Citizens Bank, N.A., is the primary retail banking subsidiary owned and operated by Citizens Financial Group, Inc. Citizens Financial Group is a publicly traded financial services company, and its banking operations are regulated at the federal level by authorities such as the Office of the Comptroller of the Currency (OCC). The bank operates across a wide network of states in the northeastern United States, providing a comprehensive range of retail and commercial banking services. As part of a larger financial group, the bank’s operational policies, compliance standards, and strategic direction are managed by the parent organization, Citizens Financial Group, which is responsible for the overall fiscal health and corporate governance of its banking subsidiaries.