projects and ability to interact with senior management and within a matrixed environment. - Deep understanding of banking products and operations; regulatory requirements; and key processes, controls, and exposure areas. - Proven leadership and management skills in a professional environment. Education/Certifications: - Bachelor’s degree or relevant work experience required - Advanced degree preferred (e.g., Masters/MBA/JD) - CRCM, Audit or Assurance Certifications Preferred Hours and Work Schedule: Hybrid: - 4 days in the office, 1 working from home - Hours per Week: 40 - Work Schedule: Monday-Friday Pay Transparency The salary range for this position is $228,000-$277,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.

Role Description Citizens Corporate Banking is seeking a Director 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 - 7+ 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.

Title: Virtual Wealth Advisor - Astoria / Long Island City, NY Location: Astoria / Long Island City, New York, United States Hybrid Full-time Type: 1ST Category: Wealth and Asset Management Job Description: Description Citizens Wealth Management is honored to be a high quality provider in the investment services industry and is focused on growing our market share in the states we currently operate. We are currently hiring talented Virtual Wealth Advisors who proactively identify and sell a broad array of Investment and Insurance products to customers. The Virtual Wealth Advisor is a key role within our Wealth Management division and is responsible for delivering personalized financial strategies to mass affluent clientele. The Virtual Wealth Advisor will be based out of a Citizens corporate office location and work with customers virtually via phone and video. The primary objective of this trusted advisor is to grow client assets, retain and acquire new clients through being the single point of contact for investment needs. The Virtual Wealth Advisor will be required to maintain compliance with all Citizens Financial Group policies and procedures, as well as, regulatory and legal requirements. This role will require a holistic delivery, in a virtual capacity, of outstanding service and sales solutions to meet clients’ financial needs and goals. The successful candidate will work with a set circuit of branches and engage with customers in a virtual capacity to determine their investment needs, recommend investment strategies and present investment choices by analyzing the client’s information including assets, income, debts and other liabilities, cash flow and tax status. The Virtual Wealth Advisor compares and evaluates possible investment options and identifies investment strategies and potential products based on their knowledge of market conditions and the client’s circumstances. The Virtual Wealth Advisor strives to meet and exceed identified sales goals. The Virtual Wealth Advisor will proactively engage potential new clients to promote and sell investment products and services, while developing strong working relationships with branch personnel. Primary responsibilities include - Focus on clients: Aspire to deliver world-class customer service - Drive sales: Analyze the client’s investment needs and achieve sales growth goals by delivering an exceptional virtual experience - Build book of business: Proactively seek ways to develop and expand client relationships - Maximize personal efficiency: Have attention to detail, be self-motivation, and resourcefulness to achieve branch and personal goals - Grow your own capabilities: Actively participate in opportunities to expand knowledge, influencing and interpersonal skills Qualifications, Education, Certifications and/or Other Professional Credentials - ​​​​Active Series 7, 66 (65 and 63), and life insurance licenses - Established track record of top-ranked sales performance - Experience and comfort with virtual and phone-based servicing and sales, ideally financial or investment product sales - Able to adapt quickly to changing requirements or environments Pay Transparency The salary range for this position is $65,000 - $70,000 per year plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits. Hours and Work Schedule - Hours per Week: 40 - Work Schedule: M-F Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.

Title: Specialty Lending Professional (NYC/RI) Location: New York, New York; Johnston, Rhode Island Category: Lending Job ID: 45899 Full/Part Time: Full Time Shift: 1ST Job Description: The Specialty Lending Servicing Professional is responsible for ongoing servicing, collateral management, and operational support for the Specialty Lending portfolio, with a primary focus on Securities‑Based Lending (SBL) and meaningful support for the Partner Loan Program (PLP). This role partners closely with the Citizens Wealth Business, Lending Specialists, Product Managers, Relationship Managers, and other internal stakeholders to provide coordinated, high‑quality support on behalf of the PWSL organization. The individual will act as a key servicing point of contact for day‑to‑day loan activity, ensuring transactions are executed accurately, efficiently, and in compliance with approved credit terms and bank policies. The position requires the ability to manage complex collateral and monetary transactions, someone who is eager to learn the product specific nuances, and a proactive mindset centered on risk management, client experience, and cross‑functional collaboration. Primary responsibilities include: - Work closely with lending specialists, PLP RMs, and PWSL product managers to deliver a holistic, unified servicing approach across specialty lending products. - Act as a trusted servicing resource, providing thoughtful guidance while maintaining appropriate risk discipline. - Support a “one‑team” approach in managing advisor and client interactions by ensuring alignment across all stakeholders. Securities‑Based Lending - Provide ongoing servicing support for SBL loans, including daily monitoring and maintenance of collateral positions. - Manage and process collateral withdrawals, substitutions, and releases in accordance with loan agreements and credit approvals. - Monitor collateral sufficiency, address margin‑related activity as applicable, and escalate risk or exception items in partnership with credit and product teams. - Serve as a key operational contact for wealth advisors and internal partners, supporting client requests related to SBL activity. - Partner closely with the Citizens Wealth business to ensure seamless coordination and consistent messaging when supporting advisors and clients. Partner Loan Program (PLP) - Provide operational and servicing support for the Partner Loan Program, with a focus on monetary transactions related to private equity and venture capital‑backed borrowers. - Process and support transactions including: - Capital calls - Distributions - Advances and repayments - Other firm‑related cash movements - Develop working knowledge of PLP structures, documentation, and workflows to ensure accurate and timely execution. - Coordinate with lending specialists, credit teams, and internal partners to support ongoing servicing needs for PLP relationships. Qualifications, Education, Certifications and/or Other Professional Credentials Required Qualifications - Ability to interact confidently with advisors, bankers, and internal partners on behalf of clients. - Strong attention to detail, organizational skills, and ability to manage multiple servicing requests in a fast‑paced environment. - Demonstrated ability to work independently while collaborating across multiple teams. - Commitment to delivering a high‑quality internal and external stakeholder experience. Preferred Qualifications - Experience in lending, operations, loan servicing, or wealth management. Preferably within securities‑based lending, specialty lending, or private banking environments. - Familiarity with: - Collateral monitoring and management - Loan servicing workflows and monetary transactions - Credit documentation and servicing controls Hours & Work Schedule - Hours per Week: 40 - Work Schedule: M-F - Open to applicants for our NYC and Johnston, RI office. - There is a 4 day in office requirement; ability to WFH 1 day per week Pay Transparency The salary range for this position is $79,000.00 - $114,000.00 per year plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.

Act as a trusted partner to Communications and Social teams, executing approved advocacy initiatives while identifying and escalating strategic, reputational, or high‑risk considerations as appropriate. Coordinate cross‑functional workflows with Commun...

Title: First Line Risk Manager - Data & Analytics Location: Johnston, Rhode Island, United States Full-time Hybrid Type: 1ST Category: Risk Job Description: Description As a part of our team, you’re made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself! As the First Line Risk Manager, you will represent the first line of defense and play a key role in identifying, managing, and mitigating the risk and compliance control environment. You will develop practical solutions to improve the risk management process at Citizens by utilizing ongoing risk assessment processes (both formal and informal) to identify areas for enhancement. You will collaborate with business lines to define and implement risk and remediation activities, and track events to ensure appropriate action is being taken. You will work closely with the Sr Manager of First Line Risk and other risk Officers to organize and initiate investigations into control failures and related issues. In this role you will support change control efforts by assessing and documenting when applicable. Additionally, you should maintain up to date knowledge of regulatory, statutory, and legislative requirements for risk management and controls to ensure compliance with all applicable requirements. Most importantly, at Citizens we’re more than a bank and here you’ll experience new things, create new opportunities, think beyond your role and make an impact! Primary responsibilities include - Proactively reaches out to Business management, Business Unit Risk Management, Legal, and the larger Risk community to offer support and assistance in compliance related matters to ensure an open, adequate and effective risk management culture. - Establishes and cultivates a strong working relationship with the respective Business Unit Risk Management teams to advance the culture and effectiveness of a synchronized approach to risk management in respect of current, new or emerging applicable banking law and regulation as well as internal corporate compliance policy and procedures. - Using internal protocols, identifies compliance issues, analyzes the risk based on knowledge the business and the current regulatory environment, and escalates to the CCO, and/or First Line Risk Team Lead based on severity of the risk(s). - Consult with the Business Management and colleague(s) regarding the design and implementation of key strategic initiatives and business changes to provide tactical regulatory/compliance advice and recommendations. - Works with Central Compliance team to understand upstream risks as well as new and changing regulatory information, assess the impact to Citizens based on knowledge of products, services, and processes, communicate requirements to the Business Units, and help drive prioritization of the changes. - Assist in the review and resolution of customer dissatisfactions and complaints related to either the retail broker or dealer. Required Qualifications - 8+ years of financial services experience, with 4+ years’ experience in commercial credit relationship management, underwriting/portfolio management, credit approval, credit policy, commercial risk (first, second, or third-line), or similar functions. - Ability to be equally effective in performance of rote duties as well as high-touch analytical work depending on the needs of the given week/month/quarter. - Strong written and verbal communication skills - Advanced use of MS Office Suite (Word, Excel, Powerpoint) - Familiarity with business intelligence tools such as Cognos, Tableau, WebFocus, etc. Education: - Bachelor's Degree - MS (Finance or related), MBA, and/or advanced industry certification (e.g. CFA/FRM designations) To thrive as a colleague at Citizens, candidates must demonstrate a strong customer-centric mindset, exhibit persistence and resilience in the face of challenges, and embrace continuous learning to adapt and grow in a dynamic environment. Hours and Work Schedule: (4 days in office, 1 day remote) Hours per Week: 40 Work Schedule: Monday-Friday Pay Transparency The salary range for this position is $83,000-$111,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Citizens will not sponsor an applicant for a work visa, such as an H-1B, for this position. #LI-Citizens2 Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.

Title: Sr Data Scientist- Conversational AI & NLU Location:  Westwood, Massachusetts; Johnston, Rhode Island Category: Data Analytics Job ID: 46017 Full/Part Time: Full Time Shift: 1ST Job Description: The Senior Data Scientist – Conversational AI & NLU is responsible for designing, developing, evaluating, and optimizing conversational AI solutions across chat and voice channels. This role focuses on GenAI-driven conversational experiences, agentic multi‑turn conversations, and rigorous evaluation of NLU and LLM-based systems, while serving as a primary interface between business stakeholders and data science delivery teams. Key Responsibilities - Design, develop, and optimize GenAI-powered conversational AI solutions using advanced prompting strategies, structured evaluation frameworks, continuous monitoring, and solution performance reporting - Build and improve agentic, multi-turn conversational experiences with robust context management, memory strategies, and conversation state handling - Own experimentation and evaluation of NLU, LLM, and conversational AI solutions, including hypothesis definition, metric design, error analysis, and recommendation of targeted improvements - Act as the primary data science partner to business stakeholders by gathering requirements, clarifying objectives, translating needs into actionable analytical and modeling tasks, and driving execution to measurable outcomes - Assign, coordinate, review, and provide technical guidance on work delivered by onshore and offshore data scientists, ensuring analytical rigor, consistency, and timely delivery - Support end-to-end delivery of conversational AI and NLU capabilities for IVR and chat solutions, including intent understanding, entity extraction, dialogue flows, and conversational quality assessment - Analyze conversation data such as chat logs, call transcripts, and speech-to-text outputs to identify gaps, failure modes, and optimization opportunities across user journeys - Define and report solution-level KPIs related to conversation success, containment, task completion, accuracy, customer effort, and overall experience quality - Ensure conversational AI solutions align with enterprise standards, governance, and regulatory expectations, particularly in highly regulated environments Required Qualifications - Master’s or Ph.D. in Computer Science, Data Science, Machine Learning, or a related quantitative field - 5+ years of experience in data science, with at least 3+ years focused on conversational AI, NLU, or NLP-driven systems - Strong programming and analytical skills in Python, applied primarily to modeling, experimentation, and evaluation - Hands-on experience with LLM Evaluation frameworks like RAGAS, DeepEval, LangSmith, etc. - Proven ability to design, run, interpret, and communicate the results of NLU and conversational AI experiments, translating insights into concrete model and conversation improvements - Experience supporting text- and voice-based, multi-turn, actionable conversational experiences within contact center or customer-facing platforms - Strong communication skills with demonstrated ability to explain complex analytical concepts to technical and non-technical stakeholders Preferred Qualifications - Hands-on experience with Amazon Connect, Amazon Bedrock, or Amazon Lex - Practical experience applying LLMs and GenAI techniques to conversational or customer experience use cases - Familiarity with IVR analytics, conversational logging frameworks, call transcripts, and speech-to-text data analysis - Experience working in banking, financial services, or other regulated enterprise environments Hours & Work Schedule - Hours per Week: 40 - Work Schedule: Monday - Friday - Hybrid: 4 days per week onsite, 1 day remote Pay Transparency The salary range for this position is $124,000 - $165,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. 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. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth 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.