Freddy is a seasoned finance professional with over 8 years of experience in Cost Accounting, FP&A, Controlling, Finance Transformation and Business Support across industries such as semiconductors, digital media, manufacturing, and logistics. 

Milind Karnik is currently the Head of FP&A, pricing and profitability for the Commercial Banking division at Citizens. 

Julia Lisenenkova is a seasoned FP&A executive with over 20 years of international experience driving finance transformation, strategic planning, and M&A projects.