<SEC-DOCUMENT>0000759944-25-000010.txt : 20250207
<SEC-HEADER>0000759944-25-000010.hdr.sgml : 20250207
<ACCEPTANCE-DATETIME>20250207160348
ACCESSION NUMBER:		0000759944-25-000010
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250207
DATE AS OF CHANGE:		20250207
EFFECTIVENESS DATE:		20250207

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:		25601638

	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
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      <periodOfReport>12-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2024</reportCalendarOrQuarter>
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      <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>02-07-2025</signatureDate>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
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TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>982164</value><shrsOrPrnAmt><sshPrnamt>4224</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4224</Sole><Shared>0</Shared><None>4224</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>802443</value><shrsOrPrnAmt><sshPrnamt>9537</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>9537</Sole><Shared>0</Shared><None>9537</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>443913</value><shrsOrPrnAmt><sshPrnamt>10915</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>10915</Sole><Shared>0</Shared><None>10915</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>201815</value><shrsOrPrnAmt><sshPrnamt>2356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2356</Sole><Shared>0</Shared><None>2356</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-FINL</titleOfClass><cusip>81369Y605</cusip><value>18432070</value><shrsOrPrnAmt><sshPrnamt>381379</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>381379</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>1394577</value><shrsOrPrnAmt><sshPrnamt>6216</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6216</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>1544737</value><shrsOrPrnAmt><sshPrnamt>20409</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>20409</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-ENERGY</titleOfClass><cusip>81369Y506</cusip><value>1845075</value><shrsOrPrnAmt><sshPrnamt>21540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>21540</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-INDS</titleOfClass><cusip>81369Y704</cusip><value>766906</value><shrsOrPrnAmt><sshPrnamt>5820</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5820</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>31795297</value><shrsOrPrnAmt><sshPrnamt>136742</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>136742</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI HEALTHCARE</titleOfClass><cusip>81369Y209</cusip><value>2109744</value><shrsOrPrnAmt><sshPrnamt>15336</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>15336</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>551464</value><shrsOrPrnAmt><sshPrnamt>6554</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6554</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>4210792</value><shrsOrPrnAmt><sshPrnamt>103536</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>103536</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>2799525</value><shrsOrPrnAmt><sshPrnamt>35613</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>35613</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>COMMUNICATION</titleOfClass><cusip>81369Y852</cusip><value>481098</value><shrsOrPrnAmt><sshPrnamt>4970</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4970</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMLER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81684M104</cusip><value>918000</value><shrsOrPrnAmt><sshPrnamt>17000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17000</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMPRA ENERGY</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>816851109</cusip><value>2631089</value><shrsOrPrnAmt><sshPrnamt>29994</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>29994</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>5777468</value><shrsOrPrnAmt><sshPrnamt>5450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5450</Sole><Shared>0</Shared><None>5450</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>5126740</value><shrsOrPrnAmt><sshPrnamt>4836</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4836</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>824348106</cusip><value>694477</value><shrsOrPrnAmt><sshPrnamt>2043</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2043</Sole><Shared>0</Shared><None>2043</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>824348106</cusip><value>1232270</value><shrsOrPrnAmt><sshPrnamt>3625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3625</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHOPIFY INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>82509L107</cusip><value>2363503</value><shrsOrPrnAmt><sshPrnamt>22228</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>22228</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer><titleOfClass>SHS</titleOfClass><cusip>G8267P108</cusip><value>622886</value><shrsOrPrnAmt><sshPrnamt>11565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>11565</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNAP INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>83304A106</cusip><value>329584</value><shrsOrPrnAmt><sshPrnamt>30602</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>30602</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>833445109</cusip><value>3598216</value><shrsOrPrnAmt><sshPrnamt>23303</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>23303</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>842587107</cusip><value>501740</value><shrsOrPrnAmt><sshPrnamt>6095</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>6095</Sole><Shared>0</Shared><None>6095</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>842587107</cusip><value>1186811</value><shrsOrPrnAmt><sshPrnamt>14417</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>14417</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR DOW JONES INDL AVRG ETF</nameOfIssuer><titleOfClass>UT SER 1</titleOfClass><cusip>78467X109</cusip><value>2532615</value><shrsOrPrnAmt><sshPrnamt>5952</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5952</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer><titleOfClass>GOLD SHS</titleOfClass><cusip>78463V107</cusip><value>4559792</value><shrsOrPrnAmt><sshPrnamt>18832</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>18832</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer><titleOfClass>S&amp;P GBLINF ETF</titleOfClass><cusip>78463X855</cusip><value>3537667</value><shrsOrPrnAmt><sshPrnamt>59788</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>59788</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer><titleOfClass>TR UNIT</titleOfClass><cusip>78462F103</cusip><value>57718917</value><shrsOrPrnAmt><sshPrnamt>98483</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>98483</Sole><Shared>0</Shared><None>98483</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer><titleOfClass>TR UNIT</titleOfClass><cusip>78462F103</cusip><value>83304669</value><shrsOrPrnAmt><sshPrnamt>142139</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>142139</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer><titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass><cusip>78467Y107</cusip><value>21217425</value><shrsOrPrnAmt><sshPrnamt>37251</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>37251</Sole><Shared>0</Shared><None>37251</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer><titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass><cusip>78467Y107</cusip><value>5278879</value><shrsOrPrnAmt><sshPrnamt>9268</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>9268</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR SER TR</nameOfIssuer><titleOfClass>SP500 FOSL 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VALUE</titleOfClass><cusip>78464A508</cusip><value>4245646</value><shrsOrPrnAmt><sshPrnamt>83020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>83020</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer><titleOfClass>SM CAP COMPLETE</titleOfClass><cusip>78464A847</cusip><value>965825</value><shrsOrPrnAmt><sshPrnamt>17660</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>17660</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer><titleOfClass>S&amp;P REGL 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