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Jim Ryan's work experience begins in 1992 when they were hired as a Business Analyst at OneMain Financial (formerly CitiFinancial). Jim rotated through various departments for several months each as part of the company's management training program. In 1994, they became a Marketing Analyst at OneMain Financial and later transitioned to the role of Director of Field Administration and Development in 1995. From 1999 to 2003, Jim served as the Vice President of Risk Management at OneMain Financial, managing a team of risk professionals and reporting to the Chief Risk Officer. In 2003, they took on the position of Senior Vice President of Operations and then became the Chief Marketing Officer at Citi from 2005 to 2016. After leaving Citi in 2016, Jim briefly worked as an Independent Consultant at Think Finance before becoming the Chief Marketing Officer at Regional Finance.

Jim Ryan earned their Bachelor of Arts (B.A.) degree in Economics from Williams College, where they attended from 1988 to 1992.