First-Citizens Bank & Trust Company Executive and Leadership Team

Frank Holding, the Chairman & Chief Executive Officer at First-Citizens Bank & Trust Company, directs the overarching strategic vision and long-term growth initiatives for the institution. Overseeing the executive leadership team, the Chairman & Chief Executive Officer ensures alignment between corporate objectives and the diverse financial needs of retail and commercial clients. This leadership role involves navigating complex regulatory environments while expanding the bank's footprint across the United States. By prioritizing sustainable capital allocation and prudent risk management, Frank Holding maintains the institution's reputation for stability since its inception in 1898. The Chairman & Chief Executive Officer fosters a culture of excellence that permeates the entire branch network and digital banking infrastructure. Through consistent focus on shareholder value and client satisfaction, Holding drives the organization toward continued market leadership in the competitive financial services sector.

Craig Nix, the Chief Financial Officer at First-Citizens Bank & Trust Company, manages the financial health and capital structure of the organization. Overseeing treasury management, financial reporting, and investment advisory services, the Chief Financial Officer ensures rigorous fiscal discipline across all business units. This leadership role involves analyzing market trends to optimize the bank's extensive loan portfolio, including commercial and residential mortgages. By directing capital planning and liquidity management, Craig Nix supports the institution's ability to provide consistent value to stakeholders. The Chief Financial Officer works closely with the Board to evaluate strategic acquisitions and organic growth opportunities within the United States. Through precise financial forecasting and expense control, Nix maintains the bank's strong balance sheet, providing the necessary foundation for long-term expansion and the delivery of comprehensive wealth management services.

Robert Gleichmann, the Director and Chief Financial Officer of Citizens Institutional Asset Management at First-Citizens Bank & Trust Company, oversees the financial operations and strategic direction of the institutional asset management division. Managing complex trust administration and investment advisory portfolios, the Director and Chief Financial Officer of Citizens Institutional Asset Management ensures compliance with fiduciary standards and regulatory requirements. This role involves optimizing investment performance for institutional clients while maintaining alignment with the bank's broader risk appetite. By directing the financial planning for asset management services, Robert Gleichmann supports the growth of fee-based revenue streams. The Director and Chief Financial Officer of Citizens Institutional Asset Management collaborates with wealth management teams to provide tailored solutions for diverse client needs. Through disciplined financial oversight, Gleichmann enhances the competitive positioning of the bank's institutional offerings across national markets.

Laura Wallwork, the Division Chief Financial Officer, Operations & Technology at First-Citizens Bank & Trust Company, manages the financial performance and resource allocation for the operations and technology divisions. Overseeing the budgeting and cost management for digital platforms and infrastructure, the Division Chief Financial Officer, Operations & Technology ensures that technological investments yield measurable business value. This role involves analyzing the financial impact of operational changes and providing the data-driven insights necessary for strategic planning. By directing the financial oversight of the bank's technology stack, Laura Wallwork supports the institution's commitment to digital innovation and operational efficiency. The Division Chief Financial Officer, Operations & Technology collaborates with the Chief Technology Officer to balance innovation with fiscal responsibility. Through rigorous financial management, Wallwork ensures that the bank's operational and technological foundations remain robust, scalable, and aligned with long-term financial objectives.

Quyen Hy, the Commercial Bank Chief Operating Officer Team at First-Citizens Bank & Trust Company, directs the operational execution of commercial banking services. Overseeing the delivery of treasury management and merchant services, the Commercial Bank Chief Operating Officer Team ensures that business clients receive efficient and reliable financial support. This role involves optimizing the operational processes that underpin commercial lending and deposit products. By managing the day-to-day functions of the commercial banking division, Quyen Hy enables the bank to meet the complex needs of its corporate customers across various states. The Commercial Bank Chief Operating Officer Team collaborates with sales and product teams to enhance service delivery and operational throughput. Through a focus on process improvement and service quality, Hy supports the bank's growth in the commercial sector, ensuring that operational capabilities align with the evolving demands of the business market.

Tony Moscrop, the Chief Technology Officer at First-Citizens Bank & Trust Company, architects the digital transformation strategy required to support modern banking operations. Managing the integration of secure digital platforms and ATM networks, the Chief Technology Officer ensures seamless access for customers across all regional markets. This role involves overseeing cybersecurity protocols and the modernization of core banking systems to enhance operational efficiency. By implementing scalable cloud infrastructure and data analytics, Tony Moscrop enables the bank to deliver personalized financial services at scale. The Chief Technology Officer collaborates with other C-suite leaders to align technological investments with the broader business goals of the institution. Through continuous innovation in fintech applications, Moscrop secures the bank's competitive edge in an increasingly digital-first financial landscape, ensuring robust performance across all electronic banking channels.

Caitlin Bertha, the Head To The of Credit Administration & Infrastructure Chief of Staff at First-Citizens Bank & Trust Company, directs the operational framework for credit risk management and internal infrastructure. Overseeing the credit administration processes, the Head To The of Credit Administration & Infrastructure Chief of Staff ensures that loan underwriting standards remain consistent with the bank's risk management policies. This role involves coordinating cross-functional initiatives to streamline infrastructure support for commercial and consumer lending activities. By managing the flow of information and strategic priorities, Caitlin Bertha enables the executive team to execute key business objectives efficiently. The Head To The of Credit Administration & Infrastructure Chief of Staff facilitates communication between departments to ensure operational readiness across the nationwide branch network. Through rigorous oversight of credit infrastructure, Bertha supports the bank's commitment to sound lending practices and sustainable portfolio growth.

Kristina Osores-Evans, the CIOO Chief of Staff at First-Citizens Bank & Trust Company, manages the strategic alignment and operational execution for the Chief Information and Operations Office. Overseeing the integration of technology and operational workflows, the CIOO Chief of Staff ensures that internal processes support the bank's service delivery goals. This role involves coordinating high-priority projects that span across digital banking platforms and physical branch operations. By facilitating communication and resource allocation, Kristina Osores-Evans enables the leadership team to drive efficiency and innovation. The CIOO Chief of Staff works to remove operational bottlenecks, ensuring that the bank's technology and operations teams remain synchronized with corporate strategy. Through proactive management of key initiatives, Osores-Evans supports the bank's ability to scale its services effectively across multiple states, maintaining high standards of operational excellence and customer service.

Justin Simone, the Senior Vice President and Senior Director, Business Planning Strategy and Support (Chief of Staff) at First-Citizens Bank & Trust Company, architects the long-term business planning and strategic support functions. Overseeing the development of growth strategies, the Senior Vice President and Senior Director, Business Planning Strategy and Support (Chief of Staff) ensures that all business units remain aligned with the bank's overarching mission. This role involves analyzing market opportunities and providing the analytical support necessary for informed decision-making at the executive level. By directing strategic planning initiatives, Justin Simone helps the organization adapt to changing financial landscapes and customer demands. The Senior Vice President and Senior Director, Business Planning Strategy and Support (Chief of Staff) collaborates with various departments to implement support structures that enhance overall productivity. Through strategic foresight, Simone drives the bank's competitive positioning and operational success.

West Ludwig, the Chief Human Resources Officer at First-Citizens Bank & Trust Company, directs the talent management, organizational development, and employee engagement strategies. Overseeing the human capital requirements for a nationwide workforce, the Chief Human Resources Officer ensures that the bank attracts and retains the expertise necessary to deliver comprehensive banking services. This role involves designing compensation structures, training programs, and performance management systems that align with the bank's corporate culture. By fostering an inclusive and high-performing work environment, West Ludwig supports the bank's ability to provide exceptional service to retail and commercial customers. The Chief Human Resources Officer collaborates with other leaders to ensure that organizational design supports the bank's strategic goals. Through effective human resources management, Ludwig drives employee productivity and organizational resilience, ensuring the bank remains a preferred employer in the financial services industry.