John F. Woods is the Vice Chairman and Chief Financial Officer at Citizens. As Chief Financial Officer, he has responsibility for Financial Planning and Analysis, Controller, Investor Relations, Strategy, Treasury, Tax and Capital Management functions as well as for the business line finance groups. Woods joined Citizens from Mitsubishi UFJ Financial Group, Inc. (MUFG), where he served as Chief Financial Officer of the MUFG Americas Holdings Corporation, which operates MUFG Union Bank, since 2013. He previously served as Vice Chairman and Chief Financial Officer for the predecessor company of MUFG Union Bank since December 2009. Prior to that, Woods was Chief Financial Officer of the Home Lending business at JPMorgan Chase and at Washington Mutual, a predecessor entity. Before that, he held senior financial positions at the Federal Home Loan Mortgage Corporation (Freddie Mac), including Chief Financial Officer of the Funding & Investment Division and Corporate Controller. Woods began his career in 1986 with Arthur Andersen where he rose to partner in the financial and risk consulting group during his 16 years with the firm. He holds a Bachelor of Science degree in Commerce from the University of Virginia at Charlottesville.