<SEC-DOCUMENT>0000759944-24-000096.txt : 20240510
<SEC-HEADER>0000759944-24-000096.hdr.sgml : 20240510
<ACCEPTANCE-DATETIME>20240510162508
ACCESSION NUMBER:		0000759944-24-000096
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240331
FILED AS OF DATE:		20240510
DATE AS OF CHANGE:		20240510
EFFECTIVENESS DATE:		20240510

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL GROUP INC/RI
		CENTRAL INDEX KEY:			0000759944
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				050412693
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05954
		FILM NUMBER:		24935302

	BUSINESS ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
		BUSINESS PHONE:		2039006715

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <periodOfReport>03-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>03-31-2024</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>CITIZENS FINANCIAL GROUP INC/RI</name>
        <address>
          <com:street1>1 CITIZENS PLAZA</com:street1>
          <com:city>PROVIDENCE</com:city>
          <com:stateOrCountry>RI</com:stateOrCountry>
          <com:zipCode>02903</com:zipCode>
        </address>
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          <name>Clarfeld Financial Advisors, LLC,</name>
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    <signatureBlock>
      <name>David P. Russell</name>
      <title>Senior Vice President</title>
      <phone>203-900-6844</phone>
      <signature>/s/ David P. Russell</signature>
      <city>Stamford</city>
      <stateOrCountry>CT</stateOrCountry>
      <signatureDate>05-10-2024</signatureDate>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693475105</cusip><value>499425</value><shrsOrPrnAmt><sshPrnamt>3225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3225</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PPG INDS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>693506107</cusip><value>704081</value><shrsOrPrnAmt><sshPrnamt>4708</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4708</Sole><Shared>0</Shared><None>4708</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PPG INDS 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LTD</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>806857108</cusip><value>1428006</value><shrsOrPrnAmt><sshPrnamt>27441</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>27441</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>5521219</value><shrsOrPrnAmt><sshPrnamt>80250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>80250</Sole><Shared>0</Shared><None>80250</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>1303727</value><shrsOrPrnAmt><sshPrnamt>18950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>18950</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LRG CAP ETF</titleOfClass><cusip>808524201</cusip><value>207834</value><shrsOrPrnAmt><sshPrnamt>3685</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>3685</Sole><Shared>0</Shared><None>3685</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US SML CAP ETF</titleOfClass><cusip>808524607</cusip><value>2647967</value><shrsOrPrnAmt><sshPrnamt>56053</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>56053</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US BRD MKT ETF</titleOfClass><cusip>808524102</cusip><value>713875</value><shrsOrPrnAmt><sshPrnamt>12823</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>12823</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US MID-CAP ETF</titleOfClass><cusip>808524508</cusip><value>3483878</value><shrsOrPrnAmt><sshPrnamt>46254</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>46254</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>491786</value><shrsOrPrnAmt><sshPrnamt>2555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2555</Sole><Shared>0</Shared><None>2555</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI 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