Hal R. Tovin, a senior marketing executive, has joined Citizens Financial Group, Providence, R.I., as executive vice president and director of marketing.

Mr. Tovin comes to Citizens with 15 years experience in marketing and advertising in the banking and packaged goods industries.

At. Citizens, Mr. Tovin has responsibility for marketing, advertising, and product development and management. He also assumes responsibility for Citizens' alternative banking delivery system - telephone customer service center, telemarketing, supermarket banking, ATMs, and debit card.

He formerly was senior vice president and director of corporate marketing at Shawmut National Corp.

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