New Heads of Mortgage, Consumer Lending and Retail Banking bring deep experience to accelerate ongoing transformation and meet customers’ evolving needs

Citizens is pleased to announce the appointment of three key executives to accelerate the bank’s ongoing transformation and commitment to deliver the best experience for customers. Raman Muralidharan has been appointed as the Head of Mortgage, and two accomplished senior executives have been promoted: Adam Boyd to Head of Lending and Nuno Dos Santos to Head of Retail Banking. These leadership appointments will bolster Citizens’ growth plans while enhancing its relationship-based banking model.

"The appointment of three highly experienced senior executives underscores our commitment to deliver a superior customer experience and cultivate deeper relationships across mortgage, lending and retail banking,” said Brendan Coughlin, Vice Chair and Head of Consumer Banking for Citizens. "Raman, Adam and Nuno’s deep expertise and impressive track records will accelerate our progress and position the bank for continued success through customer-centric innovation to meet evolving banking and financial needs.”

Raman Muralidharan, Head of Mortgage, leads all aspects of mortgage originations and servicing, including sales, operations, strategy, and technology, reporting to Coughlin. He brings two decades of extensive mortgage industry experience, having previously served as President and Senior Executive Vice President of New Financial Products at Guaranteed Rate. Prior to this role, he had an extensive career at HSBC where he held various senior leadership roles in marketing, technology, and mortgage banking. He has also been an executive at Capital One and a partner at the management consulting firm Booz Allen.

Adam Boyd, Head of Lending, leads all aspects of consumer lending, including home equity products, credit cards, Citizens Pay, student lending, partner lending, consumer credit analytics, and consumer lending strategy and operations, reporting to Coughlin. Most recently, he led the transformation of the home equity lending business with the debut of Citizens’ FastLine^® making the process faster and easier for borrowers. This produced record volume growth in recent years and ranked the company as one of the top nationwide home equity leaders. He also led the overhaul of the credit card business strategy, which is positioned for profitable growth in 2025, and beyond. Over the past decade, Boyd held several leadership positions in Analytics and Product Management for checking, deposits, payment, and fee income. Prior to Citizens, he served in leadership roles at TD Bank and Bank of America.

Nuno Dos Santos, Head of Retail Banking, oversees more than 5,000 colleagues across 1,000 retail branch locations. For the past two years, he served as the Retail Director for the Tri-State Metro market that includes New York, New Jersey and Connecticut. In this role, he led top-quartile household and deposit growth in the most competitive market in the country. Previously, he served as Retail Director for New England markets. Prior to Citizens, he spent more than two decades in leadership positions at Citi, Santander and Bank of America. He joins the Core Banking leadership team reporting to Mark Rendulic, Interim Head of Core Banking.

For more information about Citizens, please visit the Citizens website.

About Citizens Financial Group, Inc.

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $219.7 billion in assets as of September 30, 2024. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,100 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at www.citizensbank.com or visit us on X (formerly Twitter), LinkedIn or Facebook.

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