Citizens Financial Group Inc at Bank of America Merrill Lynch Future of Financials Conference Transcript
Thank you for those who are still here. I know it's been a very long day. My name is Brandon Berman, I'm the senior associate on the U.S. bank's research team. With new stories about data breaches and to system outages, we in the industry are growing more concerned about new risks to an industry we already subject to so many risks.
For our next speaker, these risks are a lot more or likely keep them up -- keep them up at night a lot more than the average investor.
Without further ado, let me introduce our last speaker for today, from Citizens Financial, we have Malcolm Griggs, the bank's Chief Risk Officer.
Malcolm joined the bank as a Chief Credit Officer in 2014, and prior to this he held senior risk management roles at several other firms across the industry.
With that, let me pass it off to Malcolm, who has some prepared remarks. And after that, we'll -- I'll give it time for some questions and answers.
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