Citizens Financial Group, Inc. (NYSE:CFG) Q4 2021 Earnings Conference Call January 19, 2022 8:00 AM ET Company Participants Kristin Silberberg - EVP, IR Bruce Van Saun - Chairman and CEO John Woods - Vice Chairman and CFO Don McCree - Head, Commercial Banking Brendan Coughlin - Head, Consumer Banking Conference Call Participants Peter Winter - Wedbush Securities, Inc. Ken Usdin - Jefferies John Pancari - Evercore ISI Gerard Cassidy - RBC Terry McEvoy - Stephens, Inc. Operator Good morning, everyone, and wel ...