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Grace Zhang, CFA, CMA, currently serves as Vice President of Capital Management at Citizens since 2020, where responsibilities include managing stress testing processes for capital planning and overseeing financial projections and scenario analyses. Prior to Citizens, Grace held the same title at State Street from 2012 to 2019, focusing on risk-weighted asset management and capital forecasting while enhancing processes for enterprise-wide stress testing. Earlier experience includes a role as Treasury Manager/Financial Analyst at Fidelity Investments, where economic analytics and in-depth investment portfolio analysis were conducted. Additional positions include Supervisor of Investments Finance at Liberty Mutual and Internal Auditor at John Hancock Life Insurance Company. Grace holds an MBA in Business Administration from Ivey Business School at Western University, a Graduate Diploma in Accounting from McGill University, and a Bachelor's in Finance from Central University of Finance and Economics.