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Tom K. is a dynamic financial services executive with over 20 years of experience in credit risk, product development, and portfolio management within large financial institutions. Currently serving as the SVP - Head of Credit Risk for Residential Real Estate Lending at Citizens, Tom possesses a proven ability to lead cross-functional teams in delivering innovative lending solutions and optimizing operational performance. Previously, they held key roles at Citi Financial, PNC, and Wells Fargo, where they significantly contributed to risk policy management, customer experience transformation, and compliance efforts. Tom holds a Bachelor's degree in Economics from Bucknell University and a Master’s degree in Finance from the University of Maryland’s Robert H. Smith School of Business.