Patrick Cristino

Patrick L. Cristino is Head of Small Business at Citizens, where he leads a team that partners closely with the Retail organization to drive business banking growth. His work is focused on client acquisition, onboarding, deepening relationships, increasing primary banking engagement, and reducing client attrition.

Since joining Citizens in 2003 as a Branch Manager, Patrick has built a broad and impactful career across the organization. He has held several senior leadership roles, including Regional Manager, District Manager, and Retail Director for New England, where he oversaw 180 branches and more than 1,100 colleagues. In his role as National Sales Director for Retail, Patrick led a team of 13 sales managers across the footprint and played a key role in shaping the strategy and execution of retail banking.

Patrick brings deep expertise in strategic planning, sales leadership, and digital transformation, with a strong track record of driving performance and building high-performing teams.

A graduate of the Consumer Banking Association’s Executive Banking School in 2018, Patrick now serves as a faculty member, where he shares his leadership experience and industry insights with the next generation of banking professionals.