Citizens Bank

Lead the implementation of Treasury Management solutions for clients, coordinating with internal teams, managing project timelines, and ensuring high customer satisfaction throughout the project lifecycle while addressing any concerns or risks.

Deliver disciplined performance management and analytics, analyze revenue realization and product variance, and support decision-making through data-driven insights and efficient reporting for the Commercial Card and Merchant businesses.

Title: Director of Data Operations – Operational Support & Data Platform Stability Location: Phoenix Arizona United States Type: 1ST Category: Data Analytics Job Description: Description Role Summary As a Director of Data Operations focused on Operational Support and Data Platform Stability, you will provide senior technical leadership to a team of data engineers responsible for operating, and continuously improving enterprise-scale data platforms. This role extends beyond traditional engineering to ensure high availability, resiliency, and performance of critical data pipelines and systems supporting core banking and analytics functions. You will partner with business and technology stakeholders to modernize data ecosystems using AI-driven automation, Lakehouse architecture, and cloud-native platforms, while ensuring operational excellence. Your leadership will drive consistent, scalable, and reliable data delivery across the enterprise, enabling downstream analytics, regulatory reporting, and customer-facing applications. Specialized Responsibilities - Provide hands-on leadership for 24x7 operational support and reliability engineering of enterprise data platforms - Ensure data pipeline stability, resiliency, and performance at scale, including proactive monitoring and incident prevention - Establish and enforce AI-driven operational automation, including self-healing pipelines, anomaly detection, and predictive failure analysis - Partner with stakeholders to define SLAs, SLOs, and operational KPIs for data systems across critical business domains - Oversee root cause analysis and resolution of data incidents, pipeline failures, and performance bottlenecks - Drive modernization of legacy ETL/ELT processes into cloud-native, event-driven, and scalable data frameworks - Lead implementation of observability frameworks, including logging, tracing, metrics, and lineage tracking - Standardize data engineering lifecycle practices, including CI/CD, automated testing, and release governance - Optimize data platforms for cost, performance, and throughput efficiency across distributed systems - Collaborate across teams to ensure downstream data consumption readiness, including analytics, reporting, AI/ML, and regulatory use cases - Mentor and develop engineering teams in site reliability engineering (SRE) principles and operational excellence Preferred Technical Expertise - Advanced experience with Lakehouse architectures (e.g., Delta Lake, Apache Iceberg, Hudi) and related engineering patterns - Deep expertise in cloud-based data ecosystems (AWS, Azure, or GCP), including distributed storage and compute - Strong experience with streaming and event-driven processing (e.g., Kafka, Spark Streaming, Flink) - Expertise in data pipeline orchestration and automation tools (Airflow, Dagster, native cloud orchestration) - Proficiency in AI/ML-driven operational analytics, including anomaly detection, forecasting, and optimization models - Experience implementing data observability and monitoring platforms (e.g., Monte Carlo, Datadog, Prometheus, CloudWatch) - Advanced programming experience in Python, Java/Scala, SQL, and distributed processing frameworks - Expertise in performance tuning for large-scale data systems, including storage optimization, partitioning, and indexing strategies - Familiarity with DevOps and SRE practices, including Infrastructure as Code (Terraform, CloudFormation) Business Outcomes and Impact - Improved data platform stability and uptime, ensuring reliable delivery of mission-critical data assets - Reduced mean time to detect (MTTD) and mean time to resolve (MTTR) for data incidents - Increased operational efficiency through automation, reducing manual intervention and support overhead - Enhanced data pipeline scalability and performance, enabling high-volume, low-latency data processing - Accelerated enterprise data modernization, transitioning from legacy systems to cloud-native architectures - Improved data quality and trust, supporting regulatory compliance and critical business decision-making - Optimized infrastructure cost and utilization across distributed cloud environments - Enabled faster downstream analytics and AI/ML innovation through reliable, well-governed data pipelines Preferred Qualifications - 12+ years of experience in data engineering, with significant focus on large-scale operational support and platform reliability - Proven experience leading teams in enterprise data platform operations within financial services or regulated industries - Demonstrated expertise in cloud migration and data modernization initiatives - Experience implementing AI-driven automation in production data environments - Strong understanding of consumer and commercial banking data domains and regulatory requirements - Experience with Agile delivery models and cross-functional stakeholder engagement - Bachelor’s or Master’s degree in Computer Science, Engineering, or related field - Relevant certifications in Cloud, Big Data, or Agile methodologies Modernization and Architecture Expectations - Lead the transition to Lakehouse-driven architectures to unify analytics, AI, and operational workloads - Establish cloud-first, modular data platform designs supporting scalability and resilience - Implement event-driven, loosely coupled data pipelines to improve adaptability and real-time capabilities - Drive adoption of AI-powered operational intelligence, including automated remediation and predictive monitoring - Standardize data platform observability, governance, and lineage frameworks - Replace legacy ETL systems with modern, scalable, and metadata-driven pipeline architectures - Ensure all data systems are designed with resiliency, fault tolerance, and failover capabilities as core principles - Embed security, compliance, and data privacy controls into platform architecture by design Hours & Work Schedule - Hours per Week: 40 - Work Schedule: Monday-Friday - Hybrid: 4 days per week on-site 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 Analyst, Business Banking Analytics Location: Johnston Rhode Island United States Work Type: Remote Type: 1ST Category: Technology Job Description: Description: Citizens Financial Group, Inc. (CFG) seeks a Principal Data Analyst, Business Banking Analytics for its Johnston, Rhode Island location. Duties: 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 and ensuring products meets 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. Requirements: Bachelor’s degree in Electronics, Computer Science, Engineering, or related field, followed by five (5) years of progressive experience in the role or in a related position. Full term of experience must include: 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; and Analyzing and addressing ETL transformation performance issues. Direct applicants only. 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.

Principal Software Engineer Location: United States Type: 1ST Category: Technology Job Description: Citizens Financial Group, Inc. (CFG) seeks a Principal Software Engineer for its Johnston, Rhode Island location. Duties: 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. Requirements: Bachelor’s degree in Engineering, Information Systems, or related field, followed by 7 years of progressive experience in the role or in a related position. Full term of experience must include: 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; and Implementing testing strategies including Behavior-Driven Development (BDD) and Contract Testing to ensure reliability and quality of software products. 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. 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. 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: Virtual Wealth Advisor - Johnston, RI Locations: Johnston, Rhode Island; Westwood, Massachusetts Type: 1ST Category: Wealth and Asset Management Job ID: 47073 Full/Part Time: Full Time 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. Hours and Work Schedule - Hours per Week: 40 - Work Schedule: M-F 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: 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.