Citizens today announced Citizens Treasury Intelligence™, a new digital platform for commercial banking clients that offers multi-bank cash visibility, analytics, forecasting and workflow tools designed to help businesses manage liquidity with greater confidence.

The platform shows where a client’s cash is today and forecasts where it is going, providing a consolidated view of cash across all of a client’s banking relationships. A basic version of the platform will be available at no cost to eligible accessOPTIMA^® information reporting clients. AccessOPTIMA^® is Citizens' treasury management and reporting platform. Paid tiers are available for clients with greater treasury needs.

Highlights

• Citizens Treasury Intelligence™ provides multi-bank cash visibility, forecasting, analytics and treasury workflow tools.
• Basic version available for free to eligible accessOPTIMA^® information reporting clients with paid tiers for expanded capabilities.
• Partnership combining Citizens' treasury expertise, Trovata's fintech platform and Mastercard's banking ecosystem with full rollout in Q1 2027.

"Treasury teams are managing more information across more banking relationships, and too much of that work happens manually. Citizens Treasury Intelligence™ is designed to give clients a seamless view of their cash and help them make better, faster liquidity decisions without adding another standalone platform to manage,” said Mike Cummins, Executive Vice President, Head of Treasury & Wholesale Payments at Citizens.

Many organizations continue to manage treasury operations through a combination of portals and spreadsheets, adding friction to decisions that depend on timely information. Citizens Treasury Intelligence™ supports automated aggregation and categorization of data across multiple banks, helping treasury teams analyze cash flow trends, forecast liquidity more efficiently and move faster when business conditions change.

The Citizens Treasury Intelligence™ solution is a partnership combining Citizens' treasury expertise, Trovata's fintech platform and Mastercard's banking ecosystem. It is part of Citizens’ ongoing effort to deliver seamless, strategic treasury solutions that help clients optimize cash flow, manage complexity and focus on what comes next for their business.

“Mastercard research shows that more than half of mid-market businesses see multi-bank cash visibility (60%) and cash flow forecasting (52%) as critical to their success,” said Mike Kresse, EVP, Commercial & New Payment Flows, Mastercard, North America. “Yet, many still lack access to the tools and insights needed to forecast with confidence. Through our work with Citizens, we're bringing sophisticated forecasting capabilities to more businesses, helping them improve decision-making and unlock growth.”

"Trovata's partnership with Citizens is an industry gamechanger that leverages AI-native infrastructure, while meeting the requirements for governance, security and risk for the bank and its clients,” said Brett Turner, founder and CEO of Trovata. “Citizens is differentiating with a next-gen digital experience to manage cash and liquidity for finance and treasury teams of every size, inside a Citizens relationship they already trust.”

Citizens is offering Citizens Treasury Intelligence™ to eligible accessOPTIMA^® information reporting clients in Q1 2027. By making advanced treasury tools more accessible through an existing Citizens relationship, the platform is designed to meet clients where they are while giving them a path to deeper capabilities.

Frequently Asked Questions

What is Citizens Treasury Intelligence™?

Citizens Treasury Intelligence™ gives commercial banking clients a current-day and forward-looking view of cash across all their banks, replacing the manual work of pulling data from multiple portals and spreadsheets. Citizens serves commercial clients across industries ranging from middle-market businesses to large corporations.

What makes Citizens Treasury Intelligence™ different from other treasury platforms?

The platform provides multi-bank visibility, giving clients a forecasting view that spans across banking relationships. Citizens Treasury Intelligence™ is also delivered directly through Citizens, with Trovata's technology and Mastercard's ecosystem support built in. Clients gain access automatically based on their existing accessOPTIMA^® eligibility rather than going through a new sales and implementation process.

Who can use Citizens Treasury Intelligence™?

Citizens Treasury Intelligence™ will be available to eligible accessOPTIMA^® information reporting clients, with full rollout expected in Q1 2027.

About Citizens Financial Group, Inc.
Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $234.5 billion in assets as of September 30, 2026. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail, private banking, wealth management and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a full-service customer contact center and the convenience of approximately 3,000 ATMs and approximately 1,000 branches in 14 states and the District of Columbia. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. Consumer Banking includes Citizens Private Bank & Private Wealth, which integrate banking services and wealth management solutions to serve high- and ultra-high-net-worth individuals and families, as well as investors, entrepreneurs and businesses. In Commercial Banking, Citizens offers a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. More information is available at www.citizensbank.com or visit us on X, LinkedIn or Facebook.

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