Dual Banks up front and arrays in the rear. You may want to think disruptors instead of phasers cause if the game is thinking "canon" then many npcs in that tier will probably have some resistance to phasers. But its really more which proc you prefer. Phaser can take down a random system while disruptors may knock down foes damage resistance for all your following attacks.
And shields with a cruiser go with the highest total shield and make sure you get Science Team and Emergency Power To Shields. And an Engineering team is not a bad thing. That or something to boost what ever weapons you have.
4x Phaser Beam Array, EPS Flow Regulators and power set to weapons. Circle enemy and let go of your broadside. Will cut through anyone at a fast pace, cruisers excel at broadsides. Covariant shields are great for the cruisers, especially if you can find [Cap]x2 ones. You just need a buffer, recharge rate doesn't matter much as you got plenty of healing.