First Niagara Financial Group Inc., in the midst of a massive information technology upgrade, has consolidated its consumer-facing businesses to better serve its customers. The parent company of First Niagara Bank N.A. (NASDAQ: FNFG) announced that the retail banking and consumer finance groups will be combined into a single unit known as the consumer financial services team. The group will be led by Mark Rendulic, executive vice president at First Niagara who most recently oversaw the bank’s…