Market Executive -Business Banking,
Citizens
Nuno Francisco serves as the Business Banking Market Executive at Citizens, where he leads the coverage business and has leadership responsibilities across New York, New
Jersey, Greater D.C., Florida, and California serving clients in the $1 million to $50 million revenue range. With over 25 years in financial services, Nuno is passionate about helping
businesses grow. His teams focus on building meaningful relationships, offering thoughtful financial guidance, and supporting clients through every stage of their journey.
Entrepreneurship is close to Nuno’s heart. He spends much of his time connecting with community partners and advocating for responsible business practices, especially the importance of managing the financial side of entrepreneurship with care and intention.
Before joining Citizens, Nuno spent more than a decade at Citi, where he led Business Banking for their East Region.
Outside of work, he’s proud to serve as a Board Member for RBAC (Regional Business
Assistance Corp) a nationally recognized CDC Lender serving micro and small businesses through their various loan programs, and he is the proud President of the Boys & Girls Clubs in New Jersey, the state’s leading youth development organization, impacting over 59,000 young people each year.
Cash flow—not revenue—is the defining constraint for small businesses. Yet today’s system forces SMBs to wait weeks or months to access money they’ve already earned, while relying on slow, episodic lending to fill the gap. This begs the question: Is this a lending problem or an infrastructure problem?
The panelists examine why cash flow remains broken—and what it would take to fundamentally shift from delayed access to continuous liquidity. The discussion will also include: