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CJ Spates is an accomplished risk management professional with over 17 years of experience in the banking sector. Currently serving as Head of Risk Management and Senior Vice President in Enterprise Experience at Citizens Bank since June 2014, CJ has held various senior roles in risk management, including Senior Director and Director. Previously, at Royal Bank of Scotland from June 2007 to June 2014, CJ managed audit engagements and compliance efforts while collaborating with global business partners. Early career experience includes roles in accounting and logistics at Sea Fresh USA and as an Assistant Manager at Radio Shack. CJ holds a Bachelor of Science in Business Administration, with a focus on Accounting and Information Systems, from Bryant University.