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Kristen Karkau, AAP, APRP, is an experienced Vice President and Business Systems Manager at Citizens, where they manage the Integrated Services Channel team responsible for various payment files. With a strong background in the financial services industry, particularly in payments, Kristen has demonstrated expertise in risk management, customer service, and business process improvement. Previously, they held roles including Vice President/ACH and RTP Product Manager at M&T Bank and Banking Officer/Operations Supervisor, focusing on product management and fraud mitigation. Kristen earned a Bachelor of Applied Science in Business Administration and Management from State University of New York Empire State College and is currently engaged in the Operations Management Program at M&T Bank.