John Ficalora

John Ficalora is a seasoned professional in risk management and sponsorship oversight, currently serving as VP of the Sponsorship Oversight Team at Citizens since May 2023. Ficalora previously held the position of VP, Merchant Acquiring Program - Risk Officer at BayCoast Bank, where responsibilities included managing high-risk merchant reviews and compliance policies. Prior roles include VP of Global Risk Management at First Data / Bank of America Merchant Services, Senior Risk Project Manager at First Data Corporation, and VP of Merchant Services Operations Risk Manager at Merrick Bank, where oversight was provided for a significant merchant portfolio. Ficalora's extensive experience in credit policy, fraud detection, and team management is underscored by a Bachelor's degree in Business Management from Farmingdale State College.