Kristen Hartman is Senior Vice President of B2B and B2C Commercial Payments at Citizens, with more than 25 years of experience in banking, treasury management, and payment innovation. She specializes in building and scaling commercial payment solutions across checks, ACH, real-time payments, and emerging payment methods. Her experience includes product strategy, digital payments, fraud prevention, fintech partnerships, and the development of payment and account validation services. Kristen brings a practical perspective to the use of AI and emerging technology to reduce risk, improve client experiences, and modernize payments.