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Richard Fazio is currently the Senior Vice President at Citizens Bank in charge of Metro NYC and Mid Atlantic Liquidity Solutions. Richard is responsible for managing all aspects of sales and market management, including liquidity, deposit volume, revenue growth, cost of funds, and product strategy. With previous experience at J.P. Morgan and Citi, Richard has a strong background in treasury services and product management. Richard holds a Master of Business Administration from Cornell Johnson Graduate School of Management and a Bachelor of Science in Finance from the University of Scranton.