Executive Vice President, Head of Digital & Operations
Citizens Commercial Banking

A strategic and innovative banking executive, Jo currently leads all on-boarding and servicing functions for the Commercial Bank across a broad spectrum of products including CRE and Commercial Lending, Treasury Cash Management, Commercial Cards, Trade Finance, Asset Based Lending, Syndicated Lending and Global Markets FX/IRD. She also oversees digital strategy, innovation and change for the Commercial Bank, along with the enterprise-wide Intelligent Automation and Operational Excellence chapters for Citizens. In 2019 Jo received the prestigious honor of being named to American Banker’s list of Women to Watch.

Jo joined Citizens in 2009 and has led a number of key strategic initiatives, including developing a best-in-class client concierge service, migrating the commercial lending portfolio to a new loan accounting platform, transforming operations by creating end-to-end alignment of servicing and on-boarding activities, and pioneering a industry-leading robotic process automation program. She is currently a member of the Citizens Executive Leadership Group and part of the Citizens Innovation Board.

Prior to joining Citizens, Jo held several senior positions at The Royal Bank of Scotland. She is a dynamic leader with an impressive track record of driving transformational change and business results across Commercial, Retail and Mortgage banking.

Originally from Scotland, Jo currently lives in Rhode Island with her husband Chris and two dogs, Manny and Louie. In her spare time, she enjoys golfing and playing pickle ball.