SPOTIFY

APPLE PODCAST

GOOGLE PODCAST

The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

Season 1

Season 2

Season 3

Good Things Happen is a podcast from Citi that addresses some of the greatest challenges facing the investing world and asks how we can come together to solve them. The sharpest minds from finance and beyond join host Jorian Murray to debate some of the biggest questions of our time .

Good Things Happen, Season 1

Transcript

They may just be three simple letters, but for companies around the world, ESG has become a fundamental measure of how they operate. And in today’s investment landscape, it’s essential for success. So how can companies achieve the lofty sustainability goals they’ve set for themselves? Let’s find out. The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

They may just be three simple letters, but for companies around the world, ESG has become a fundamental measure of how they operate. And in today&rsquo;s investment landscape, it&rsquo;s essential for success. So how can companies achieve the lofty sustainability goals they&rsquo;ve set for themselves? Let&rsquo;s find out.&nbsp;
&nbsp;
The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.&nbsp;

Bio: Harlin Singh, Global Head of Sustainable Investing, Citi Private Bank  As Global Head of Sustainable Investing at Citi Private Bank, Harlin Singh works across Citi’s investment divisions to develop and embed a global framework along the full spectrum of sustainability — Environmental, Social and Governance (ESG) integration, Socially Responsible, Thematic and Impact investments — to ensure the integration of sustainable practices aligns with Citi’s best thinking on portfolio management, research and asset allocation. Harlin is an observing member of the Global Investment Committee and oversees Investing with Purpose, the Private Bank’s sustainable investing platform. She is also a representative on Citi’s Net Zero Task Force to help Citi reach its goal of net zero emissions by 2050.
Prior to joining Citi in 2017, Harlin served as Associate Director of Innovative Finance at the Milken Institute, where she brought together private and public sector leaders to design and recommend investment structures to address funding gaps in the social sector. Prior to the Milken Institute, she spent over five years as a Capital Markets and Foreign Exchange Specialist, advising ultra high net worth individuals and family offices at Deutsche Bank and Citi.
Harlin began her career at Lehman Brothers, where she spent six-plus years working with high net worth individuals, corporations, hedge funds and private equity firms on complex foreign exchange transactions.
Harlin received her undergraduate degree in Finance from Rutgers University and her Masters in Public Administration from New York University. She also served as an Adjunct Professor of Impact Investing at USC’s Marshall School of Business. She holds FINRA Series 7, 31 and 66 licenses.

As Global Head of Sustainable Investing at Citi Private Bank, Harlin Singh works across Citi’s investment divisions to develop and embed a global framework along the full spectrum of sustainability — Environmental, Social and Governance (ESG) integration, Socially Responsible, Thematic and Impact investments — to ensure the integration of sustainable practices aligns with Citi’s best thinking on portfolio management, research and asset allocation. Harlin is an observing member of the Global Investment Committee and oversees Investing with Purpose, the Private Bank’s sustainable investing platform. She is also a representative on Citi’s Net Zero Task Force to help Citi reach its goal of net zero emissions by 2050.
Prior to joining Citi in 2017, Harlin served as Associate Director of Innovative Finance at the Milken Institute, where she brought together private and public sector leaders to design and recommend investment structures to address funding gaps in the social sector. Prior to the Milken Institute, she spent over five years as a Capital Markets and Foreign Exchange Specialist, advising ultra high net worth individuals and family offices at Deutsche Bank and Citi.
Harlin began her career at Lehman Brothers, where she spent six-plus years working with high net worth individuals, corporations, hedge funds and private equity firms on complex foreign exchange transactions.
Harlin received her undergraduate degree in Finance from Rutgers University and her Masters in Public Administration from New York University. She also served as an Adjunct Professor of Impact Investing at USC’s Marshall School of Business. She holds FINRA Series 7, 31 and 66 licenses.

Bio: Harlin Singh, Global Head of Sustainable Investing, Citi Private Bank 

Bio: Davida Heller, Director and Head of Sustainability Strategy at Citi to discuss the rise of ESG investing. Davida is Director and Head of Sustainability Strategy at Citi. Her work centers on the development and execution of Citi’s sustainability initiatives and programs, including the bank’s Sustainable Progress Strategy and $1 trillion sustainable finance commitment by 2030. She engages with company-wide global business functions, regional banking teams and external stakeholders to advise and build company-wide awareness of ESG, sustainability and climate related trends, opportunities and risks.
Prior to joining Citi in 2014, Davida was Head of Member Engagement at The Climate Group, a non-profit organization dedicated to driving action to create a net-zero emission global economy, where she worked with Fortune 500 companies on greenhouse gas emissions reduction initiatives.
Before that she was at The Earth Institute at Columbia University and managed corporate relations and oversaw professional development for the institute’s sustainability-related education programs. Previously, she worked in consulting and feature film production and development.
Davida serves on the board of the New York League of Conservation Voters Education Fund and The Last Animals Foundation. She has an M.S. from Columbia University in sustainability management and a B.A. in media studies from George Washington University.

Davida is Director and Head of Sustainability Strategy at Citi. Her work centers on the development and execution of Citi’s sustainability initiatives and programs, including the bank’s Sustainable Progress Strategy and $1 trillion sustainable finance commitment by 2030. She engages with company-wide global business functions, regional banking teams and external stakeholders to advise and build company-wide awareness of ESG, sustainability and climate related trends, opportunities and risks.
Prior to joining Citi in 2014, Davida was Head of Member Engagement at The Climate Group, a non-profit organization dedicated to driving action to create a net-zero emission global economy, where she worked with Fortune 500 companies on greenhouse gas emissions reduction initiatives.
Before that she was at The Earth Institute at Columbia University and managed corporate relations and oversaw professional development for the institute’s sustainability-related education programs. Previously, she worked in consulting and feature film production and development.
Davida serves on the board of the New York League of Conservation Voters Education Fund and The Last Animals Foundation. She has an M.S. from Columbia University in sustainability management and a B.A. in media studies from George Washington University.

Bio: Davida Heller, Director and Head of Sustainability Strategy at Citi to discuss the rise of ESG investing.

Disclaimers
Citi Private bank
The unauthorized copying, re-broadcasting, downloading, distribution, storing, recording or saving of this copyrighted content in any medium whatsoever without the express written permission from Citi Global Wealth Investments is strictly prohibited. <a href="https://www.privatebank.citibank.com/ivc/docs/CGWI_ImportantInformation.pdf" target="_blank" rel="noopener">Click here to view important disclaimers</a>. Citi Global Wealth Investments (&ldquo;CGWI&rdquo;) is comprised of the Investments and Capital Markets capabilities of Citi Private Bank, Citi Personal Wealth Management and International Personal Bank U.S. Citi Private Bank and Citi Personal Wealth Management are businesses of Citigroup Inc. (&ldquo;Citigroup&rdquo;), which provide clients access to a broad array of products and services available through bank and non-bank afﬁliates of Citigroup. Not all products and services are provided by all afﬁliates or are available at all locations. In the U.S., investment products and services are provided by Citigroup Global Markets Inc. (&ldquo;CGMI&rdquo;), member FINRA and SIPC, and Citi Private Advisory, LLC (&ldquo;Citi Advisory&rdquo;), member FINRA and SIPC. CGMI accounts are carried by Pershing LLC, member FINRA, NYSE, SIPC. Citi Advisory acts as distributor of certain alternative investment products to clients of Citi Private Bank. Insurance is offered by Citi Personal Wealth Management through Citigroup Life Agency LLC (&ldquo;CLA&rdquo;). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, Citi Advisory, CLA and Citibank, N.A. are afﬁliated companies under the common control of Citigroup. Outside the U.S., investment products and services are provided by other Citigroup afﬁliates. Investment Management services (including portfolio management) are available through CGMI, Citi Advisory, Citibank, N.A. and other afﬁliated advisory businesses. These Citigroup affiliates, including Citi Advisory, will be compensated for the respective investment management, advisory, administrative, distribution and placement services they may provide.

They may just be three simple letters, but for companies around the world, ESG has become a fundamental measure of how they operate. And in today’s investment landscape, it’s essential for success. So how can companies achieve the lofty sustainability goals they’ve set for themselves? Let’s find out. The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Harlin Singh, Global Head of Sustainable Investing, Citi Private Bank As Global Head of Sustainable Investing at Citi Private Bank, Harlin Singh works across Citi’s investment divisions to develop and embed a global framework along the full spectrum of sustainability — Environmental, Social and Governance (ESG) integration, Socially Responsible, Thematic and Impact investments — to ensure the integration of sustainable practices aligns with Citi’s best thinking on portfolio management, research and asset allocation. Harlin is an observing member of the Global Investment Committee and oversees Investing with Purpose, the Private Bank’s sustainable investing platform. She is also a representative on Citi’s Net Zero Task Force to help Citi reach its goal of net zero emissions by 2050.
Prior to joining Citi in 2017, Harlin served as Associate Director of Innovative Finance at the Milken Institute, where she brought together private and public sector leaders to design and recommend investment structures to address funding gaps in the social sector. Prior to the Milken Institute, she spent over five years as a Capital Markets and Foreign Exchange Specialist, advising ultra high net worth individuals and family offices at Deutsche Bank and Citi.
Harlin began her career at Lehman Brothers, where she spent six-plus years working with high net worth individuals, corporations, hedge funds and private equity firms on complex foreign exchange transactions.
Harlin received her undergraduate degree in Finance from Rutgers University and her Masters in Public Administration from New York University. She also served as an Adjunct Professor of Impact Investing at USC’s Marshall School of Business. She holds FINRA Series 7, 31 and 66 licenses. Bio: Davida Heller, Director and Head of Sustainability Strategy at Citi to discuss the rise of ESG investing. Davida is Director and Head of Sustainability Strategy at Citi. Her work centers on the development and execution of Citi’s sustainability initiatives and programs, including the bank’s Sustainable Progress Strategy and $1 trillion sustainable finance commitment by 2030. She engages with company-wide global business functions, regional banking teams and external stakeholders to advise and build company-wide awareness of ESG, sustainability and climate related trends, opportunities and risks.
Prior to joining Citi in 2014, Davida was Head of Member Engagement at The Climate Group, a non-profit organization dedicated to driving action to create a net-zero emission global economy, where she worked with Fortune 500 companies on greenhouse gas emissions reduction initiatives.
Before that she was at The Earth Institute at Columbia University and managed corporate relations and oversaw professional development for the institute’s sustainability-related education programs. Previously, she worked in consulting and feature film production and development.
Davida serves on the board of the New York League of Conservation Voters Education Fund and The Last Animals Foundation. She has an M.S. from Columbia University in sustainability management and a B.A. in media studies from George Washington University. Disclaimers
Citi Private bank
The unauthorized copying, re-broadcasting, downloading, distribution, storing, recording or saving of this copyrighted content in any medium whatsoever without the express written permission from Citi Global Wealth Investments is strictly prohibited. <a href="https://www.privatebank.citibank.com/ivc/docs/CGWI_ImportantInformation.pdf" target="_blank" rel="noopener">Click here to view important disclaimers</a>. Citi Global Wealth Investments (&ldquo;CGWI&rdquo;) is comprised of the Investments and Capital Markets capabilities of Citi Private Bank, Citi Personal Wealth Management and International Personal Bank U.S. Citi Private Bank and Citi Personal Wealth Management are businesses of Citigroup Inc. (&ldquo;Citigroup&rdquo;), which provide clients access to a broad array of products and services available through bank and non-bank afﬁliates of Citigroup. Not all products and services are provided by all afﬁliates or are available at all locations. In the U.S., investment products and services are provided by Citigroup Global Markets Inc. (&ldquo;CGMI&rdquo;), member FINRA and SIPC, and Citi Private Advisory, LLC (&ldquo;Citi Advisory&rdquo;), member FINRA and SIPC. CGMI accounts are carried by Pershing LLC, member FINRA, NYSE, SIPC. Citi Advisory acts as distributor of certain alternative investment products to clients of Citi Private Bank. Insurance is offered by Citi Personal Wealth Management through Citigroup Life Agency LLC (&ldquo;CLA&rdquo;). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, Citi Advisory, CLA and Citibank, N.A. are afﬁliated companies under the common control of Citigroup. Outside the U.S., investment products and services are provided by other Citigroup afﬁliates. Investment Management services (including portfolio management) are available through CGMI, Citi Advisory, Citibank, N.A. and other afﬁliated advisory businesses. These Citigroup affiliates, including Citi Advisory, will be compensated for the respective investment management, advisory, administrative, distribution and placement services they may provide.

On the premiere episode of “Good Things Happen,” we’re joined by Citi’s sustainability experts, Harlin Singh, Global Head of Sustainable Investing, Citi Private Bank  and Davida Heller, Director and Head of Sustainability Strategy at Citi to discuss the rise of ESG investing.

Good Things Happen Episode 1: Environmental Economics 

Transcript 

On this episode of “Good Things Happen,” we welcome Naz Vahid, Global Head of Citi Global Wealth at Work, and Scott Stimpfel, Global HR Head for Citi ICG Business Solutions Group. Naz and Scott bring decades of experience with the core of this subject: the people. In this discussion, we leave no work-related stone unturned, covering the importance of a well-rounded and diverse team, the role of technology in mentoring top talent and the inevitable turnover that all organizations must adjust for. The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

On this episode of &ldquo;Good Things Happen,&rdquo; we welcome Naz Vahid, Global Head of Citi Global Wealth at Work, and Scott Stimpfel, Global HR Head for Citi ICG Business Solutions Group.
Naz and Scott bring decades of experience with the core of this subject: the people. In this discussion, we leave no work-related stone unturned, covering the importance of a well-rounded and diverse team, the role of technology in mentoring top talent and the inevitable turnover that all organizations must adjust for.
&nbsp;
The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.&nbsp; &nbsp;

Bio: Scott Stimpfel, Global Head HR, Citi ICG Business Solutions Group Scott Stimpfel is the Global Head of Human Resources for Citi’s ICG Business Solutions Group, which encompasses ICG Risk & Controls, Client Analytics, Business Development, and Chairpersons. Previously, he was the Global Head of Learning & Development for Citi’s Banking, Capital Markets, and Advisory. Prior to joining Citi, Scott held Assistant Dean and Associate Dean appointments at New York University. He began his career in investment banking and was a Vice President at Lehman Brothers in New York. 
Scott is committed to identifying and advancing leadership best practices that emerge at the intersection of ethics, D&I, and the future of work. He is an Executive in Residence at the USC Race and Equity Center. Scott is a member of the Education and Industry Forum on Financial Services Culture, a cross-disciplinary group, that develops and shares best practices for fostering an ethical culture in the financial services industry. He has taught at NYU Stern’s Business & Society Program where his courses explored the intersection of ethics, professional responsibility, and leadership. 
Scott’s social impact efforts focus on organizations that engage low-income students to achieve their academic and professional dreams. He sits on the Kingsborough Community College Foundation Board. For his work with community college students, Scott received the Manhattan Institute's Social Entrepreneur of the Year Award. 
Scott attended Pasadena City College and graduated from the University of Southern California, summa cum laude, with a B.S. in Business Administration. He earned an M.B.A. with a dual specialization in Corporate Finance and Entrepreneurship & Innovation from New York University’s Stern School of Business. Scott holds a doctorate in Educational Leadership from the University of Pennsylvania’s Graduate School of Education. 

Scott Stimpfel is the Global Head of Human Resources for Citi’s ICG Business Solutions Group, which encompasses ICG Risk & Controls, Client Analytics, Business Development, and Chairpersons. Previously, he was the Global Head of Learning & Development for Citi’s Banking, Capital Markets, and Advisory. Prior to joining Citi, Scott held Assistant Dean and Associate Dean appointments at New York University. He began his career in investment banking and was a Vice President at Lehman Brothers in New York. 
Scott is committed to identifying and advancing leadership best practices that emerge at the intersection of ethics, D&I, and the future of work. He is an Executive in Residence at the USC Race and Equity Center. Scott is a member of the Education and Industry Forum on Financial Services Culture, a cross-disciplinary group, that develops and shares best practices for fostering an ethical culture in the financial services industry. He has taught at NYU Stern’s Business & Society Program where his courses explored the intersection of ethics, professional responsibility, and leadership. 
Scott’s social impact efforts focus on organizations that engage low-income students to achieve their academic and professional dreams. He sits on the Kingsborough Community College Foundation Board. For his work with community college students, Scott received the Manhattan Institute's Social Entrepreneur of the Year Award. 
Scott attended Pasadena City College and graduated from the University of Southern California, summa cum laude, with a B.S. in Business Administration. He earned an M.B.A. with a dual specialization in Corporate Finance and Entrepreneurship & Innovation from New York University’s Stern School of Business. Scott holds a doctorate in Educational Leadership from the University of Pennsylvania’s Graduate School of Education. 

Bio: Scott Stimpfel, Global Head HR, Citi ICG Business Solutions Group

Bio: Mehnaz 'Naz' Vahid, Global Head of Citi Global Wealth at Work Naz Vahid is a Managing Director and Head of Citi Global Wealth at Work. In this role, Naz and her team provide tailored financial solutions to working professionals within the legal, asset management and professional services industries.
Prior to this, Naz served as the Head of the Law Firm Group for Citi Private Bank. In this role she was responsible for the 14 offices in the United States and UK that serve Law Firms, their Partners and Associates. The group has around 200 professionals that provide a range of financial services to more than 40,000 attorneys across approximately 650 law firms. Naz also served as the Head of the Citi Private Bank Diversity Program, working with the committee and ICG Diversity to increase awareness across many areas and was responsible for setting up Citi Private Bank’s Mentorship Program. Prior to leading the Law Firm Group, she was the Global Market Manager for the East Coast and London responsible for six Law Firm Group offices.
Before this, she was a Senior Private Banker for more than 15 years, handling some of the largest client relationships in the Private Bank. Naz is formally credit trained, and prior to her role as a Private Banker, worked as a Private Bank Credit Officer and also as an analyst. Naz holds a graduate degree in International Relations and Finance from Columbia University School of International Affairs and undergraduate degrees in Economics and Sociology from Hobart and Williams Smith Colleges.
Outside of her responsibilities at Citi, she is the member of board of Hobart & William Smith Colleges as well as the Tahirih Justice Center. She also sponsors scholarships both at Lynbrook High School and Hobart and William Smith Colleges for first generation immigrant students pursuing higher education in the United States. In her free time, Naz enjoys reading and painting.


Naz Vahid is a Managing Director and Head of Citi Global Wealth at Work. In this role, Naz and her team provide tailored financial solutions to working professionals within the legal, asset management and professional services industries.
Prior to this, Naz served as the Head of the Law Firm Group for Citi Private Bank. In this role she was responsible for the 14 offices in the United States and UK that serve Law Firms, their Partners and Associates. The group has around 200 professionals that provide a range of financial services to more than 40,000 attorneys across approximately 650 law firms. Naz also served as the Head of the Citi Private Bank Diversity Program, working with the committee and ICG Diversity to increase awareness across many areas and was responsible for setting up Citi Private Bank’s Mentorship Program. Prior to leading the Law Firm Group, she was the Global Market Manager for the East Coast and London responsible for six Law Firm Group offices.
Before this, she was a Senior Private Banker for more than 15 years, handling some of the largest client relationships in the Private Bank. Naz is formally credit trained, and prior to her role as a Private Banker, worked as a Private Bank Credit Officer and also as an analyst. Naz holds a graduate degree in International Relations and Finance from Columbia University School of International Affairs and undergraduate degrees in Economics and Sociology from Hobart and Williams Smith Colleges.
Outside of her responsibilities at Citi, she is the member of board of Hobart & William Smith Colleges as well as the Tahirih Justice Center. She also sponsors scholarships both at Lynbrook High School and Hobart and William Smith Colleges for first generation immigrant students pursuing higher education in the United States. In her free time, Naz enjoys reading and painting.


Bio: Mehnaz 'Naz' Vahid, Global Head of Citi Global Wealth at Work

On this episode of “Good Things Happen,” we welcome Naz Vahid, Global Head of Citi Global Wealth at Work, and Scott Stimpfel, Global HR Head for Citi ICG Business Solutions Group. Naz and Scott bring decades of experience with the core of this subject: the people. In this discussion, we leave no work-related stone unturned, covering the importance of a well-rounded and diverse team, the role of technology in mentoring top talent and the inevitable turnover that all organizations must adjust for. The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Scott Stimpfel, Global Head HR, Citi ICG Business Solutions Group Scott Stimpfel is the Global Head of Human Resources for Citi’s ICG Business Solutions Group, which encompasses ICG Risk & Controls, Client Analytics, Business Development, and Chairpersons. Previously, he was the Global Head of Learning & Development for Citi’s Banking, Capital Markets, and Advisory. Prior to joining Citi, Scott held Assistant Dean and Associate Dean appointments at New York University. He began his career in investment banking and was a Vice President at Lehman Brothers in New York. 
Scott is committed to identifying and advancing leadership best practices that emerge at the intersection of ethics, D&I, and the future of work. He is an Executive in Residence at the USC Race and Equity Center. Scott is a member of the Education and Industry Forum on Financial Services Culture, a cross-disciplinary group, that develops and shares best practices for fostering an ethical culture in the financial services industry. He has taught at NYU Stern’s Business & Society Program where his courses explored the intersection of ethics, professional responsibility, and leadership. 
Scott’s social impact efforts focus on organizations that engage low-income students to achieve their academic and professional dreams. He sits on the Kingsborough Community College Foundation Board. For his work with community college students, Scott received the Manhattan Institute's Social Entrepreneur of the Year Award. 
Scott attended Pasadena City College and graduated from the University of Southern California, summa cum laude, with a B.S. in Business Administration. He earned an M.B.A. with a dual specialization in Corporate Finance and Entrepreneurship & Innovation from New York University’s Stern School of Business. Scott holds a doctorate in Educational Leadership from the University of Pennsylvania’s Graduate School of Education.  Bio: Mehnaz 'Naz' Vahid, Global Head of Citi Global Wealth at Work Naz Vahid is a Managing Director and Head of Citi Global Wealth at Work. In this role, Naz and her team provide tailored financial solutions to working professionals within the legal, asset management and professional services industries.
Prior to this, Naz served as the Head of the Law Firm Group for Citi Private Bank. In this role she was responsible for the 14 offices in the United States and UK that serve Law Firms, their Partners and Associates. The group has around 200 professionals that provide a range of financial services to more than 40,000 attorneys across approximately 650 law firms. Naz also served as the Head of the Citi Private Bank Diversity Program, working with the committee and ICG Diversity to increase awareness across many areas and was responsible for setting up Citi Private Bank’s Mentorship Program. Prior to leading the Law Firm Group, she was the Global Market Manager for the East Coast and London responsible for six Law Firm Group offices.
Before this, she was a Senior Private Banker for more than 15 years, handling some of the largest client relationships in the Private Bank. Naz is formally credit trained, and prior to her role as a Private Banker, worked as a Private Bank Credit Officer and also as an analyst. Naz holds a graduate degree in International Relations and Finance from Columbia University School of International Affairs and undergraduate degrees in Economics and Sociology from Hobart and Williams Smith Colleges.
Outside of her responsibilities at Citi, she is the member of board of Hobart & William Smith Colleges as well as the Tahirih Justice Center. She also sponsors scholarships both at Lynbrook High School and Hobart and William Smith Colleges for first generation immigrant students pursuing higher education in the United States. In her free time, Naz enjoys reading and painting.


Is remote working here to stay? Is it possible to build a strong team culture over Zoom? And how do the best companies adapt  when those key players leave for  other opportunities? As companies like Citi work to build a future-proof company, how they approach this evolving work environment will play a vital part in their  success.

Good Things Happen Episode 2: Future of Work

On this episode of “Good Things Happen,” we’re joined by Emily Turner, Head of Business Development for the Citi Institutional Clients Group, and Arjun Viswanathan, Head of Data Science, Markets at Citi to get their perspective. Emily and Arjun are forging new ground at Citi with their focus on innovation, looking for ways to simplify internal processes and make room for everyone to participate in the process and create the next genius idea. Listen in as they discuss the impact of their work and democratizing the “innovation” process. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

<h2>On this episode of &ldquo;Good Things Happen,&rdquo; we&rsquo;re joined by Emily Turner, Head of Business Development for the Citi Institutional Clients Group, and Arjun Viswanathan, Head of Data Science, Markets at Citi to get their perspective.</h2>
<h2> Emily and Arjun are forging new ground at Citi with their focus on innovation, looking for ways to simplify internal processes and make room for everyone to participate in the process and create the next genius idea. Listen in as they discuss the impact of their work and democratizing the &ldquo;innovation&rdquo; process.</h2>
 The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

Bio: Emily Turner, Head of Business Development, Institutional Clients Group, Citi  Emily Turner is the head of Business Development for Citi’s Institutional Clients Group (ICG). In this role, she is responsible for defining and articulating the ICG growth strategy; leading work with external partners to explore new opportunities for growth and to create new competitive advantages; driving ICG’s innovation efforts; and coordinating ICG’s existing venture capital investing activities. Emily and her team work closely with Citi’s Global Consumer Bank, Citi’s Corporate Strategy team, Citi’s Control Functions and Citi Ventures. Emily is a member of the ICG management team.
Previously, Emily was the head of Citi Ventures UK and co-led Citi’s internal growth engine, D10X. In this role, she spearheaded efforts to identify, validate and launch new growth opportunities across the ICG. Leveraging the principles of Corporate Entrepreneurship and Lean Startup, she focused on corporate innovation to solve for clients’ needs and was closely involved in the launches of CitiConnect® for Blockchain and ProxymitySM.
Emily joined Citi Ventures in 2016 from Citi’s Markets and Securities Services group, where she held multiple roles in Client Strategy, Client Management and Business Development.
Prior to Citi, Emily worked as a management consultant at McKinsey & Company in London and she has a depth of experience in financial services through her previous roles at Merrill Lynch, ABN Amro and UBS.

Emily Turner is the head of Business Development for Citi’s Institutional Clients Group (ICG). In this role, she is responsible for defining and articulating the ICG growth strategy; leading work with external partners to explore new opportunities for growth and to create new competitive advantages; driving ICG’s innovation efforts; and coordinating ICG’s existing venture capital investing activities. Emily and her team work closely with Citi’s Global Consumer Bank, Citi’s Corporate Strategy team, Citi’s Control Functions and Citi Ventures. Emily is a member of the ICG management team.
Previously, Emily was the head of Citi Ventures UK and co-led Citi’s internal growth engine, D10X. In this role, she spearheaded efforts to identify, validate and launch new growth opportunities across the ICG. Leveraging the principles of Corporate Entrepreneurship and Lean Startup, she focused on corporate innovation to solve for clients’ needs and was closely involved in the launches of CitiConnect® for Blockchain and ProxymitySM.
Emily joined Citi Ventures in 2016 from Citi’s Markets and Securities Services group, where she held multiple roles in Client Strategy, Client Management and Business Development.
Prior to Citi, Emily worked as a management consultant at McKinsey & Company in London and she has a depth of experience in financial services through her previous roles at Merrill Lynch, ABN Amro and UBS.

Bio: Emily Turner, Head of Business Development, Institutional Clients Group, Citi 

Bio: Arjun Viswanathan, Head of Data Science for Global Markets, Citi Arjun’s mandate is to help Markets and ICG optimize ourselves via data and maths : to help us generate higher-quality and more revenue,  understand and optimize our resource usage, and supercharge our teams with rigorous and intelligent tools.
A large part of his role is to work with internal partners to develop better platforms and algorithms for our biggest problems: in particular, working on our unified compute (XiP) and unified data (Olympus) fabrics. He enjoys his role at Citi – it comes with an incredibly diverse problem set and incredibly smart and fun colleagues.
Prior to this role, Arjun was the head of data science for Global Rates at Citi. He joined Citi in 2014, before which he was a portfolio manager at a macro hedge fund. Prior to that, he ran the vanilla rate option trading business at Morgan Stanley in London, before which he was a rate options trader at Lehman Brothers. 
Arjun has degrees in computer science from Oxford and mathematics from the University of Delhi. In his spare time his hobby is competitive machine learning. 

Arjun’s mandate is to help Markets and ICG optimize ourselves via data and maths : to help us generate higher-quality and more revenue,  understand and optimize our resource usage, and supercharge our teams with rigorous and intelligent tools.
A large part of his role is to work with internal partners to develop better platforms and algorithms for our biggest problems: in particular, working on our unified compute (XiP) and unified data (Olympus) fabrics. He enjoys his role at Citi – it comes with an incredibly diverse problem set and incredibly smart and fun colleagues.
Prior to this role, Arjun was the head of data science for Global Rates at Citi. He joined Citi in 2014, before which he was a portfolio manager at a macro hedge fund. Prior to that, he ran the vanilla rate option trading business at Morgan Stanley in London, before which he was a rate options trader at Lehman Brothers. 
Arjun has degrees in computer science from Oxford and mathematics from the University of Delhi. In his spare time his hobby is competitive machine learning. 

Bio: Arjun Viswanathan, Head of Data Science for Global Markets, Citi

On this episode of “Good Things Happen,” we’re joined by Emily Turner, Head of Business Development for the Citi Institutional Clients Group, and Arjun Viswanathan, Head of Data Science, Markets at Citi to get their perspective. Emily and Arjun are forging new ground at Citi with their focus on innovation, looking for ways to simplify internal processes and make room for everyone to participate in the process and create the next genius idea. Listen in as they discuss the impact of their work and democratizing the “innovation” process. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Emily Turner, Head of Business Development, Institutional Clients Group, Citi  Emily Turner is the head of Business Development for Citi’s Institutional Clients Group (ICG). In this role, she is responsible for defining and articulating the ICG growth strategy; leading work with external partners to explore new opportunities for growth and to create new competitive advantages; driving ICG’s innovation efforts; and coordinating ICG’s existing venture capital investing activities. Emily and her team work closely with Citi’s Global Consumer Bank, Citi’s Corporate Strategy team, Citi’s Control Functions and Citi Ventures. Emily is a member of the ICG management team.
Previously, Emily was the head of Citi Ventures UK and co-led Citi’s internal growth engine, D10X. In this role, she spearheaded efforts to identify, validate and launch new growth opportunities across the ICG. Leveraging the principles of Corporate Entrepreneurship and Lean Startup, she focused on corporate innovation to solve for clients’ needs and was closely involved in the launches of CitiConnect® for Blockchain and ProxymitySM.
Emily joined Citi Ventures in 2016 from Citi’s Markets and Securities Services group, where she held multiple roles in Client Strategy, Client Management and Business Development.
Prior to Citi, Emily worked as a management consultant at McKinsey & Company in London and she has a depth of experience in financial services through her previous roles at Merrill Lynch, ABN Amro and UBS. Bio: Arjun Viswanathan, Head of Data Science for Global Markets, Citi Arjun’s mandate is to help Markets and ICG optimize ourselves via data and maths : to help us generate higher-quality and more revenue,  understand and optimize our resource usage, and supercharge our teams with rigorous and intelligent tools.
A large part of his role is to work with internal partners to develop better platforms and algorithms for our biggest problems: in particular, working on our unified compute (XiP) and unified data (Olympus) fabrics. He enjoys his role at Citi – it comes with an incredibly diverse problem set and incredibly smart and fun colleagues.
Prior to this role, Arjun was the head of data science for Global Rates at Citi. He joined Citi in 2014, before which he was a portfolio manager at a macro hedge fund. Prior to that, he ran the vanilla rate option trading business at Morgan Stanley in London, before which he was a rate options trader at Lehman Brothers. 
Arjun has degrees in computer science from Oxford and mathematics from the University of Delhi. In his spare time his hobby is competitive machine learning. 

“Innovation” can sometimes feel like an overused buzzword favored by the likes of startups. But more and more, multinational companies are infusing their organizations with teams focused on looking ahead  to solve the biggest problems facing their industries. But how do companies with offices around the  world and a workforce that numbers in tens of thousands take a nimble approach and embrace a startup mindset?

Good Things Happen Episode 3: Innovation

On this episode of “Good Things Happen,” we’re joined by Candi Wolff and Manolo Falcó, two of Citi’s most politically minded leaders. As EVP of Global Government Affairs and the Global Co-Head of Investment Banking respectively, Candi and Manolo are at the center of the company’s efforts to keep clients informed through key strategic decision-making. In this discussion, Candi and Manolo weigh in on the fundamental importance of local, regional and global politics, how they manifest in real-world issues and the most effective ways to manage being the people in the middle of an ever-changing political landscape. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

<h2>On this episode of &ldquo;Good Things Happen,&rdquo; we&rsquo;re joined by Candi Wolff and Manolo Falc&oacute;, two of Citi&rsquo;s most politically minded leaders. As EVP of Global Government Affairs and the Global Co-Head of Investment Banking respectively, Candi and Manolo are at the center of the company&rsquo;s efforts to keep clients informed through key strategic decision-making.</h2>
<h2>In this discussion, Candi and Manolo weigh in on the fundamental importance of local, regional and global politics, how they manifest in real-world issues and the most effective ways to manage being the people in the middle of an ever-changing political landscape.</h2>
The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

Bio: Manuel (Manolo) Falco, Global Co-Head of Banking, Capital Markets & Advisory, Citi Manuel is Global Co-Head of Banking, Capital Markets & Advisory at Citi. He is also member of the Citi Global Banking Executive Committee and Champion for the Women & Diversity network for Citi in the EMEA region.
Previously, Manuel was Citi Country Officer for Spain, a role that included managing all businesses in Spain covering Markets and Banking, Consumer Banking and Global Wealth Management.
Before joining Citi in 1998, he was an investment banker with Warburg Dillon Read for 10 years, working in London and Madrid. He has a Bachelor of Business Administration degree from San Pablo CEU University in Madrid.
Outside interests for Manuel include being a family member and shareholder of the Marques de Griñon Estates – one of the leading independent wineries in Spain – and a Member of the Trilateral Commission which is a non-governmental, policy-oriented forum that brings together leaders in their individual capacity from the worlds of business, government, academia, press and media, as well as civil society.

Manuel is Global Co-Head of Banking, Capital Markets & Advisory at Citi. He is also member of the Citi Global Banking Executive Committee and Champion for the Women & Diversity network for Citi in the EMEA region.
Previously, Manuel was Citi Country Officer for Spain, a role that included managing all businesses in Spain covering Markets and Banking, Consumer Banking and Global Wealth Management.
Before joining Citi in 1998, he was an investment banker with Warburg Dillon Read for 10 years, working in London and Madrid. He has a Bachelor of Business Administration degree from San Pablo CEU University in Madrid.
Outside interests for Manuel include being a family member and shareholder of the Marques de Griñon Estates – one of the leading independent wineries in Spain – and a Member of the Trilateral Commission which is a non-governmental, policy-oriented forum that brings together leaders in their individual capacity from the worlds of business, government, academia, press and media, as well as civil society.

Bio: Manuel (Manolo) Falco, Global Co-Head of Banking, Capital Markets & Advisory, Citi

Bio: Candida (Candi) Wolff, Head of Global Government Affairs, Citi  Candida “Candi” P. Wolff is Citigroup’s Executive Vice President and Head of Global Government Affairs.  She is responsible for the company’s government affairs globally, including U.S. Federal and State government relations and international government relations.  
 Ms. Wolff has over 20 years of government relations experience. In addition to Citi, she served six years in the White House, including three years as the Assistant to President George W. Bush for Legislative Affairs.  As the principal liaison to Congress, Ms. Wolff was responsible for formulating and advocating the president’s legislative agenda, as well as advising the president and his cabinet on legislative strategy regarding economic, domestic, and national security issues.  
Ms. Wolff also worked for Vice President Cheney as his head of legislative affairs, and spent eight years working in the U.S. Senate in senior leadership roles including Deputy Staff Director for the Senate Republican Policy Committee and as tax counsel to former Senator Malcolm Wallop (R, WY). 
Prior to Citi, Ms. Wolff was a partner at the law firm of Hogan Lovells where she represented clients in legislative matters before the Congress and the Administration. Wolff was also a Partner at Washington Council Ernst & Young and an Associate at Akin, Gump, Strauss, Hauer & Feld. 
Ms. Wolff was named by National Journal as one of the Top 25 Most Influential Women in Washington in 2012. She was also named a “Woman to Watch” by the American Banker Magazine in 2012 and 2013. Ms. Wolff serves on the Boards of the Bipartisan Policy Center Advocacy Network, Easter Seals of the Washington, Maryland and Virginia Region, and the Washington Tennis and Education Foundation.  
Ms. Wolff earned her B.A in mathematics and political science from Mount Holyoke College and her J.D. from the George Washington University School of Law.  

Candida “Candi” P. Wolff is Citigroup’s Executive Vice President and Head of Global Government Affairs.  She is responsible for the company’s government affairs globally, including U.S. Federal and State government relations and international government relations.  
 Ms. Wolff has over 20 years of government relations experience. In addition to Citi, she served six years in the White House, including three years as the Assistant to President George W. Bush for Legislative Affairs.  As the principal liaison to Congress, Ms. Wolff was responsible for formulating and advocating the president’s legislative agenda, as well as advising the president and his cabinet on legislative strategy regarding economic, domestic, and national security issues.  
Ms. Wolff also worked for Vice President Cheney as his head of legislative affairs, and spent eight years working in the U.S. Senate in senior leadership roles including Deputy Staff Director for the Senate Republican Policy Committee and as tax counsel to former Senator Malcolm Wallop (R, WY). 
Prior to Citi, Ms. Wolff was a partner at the law firm of Hogan Lovells where she represented clients in legislative matters before the Congress and the Administration. Wolff was also a Partner at Washington Council Ernst & Young and an Associate at Akin, Gump, Strauss, Hauer & Feld. 
Ms. Wolff was named by National Journal as one of the Top 25 Most Influential Women in Washington in 2012. She was also named a “Woman to Watch” by the American Banker Magazine in 2012 and 2013. Ms. Wolff serves on the Boards of the Bipartisan Policy Center Advocacy Network, Easter Seals of the Washington, Maryland and Virginia Region, and the Washington Tennis and Education Foundation.  
Ms. Wolff earned her B.A in mathematics and political science from Mount Holyoke College and her J.D. from the George Washington University School of Law.  

Bio: Candida (Candi) Wolff, Head of Global Government Affairs, Citi 

On this episode of “Good Things Happen,” we’re joined by Candi Wolff and Manolo Falcó, two of Citi’s most politically minded leaders. As EVP of Global Government Affairs and the Global Co-Head of Investment Banking respectively, Candi and Manolo are at the center of the company’s efforts to keep clients informed through key strategic decision-making. In this discussion, Candi and Manolo weigh in on the fundamental importance of local, regional and global politics, how they manifest in real-world issues and the most effective ways to manage being the people in the middle of an ever-changing political landscape. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Manuel (Manolo) Falco, Global Co-Head of Banking, Capital Markets & Advisory, Citi Manuel is Global Co-Head of Banking, Capital Markets & Advisory at Citi. He is also member of the Citi Global Banking Executive Committee and Champion for the Women & Diversity network for Citi in the EMEA region.
Previously, Manuel was Citi Country Officer for Spain, a role that included managing all businesses in Spain covering Markets and Banking, Consumer Banking and Global Wealth Management.
Before joining Citi in 1998, he was an investment banker with Warburg Dillon Read for 10 years, working in London and Madrid. He has a Bachelor of Business Administration degree from San Pablo CEU University in Madrid.
Outside interests for Manuel include being a family member and shareholder of the Marques de Griñon Estates – one of the leading independent wineries in Spain – and a Member of the Trilateral Commission which is a non-governmental, policy-oriented forum that brings together leaders in their individual capacity from the worlds of business, government, academia, press and media, as well as civil society. Bio: Candida (Candi) Wolff, Head of Global Government Affairs, Citi  Candida “Candi” P. Wolff is Citigroup’s Executive Vice President and Head of Global Government Affairs.  She is responsible for the company’s government affairs globally, including U.S. Federal and State government relations and international government relations.  
 Ms. Wolff has over 20 years of government relations experience. In addition to Citi, she served six years in the White House, including three years as the Assistant to President George W. Bush for Legislative Affairs.  As the principal liaison to Congress, Ms. Wolff was responsible for formulating and advocating the president’s legislative agenda, as well as advising the president and his cabinet on legislative strategy regarding economic, domestic, and national security issues.  
Ms. Wolff also worked for Vice President Cheney as his head of legislative affairs, and spent eight years working in the U.S. Senate in senior leadership roles including Deputy Staff Director for the Senate Republican Policy Committee and as tax counsel to former Senator Malcolm Wallop (R, WY). 
Prior to Citi, Ms. Wolff was a partner at the law firm of Hogan Lovells where she represented clients in legislative matters before the Congress and the Administration. Wolff was also a Partner at Washington Council Ernst & Young and an Associate at Akin, Gump, Strauss, Hauer & Feld. 
Ms. Wolff was named by National Journal as one of the Top 25 Most Influential Women in Washington in 2012. She was also named a “Woman to Watch” by the American Banker Magazine in 2012 and 2013. Ms. Wolff serves on the Boards of the Bipartisan Policy Center Advocacy Network, Easter Seals of the Washington, Maryland and Virginia Region, and the Washington Tennis and Education Foundation.  
Ms. Wolff earned her B.A in mathematics and political science from Mount Holyoke College and her J.D. from the George Washington University School of Law.  

Global Geopolitics 

For political and financial professionals, the “butterfly effect” is more reality than fiction. A simple decision on the other side of our ever-connected world can ripple through industries and our daily lives. And now more than ever, global organizations like Citi need to know how they should respond to political shifts, new legislation and more at moment’s notice.

Good Things Happen Episode 4: Geopolitics

The days of Wall Street firms being made up entirely of investment bankers and traders is over. But what really makes talent tick? And what drives them to join the companies that they do? On this episode of “Good Things Happen,” we’re joined by Erika Irish Brown, Chief Diversity Equity and Inclusion Officer and Global Head of Talent at Citi and Kevin Johnson, Chief of Staff at Citi’s Institutional Client Group. In this discussion, Erika and Kevin talk through the changing needs of talent with the ever-evolving definition of “diversity” and how it fits into a modern Wall Street company like Citi. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

<h2>The days of Wall Street firms being made up entirely of investment bankers and traders is over. But what really makes talent tick? And what drives them to join the companies that they do?</h2>
<h2>On this episode of &ldquo;Good Things Happen,&rdquo; we&rsquo;re joined by Erika Irish Brown, Chief Diversity Equity and Inclusion Officer and Global Head of Talent at Citi and Kevin Johnson, Chief of Staff at Citi&rsquo;s Institutional Client Group.</h2>
<h2>In this discussion, Erika and Kevin talk through the changing needs of talent with the ever-evolving definition of &ldquo;diversity&rdquo; and how it fits into a modern Wall Street company like Citi.</h2>
The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

Bio: Erika Irish Brown, Chief Diversity, Equity and Inclusion Officer and Global Head of Talent, Citi Erika is Citi’s Chief Diversity, Equity and Inclusion Officer and Global Head of Talent, responsible for developing global diversity, equity and inclusion strategy and driving Citi’s agenda on talent planning, succession planning and leadership development.
Prior to joining Citi, Erika was Chief Diversity Officer at Goldman Sachs from 2018 to 2021 and Global Head of Diversity and Inclusion at Bloomberg from 2015 to 2018. Prior to this, she led executive and diversity hiring efforts at Bank of America and Lehman Brothers.
Erika's background includes a range of banking and finance roles, including Head of Business Development for Black Entertainment Television, Senior Associate in High Yield Capital Markets at Morgan Stanley and Senior Policy Analyst for Domestic Finance for the United States Department of the Treasury. She began her career as an Analyst in Public Finance at Lehman Brothers.
Erika is Vice Chair of the Bedford Stuyvesant Restoration Corporation and serves on the Board of the Riverside Hawks.
Erika earned a BS in Economics from the State University of New York at Albany and an MBA from Columbia Business School.

Erika is Citi’s Chief Diversity, Equity and Inclusion Officer and Global Head of Talent, responsible for developing global diversity, equity and inclusion strategy and driving Citi’s agenda on talent planning, succession planning and leadership development.
Prior to joining Citi, Erika was Chief Diversity Officer at Goldman Sachs from 2018 to 2021 and Global Head of Diversity and Inclusion at Bloomberg from 2015 to 2018. Prior to this, she led executive and diversity hiring efforts at Bank of America and Lehman Brothers.
Erika's background includes a range of banking and finance roles, including Head of Business Development for Black Entertainment Television, Senior Associate in High Yield Capital Markets at Morgan Stanley and Senior Policy Analyst for Domestic Finance for the United States Department of the Treasury. She began her career as an Analyst in Public Finance at Lehman Brothers.
Erika is Vice Chair of the Bedford Stuyvesant Restoration Corporation and serves on the Board of the Riverside Hawks.
Erika earned a BS in Economics from the State University of New York at Albany and an MBA from Columbia Business School.

Bio: Erika Irish Brown, Chief Diversity, Equity and Inclusion Officer and Global Head of Talent, Citi

Bio: Kevin Johnson, Chief of Staff of Institutional Clients Group Kevin Johnson has worked in financial services for the past 18 years. He has experience in investment banking, structuring, trading, and economic diplomacy. He joined Citigroup in 2017. He is currently the Chief of Staff to the CEO of the Institutional Clients Group where he is responsible for effective and efficient management of day-to-day business operations and successful execution of strategic projects. Prior to his current role, Kevin was an infrastructure investment banker in the Municipal Banking Division covering transportation clients. In this capacity, he provided advisory and underwriting services to issuers looking to fund large surface transportation capital programs for ports, toll roads, bridges, tunnels, and transit systems. Kevin was actively engaged in the people agenda by leading entry-level and experienced hire recruitment efforts as well as managing analyst and associates. He was a member of the Markets Underrepresented Minorities Committee working on improving diversity recruiting and retention. Kevin also represented the firm on the SIFMA Municipal Securities Committee. 
Before joining Citigroup, he worked as an investment banker at J.P. Morgan covering several state and local entities throughout the Mid-Atlantic and Northeast region, including the Dormitory Authority of the State of New York (DASNY), Commonwealth of Massachusetts, and the City of Philadelphia and its component enterprises (e.g., Gas Works and Water Department).
In 2015 -2016, Kevin was a Senior Economic Advisor and Franklin Fellow at the U.S. Department of State where he worked on economic policy in Southeast Asia with a particular focus on infrastructure policy. He helped lead and launch U.S.-ASEAN Connect, announced by President Obama at the U.S.-ASEAN Summit in Sunnylands, CA. The initiative will strengthen the United States economic engagement with the Association of Southeast Asian Nations (ASEAN) and the ASEAN Member States in a range of areas including infrastructure development and financing, information and communications technology, trade policy, green energy, and entrepreneurship and innovation. 
Prior to moving into Public Finance banking in 2013, Kevin spent 8 years trading interest rate products at Bank of America and multi-strategy hedge fund Citadel LLC in New York and London. He is a Registered Representative of the NASD (Series 7, 53, 55, 63 and 79). Kevin received his B.A. from Johns Hopkins University with majors in Economics and Sociology, his MSc in Finance from London Business School, and an M.P.A. from the School of International and Public Affairs at Columbia University. He serves on the board of the Johns Hopkins Second Decade Society and the Late Congressman Elijah Cummings Youth Program.

Kevin Johnson has worked in financial services for the past 18 years. He has experience in investment banking, structuring, trading, and economic diplomacy. He joined Citigroup in 2017. He is currently the Chief of Staff to the CEO of the Institutional Clients Group where he is responsible for effective and efficient management of day-to-day business operations and successful execution of strategic projects. Prior to his current role, Kevin was an infrastructure investment banker in the Municipal Banking Division covering transportation clients. In this capacity, he provided advisory and underwriting services to issuers looking to fund large surface transportation capital programs for ports, toll roads, bridges, tunnels, and transit systems. Kevin was actively engaged in the people agenda by leading entry-level and experienced hire recruitment efforts as well as managing analyst and associates. He was a member of the Markets Underrepresented Minorities Committee working on improving diversity recruiting and retention. Kevin also represented the firm on the SIFMA Municipal Securities Committee. 
Before joining Citigroup, he worked as an investment banker at J.P. Morgan covering several state and local entities throughout the Mid-Atlantic and Northeast region, including the Dormitory Authority of the State of New York (DASNY), Commonwealth of Massachusetts, and the City of Philadelphia and its component enterprises (e.g., Gas Works and Water Department).
In 2015 -2016, Kevin was a Senior Economic Advisor and Franklin Fellow at the U.S. Department of State where he worked on economic policy in Southeast Asia with a particular focus on infrastructure policy. He helped lead and launch U.S.-ASEAN Connect, announced by President Obama at the U.S.-ASEAN Summit in Sunnylands, CA. The initiative will strengthen the United States economic engagement with the Association of Southeast Asian Nations (ASEAN) and the ASEAN Member States in a range of areas including infrastructure development and financing, information and communications technology, trade policy, green energy, and entrepreneurship and innovation. 
Prior to moving into Public Finance banking in 2013, Kevin spent 8 years trading interest rate products at Bank of America and multi-strategy hedge fund Citadel LLC in New York and London. He is a Registered Representative of the NASD (Series 7, 53, 55, 63 and 79). Kevin received his B.A. from Johns Hopkins University with majors in Economics and Sociology, his MSc in Finance from London Business School, and an M.P.A. from the School of International and Public Affairs at Columbia University. He serves on the board of the Johns Hopkins Second Decade Society and the Late Congressman Elijah Cummings Youth Program.

Bio: Kevin Johnson, Chief of Staff of Institutional Clients Group

The days of Wall Street firms being made up entirely of investment bankers and traders is over. But what really makes talent tick? And what drives them to join the companies that they do? On this episode of “Good Things Happen,” we’re joined by Erika Irish Brown, Chief Diversity Equity and Inclusion Officer and Global Head of Talent at Citi and Kevin Johnson, Chief of Staff at Citi’s Institutional Client Group. In this discussion, Erika and Kevin talk through the changing needs of talent with the ever-evolving definition of “diversity” and how it fits into a modern Wall Street company like Citi. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Erika Irish Brown, Chief Diversity, Equity and Inclusion Officer and Global Head of Talent, Citi Erika is Citi’s Chief Diversity, Equity and Inclusion Officer and Global Head of Talent, responsible for developing global diversity, equity and inclusion strategy and driving Citi’s agenda on talent planning, succession planning and leadership development.
Prior to joining Citi, Erika was Chief Diversity Officer at Goldman Sachs from 2018 to 2021 and Global Head of Diversity and Inclusion at Bloomberg from 2015 to 2018. Prior to this, she led executive and diversity hiring efforts at Bank of America and Lehman Brothers.
Erika's background includes a range of banking and finance roles, including Head of Business Development for Black Entertainment Television, Senior Associate in High Yield Capital Markets at Morgan Stanley and Senior Policy Analyst for Domestic Finance for the United States Department of the Treasury. She began her career as an Analyst in Public Finance at Lehman Brothers.
Erika is Vice Chair of the Bedford Stuyvesant Restoration Corporation and serves on the Board of the Riverside Hawks.
Erika earned a BS in Economics from the State University of New York at Albany and an MBA from Columbia Business School. Bio: Kevin Johnson, Chief of Staff of Institutional Clients Group Kevin Johnson has worked in financial services for the past 18 years. He has experience in investment banking, structuring, trading, and economic diplomacy. He joined Citigroup in 2017. He is currently the Chief of Staff to the CEO of the Institutional Clients Group where he is responsible for effective and efficient management of day-to-day business operations and successful execution of strategic projects. Prior to his current role, Kevin was an infrastructure investment banker in the Municipal Banking Division covering transportation clients. In this capacity, he provided advisory and underwriting services to issuers looking to fund large surface transportation capital programs for ports, toll roads, bridges, tunnels, and transit systems. Kevin was actively engaged in the people agenda by leading entry-level and experienced hire recruitment efforts as well as managing analyst and associates. He was a member of the Markets Underrepresented Minorities Committee working on improving diversity recruiting and retention. Kevin also represented the firm on the SIFMA Municipal Securities Committee. 
Before joining Citigroup, he worked as an investment banker at J.P. Morgan covering several state and local entities throughout the Mid-Atlantic and Northeast region, including the Dormitory Authority of the State of New York (DASNY), Commonwealth of Massachusetts, and the City of Philadelphia and its component enterprises (e.g., Gas Works and Water Department).
In 2015 -2016, Kevin was a Senior Economic Advisor and Franklin Fellow at the U.S. Department of State where he worked on economic policy in Southeast Asia with a particular focus on infrastructure policy. He helped lead and launch U.S.-ASEAN Connect, announced by President Obama at the U.S.-ASEAN Summit in Sunnylands, CA. The initiative will strengthen the United States economic engagement with the Association of Southeast Asian Nations (ASEAN) and the ASEAN Member States in a range of areas including infrastructure development and financing, information and communications technology, trade policy, green energy, and entrepreneurship and innovation. 
Prior to moving into Public Finance banking in 2013, Kevin spent 8 years trading interest rate products at Bank of America and multi-strategy hedge fund Citadel LLC in New York and London. He is a Registered Representative of the NASD (Series 7, 53, 55, 63 and 79). Kevin received his B.A. from Johns Hopkins University with majors in Economics and Sociology, his MSc in Finance from London Business School, and an M.P.A. from the School of International and Public Affairs at Columbia University. He serves on the board of the Johns Hopkins Second Decade Society and the Late Congressman Elijah Cummings Youth Program.

Discover the ins and outs of diverse talent and their changing needs. Our host at Citi, Jorian Murray elaborates on diversity and talent management.

Diversity in Talent | Good Things Happen - Podcast Ep. 5

On this episode of “Good Things Happen,” we’re joined by Citi's Erika Irish Brown and Kevin Johnson, as they talk through the changing needs of talent with the ever-evolving definition of “diversity” and how it fits into a modern Wall Street company like Citi.

Good Things Happen, Episode 5: The Changing Needs of Talent

On this episode of “Good Things Happen,” we’re joined by Ida Liu, Global Head of Citi Private Bank, and Cameron Hedrick, Citi's Chief Learning Officer, to discuss a subject near and dear to our hearts: education. In this conversation, Ida and Cameron weigh in on the changing dynamics of education and what it means to learn and lead in today’s world. They will dive into the synchronous relationship between in-person and virtual trainings and the nuances and necessities of both in the financial industry, as well as the growing importance of personal health and diversity in terms of training and supporting the workforce. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">On this episode of &ldquo;Good Things Happen,&rdquo; we&rsquo;re joined by Ida Liu, Global Head of Citi Private Bank, and Cameron Hedrick, Citi's Chief Learning Officer, to discuss a subject near and dear to our hearts: education. In this conversation, Ida and Cameron weigh in on the changing dynamics of education and what it means to learn and lead in today&rsquo;s world. </h2>
<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">&nbsp;</h2>
<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">They will dive into the synchronous relationship between in-person and virtual trainings and the nuances and necessities of both in the financial industry, as well as the growing importance of personal health and diversity in terms of training and supporting the workforce.&nbsp;</h2>
<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">&nbsp;</h2>
The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.&nbsp;

Ida Liu,  Global Head, Citi Private Bank Ida Liu is the Global Head of Citi Private Bank and a member of the Citi Global Wealth Leadership team. Ida leads the Private Banking activities in 50 offices across 18 countries and delivers wealth management solutions to ultra-high net worth families and their businesses globally. Before becoming the Global Head, she was the Head of Citi Private Bank North America and held numerous other leadership roles.
Ida created Citi Private Bank’s North America Asian Clients Group, and she started her career at Citi by launching and heading the Fashion, Retail and Entertainment Group. Before joining Citi, Ida was at Vivienne Tam, a women’s wear design house, where she was Global Head of Sales, Marketing, Public Relations and Business Development. Prior to this, Ida spent seven years in investment banking with Merrill Lynch’s mergers and acquisitions and technology, media and telecommunications investment banking groups in New York and Hong Kong. She started her career in mergers and acquisitions at BT Wolfensohn (now Deutsche Bank).
Ida has received many industry accolades including Barron’s 10 Most Influential Women in Wealth Management, Barron’s 100 Most Influential Women in U.S. Finance, Crain’s Notable Women on Wall Street and American Banker’s 25 Most Powerful Women in Finance. Additionally, Ida is a Young Global Leader (YGL) of the World Economic Forum, a member of The Committee of 100 (C100) and Young Presidents’ Organization (YPO). Ida serves on the UCLA Health Advisory Board as well as the Asia Society Board of Trustees.
Ida holds a BA with honors from Wellesley College and an MBA from the Wharton School, University of Pennsylvania. She is fluent in Mandarin Chinese, Spanish and conversant in Russian. 

Ida Liu is the Global Head of Citi Private Bank and a member of the Citi Global Wealth Leadership team. Ida leads the Private Banking activities in 50 offices across 18 countries and delivers wealth management solutions to ultra-high net worth families and their businesses globally. Before becoming the Global Head, she was the Head of Citi Private Bank North America and held numerous other leadership roles.
Ida created Citi Private Bank’s North America Asian Clients Group, and she started her career at Citi by launching and heading the Fashion, Retail and Entertainment Group. Before joining Citi, Ida was at Vivienne Tam, a women’s wear design house, where she was Global Head of Sales, Marketing, Public Relations and Business Development. Prior to this, Ida spent seven years in investment banking with Merrill Lynch’s mergers and acquisitions and technology, media and telecommunications investment banking groups in New York and Hong Kong. She started her career in mergers and acquisitions at BT Wolfensohn (now Deutsche Bank).
Ida has received many industry accolades including Barron’s 10 Most Influential Women in Wealth Management, Barron’s 100 Most Influential Women in U.S. Finance, Crain’s Notable Women on Wall Street and American Banker’s 25 Most Powerful Women in Finance. Additionally, Ida is a Young Global Leader (YGL) of the World Economic Forum, a member of The Committee of 100 (C100) and Young Presidents’ Organization (YPO). Ida serves on the UCLA Health Advisory Board as well as the Asia Society Board of Trustees.
Ida holds a BA with honors from Wellesley College and an MBA from the Wharton School, University of Pennsylvania. She is fluent in Mandarin Chinese, Spanish and conversant in Russian. 

Ida Liu,  Global Head, Citi Private Bank

Cameron Hedrick, Chief Learning Officer, Citi  Cameron started his Citi career in 2003 in Dallas, Texas in the North America Learning & Development Group. In 2006, he went on to lead the Talent and Organization Capability Group for North America Operations and Technology. Throughout the recession, he worked with Citi’s Global HR Reengineering team, focusing on restructuring initiatives in EMEA and Global Learning & Development. In 2010 he moved to New York to lead HR for Citi’s US Retail, Wealth, and Commercial businesses – a post he held until February 2015 when he became the Senior Human Resource Officer for Citi's Global Commercial Bank. Cameron assumed the role of Citi’s Chief Learning Officer in August 2016. Prior to his career at Citi, Cameron held sales, marketing and learning roles at dtech Corporation and Fidelity Investments based in Dallas and Boston respectively.
Cameron, his wife, Sloan, and their two daughters reside in Manhattan.

Cameron started his Citi career in 2003 in Dallas, Texas in the North America Learning & Development Group. In 2006, he went on to lead the Talent and Organization Capability Group for North America Operations and Technology. Throughout the recession, he worked with Citi’s Global HR Reengineering team, focusing on restructuring initiatives in EMEA and Global Learning & Development. In 2010 he moved to New York to lead HR for Citi’s US Retail, Wealth, and Commercial businesses – a post he held until February 2015 when he became the Senior Human Resource Officer for Citi's Global Commercial Bank. Cameron assumed the role of Citi’s Chief Learning Officer in August 2016. Prior to his career at Citi, Cameron held sales, marketing and learning roles at dtech Corporation and Fidelity Investments based in Dallas and Boston respectively.
Cameron, his wife, Sloan, and their two daughters reside in Manhattan.

Cameron Hedrick, Chief Learning Officer, Citi 

Disclaimers
Citi Private bank
The unauthorized copying, re-broadcasting, downloading, distribution, storing, recording or saving of this copyrighted content in any medium whatsoever without the express written permission from Citi Global Wealth Investments is strictly prohibited. <a href="https://www.privatebank.citibank.com/ivc/docs/CGWI_ImportantInformation.pdf" target="_blank" rel="noopener">Click here to view important disclaimers</a>. Citi Global Wealth Investments (&ldquo;CGWI&rdquo;) is comprised of the Investments and Capital Markets capabilities of Citi Private Bank, Citi Personal Wealth Management and International Personal Bank U.S. Citi Private Bank and Citi Personal Wealth Management are businesses of Citigroup Inc. (&ldquo;Citigroup&rdquo;), which provide clients access to a broad array of products and services available through bank and non-bank afﬁliates of Citigroup. Not all products and services are provided by all afﬁliates or are available at all locations. In the U.S., investment products and services are provided by Citigroup Global Markets Inc. (&ldquo;CGMI&rdquo;), member FINRA and SIPC, and Citi Private Advisory, LLC (&ldquo;Citi Advisory&rdquo;), member FINRA and SIPC. CGMI accounts are carried by Pershing LLC, member FINRA, NYSE, SIPC. Citi Advisory acts as distributor of certain alternative investment products to clients of Citi Private Bank. Insurance is offered by Citi Personal Wealth Management through Citigroup Life Agency LLC (&ldquo;CLA&rdquo;). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, Citi Advisory, CLA and Citibank, N.A. are afﬁliated companies under the common control of Citigroup. Outside the U.S., investment products and services are provided by other Citigroup afﬁliates. Investment Management services (including portfolio management) are available through CGMI, Citi Advisory, Citibank, N.A. and other afﬁliated advisory businesses. These Citigroup affiliates, including Citi Advisory, will be compensated for the respective investment management, advisory, administrative, distribution and placement services they may provide.

On this episode of “Good Things Happen,” we’re joined by Ida Liu, Global Head of Citi Private Bank, and Cameron Hedrick, Citi's Chief Learning Officer, to discuss a subject near and dear to our hearts: education. In this conversation, Ida and Cameron weigh in on the changing dynamics of education and what it means to learn and lead in today’s world. They will dive into the synchronous relationship between in-person and virtual trainings and the nuances and necessities of both in the financial industry, as well as the growing importance of personal health and diversity in terms of training and supporting the workforce. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Ida Liu, Global Head, Citi Private Bank Ida Liu is the Global Head of Citi Private Bank and a member of the Citi Global Wealth Leadership team. Ida leads the Private Banking activities in 50 offices across 18 countries and delivers wealth management solutions to ultra-high net worth families and their businesses globally. Before becoming the Global Head, she was the Head of Citi Private Bank North America and held numerous other leadership roles.
Ida created Citi Private Bank’s North America Asian Clients Group, and she started her career at Citi by launching and heading the Fashion, Retail and Entertainment Group. Before joining Citi, Ida was at Vivienne Tam, a women’s wear design house, where she was Global Head of Sales, Marketing, Public Relations and Business Development. Prior to this, Ida spent seven years in investment banking with Merrill Lynch’s mergers and acquisitions and technology, media and telecommunications investment banking groups in New York and Hong Kong. She started her career in mergers and acquisitions at BT Wolfensohn (now Deutsche Bank).
Ida has received many industry accolades including Barron’s 10 Most Influential Women in Wealth Management, Barron’s 100 Most Influential Women in U.S. Finance, Crain’s Notable Women on Wall Street and American Banker’s 25 Most Powerful Women in Finance. Additionally, Ida is a Young Global Leader (YGL) of the World Economic Forum, a member of The Committee of 100 (C100) and Young Presidents’ Organization (YPO). Ida serves on the UCLA Health Advisory Board as well as the Asia Society Board of Trustees.
Ida holds a BA with honors from Wellesley College and an MBA from the Wharton School, University of Pennsylvania. She is fluent in Mandarin Chinese, Spanish and conversant in Russian. Cameron Hedrick, Chief Learning Officer, Citi Cameron started his Citi career in 2003 in Dallas, Texas in the North America Learning & Development Group. In 2006, he went on to lead the Talent and Organization Capability Group for North America Operations and Technology. Throughout the recession, he worked with Citi’s Global HR Reengineering team, focusing on restructuring initiatives in EMEA and Global Learning & Development. In 2010 he moved to New York to lead HR for Citi’s US Retail, Wealth, and Commercial businesses – a post he held until February 2015 when he became the Senior Human Resource Officer for Citi's Global Commercial Bank. Cameron assumed the role of Citi’s Chief Learning Officer in August 2016. Prior to his career at Citi, Cameron held sales, marketing and learning roles at dtech Corporation and Fidelity Investments based in Dallas and Boston respectively.
Cameron, his wife, Sloan, and their two daughters reside in Manhattan. Disclaimers
Citi Private bank
The unauthorized copying, re-broadcasting, downloading, distribution, storing, recording or saving of this copyrighted content in any medium whatsoever without the express written permission from Citi Global Wealth Investments is strictly prohibited. <a href="https://www.privatebank.citibank.com/ivc/docs/CGWI_ImportantInformation.pdf" target="_blank" rel="noopener">Click here to view important disclaimers</a>. Citi Global Wealth Investments (&ldquo;CGWI&rdquo;) is comprised of the Investments and Capital Markets capabilities of Citi Private Bank, Citi Personal Wealth Management and International Personal Bank U.S. Citi Private Bank and Citi Personal Wealth Management are businesses of Citigroup Inc. (&ldquo;Citigroup&rdquo;), which provide clients access to a broad array of products and services available through bank and non-bank afﬁliates of Citigroup. Not all products and services are provided by all afﬁliates or are available at all locations. In the U.S., investment products and services are provided by Citigroup Global Markets Inc. (&ldquo;CGMI&rdquo;), member FINRA and SIPC, and Citi Private Advisory, LLC (&ldquo;Citi Advisory&rdquo;), member FINRA and SIPC. CGMI accounts are carried by Pershing LLC, member FINRA, NYSE, SIPC. Citi Advisory acts as distributor of certain alternative investment products to clients of Citi Private Bank. Insurance is offered by Citi Personal Wealth Management through Citigroup Life Agency LLC (&ldquo;CLA&rdquo;). In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). CGMI, Citi Advisory, CLA and Citibank, N.A. are afﬁliated companies under the common control of Citigroup. Outside the U.S., investment products and services are provided by other Citigroup afﬁliates. Investment Management services (including portfolio management) are available through CGMI, Citi Advisory, Citibank, N.A. and other afﬁliated advisory businesses. These Citigroup affiliates, including Citi Advisory, will be compensated for the respective investment management, advisory, administrative, distribution and placement services they may provide.

The pace at which we learn and the skillsets needed to succeed are continually evolving. Along with changing how we work and live, the pandemic also accelerated innovation in how we learn and train others. 

Good Things Happen, Episode 6: Learning and Leading

Traditionally speaking, disruption has a negative connotation, especially when it comes to money! But our guests on the Season 1 finale of Good Things Happen look at disruption as a positive change and ongoing necessity, especially in the digital age. Don’t miss our season wrap where Paco Ybarra, CEO, Citi Institutional Clients Group and Stuart Riley, Global Head of Technology from Citi Institutional Clients Group talk about the financial industry’s evolution and the exciting changes and innovations ahead. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">Traditionally speaking, disruption has a negative connotation, especially when it comes to money! But our guests on the Season 1 finale of Good Things Happen look at disruption as a positive change and ongoing necessity, especially in the digital age.&nbsp;</h2>
<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">&nbsp;</h2>
<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">Don&rsquo;t miss our season wrap where Paco Ybarra, CEO, Citi Institutional Clients Group and Stuart Riley, Global Head of Technology from Citi Institutional Clients Group talk about the financial industry&rsquo;s evolution and the exciting changes and innovations ahead.</h2>
<h2 style="line-height: 120%; margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; word-break: normal;">&nbsp;</h2>
 The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.

Bio: Paco Ybarra , Chief Executive Officer of Citi’s Institutional Clients Group Paco Ybarra is Chief Executive Officer of Citi’s Institutional Clients Group, which includes its Banking, Markets and Services businesses. He is a member of the Executive Management Team, Chairman of the Institutional Clients Group Risk Management Committee and serves as a Member of the Board of Grupo Financiero Citibanamex, S.A. de C.V.
Prior to assuming his current role in May 2019, Paco was Global Head of Markets and Securities Services. He joined the bank in 1987 in Spain as a Management Associate. During his career he has held positions in Spain, Mexico, Singapore, New York and London. In November 2006, he became Co-Head of Global Fixed Income, and in 2011 was appointed Global Head of Markets. In November 2013, his responsibilities were expanded to include the securities services businesses. He was appointed Deputy Head of the Institutional Clients Group in October 2018.
Paco holds a Bachelor of Arts degree in economics from the University of Valencia in Spain and a Master of Business Administration degree from I.E.S.E. in Barcelona. He is a member of the Board of Directors of EMPower in the United Kingdom, a non-for-profit organization that supports at-risk youth in Emerging Markets. He also sits in the Alumni Board of I.E.S.E.

Paco Ybarra is Chief Executive Officer of Citi’s Institutional Clients Group, which includes its Banking, Markets and Services businesses. He is a member of the Executive Management Team, Chairman of the Institutional Clients Group Risk Management Committee and serves as a Member of the Board of Grupo Financiero Citibanamex, S.A. de C.V.
Prior to assuming his current role in May 2019, Paco was Global Head of Markets and Securities Services. He joined the bank in 1987 in Spain as a Management Associate. During his career he has held positions in Spain, Mexico, Singapore, New York and London. In November 2006, he became Co-Head of Global Fixed Income, and in 2011 was appointed Global Head of Markets. In November 2013, his responsibilities were expanded to include the securities services businesses. He was appointed Deputy Head of the Institutional Clients Group in October 2018.
Paco holds a Bachelor of Arts degree in economics from the University of Valencia in Spain and a Master of Business Administration degree from I.E.S.E. in Barcelona. He is a member of the Board of Directors of EMPower in the United Kingdom, a non-for-profit organization that supports at-risk youth in Emerging Markets. He also sits in the Alumni Board of I.E.S.E.

Bio: Paco Ybarra , Chief Executive Officer of Citi’s Institutional Clients Group

Bio: Stuart Riley, Global Head of ICG Technology Stuart Riley is the Global Head of ICG Technology, an organization of ~59,000 people, responsible for processing over 4 billion transactions a year and supporting ~ 3,000 applications, representing ~$5bn of annual investment.
Stuart has a computer science background, holding a Bachelor’s degree in Software engineering and Management, and has spent the majority of his career in investment banking technology.
In 2010, Stuart joined Citi’s Sales and Trading organization to lead eCommerce. Having led the development and wide spread adoption of, the industry leading, Citi Velocity suite of products, Stuart moved into O&T, where he has held a variety of leadership positions across Capital Markets, Securities Services, Investment Banking, Trade and Treasury and Private Banking.  
A techie at heart, he drives product innovation, digital efforts for ICG and delivering leading services to our clients.  He is focused on using technology to change, simplify and strengthen the way we do business and operate – from onboarding to execution.  
In addition to our main internal initiatives including Cloud, Data, APIs, Blockchain, and Cyber, he is also actively engaged with external companies, start-ups, think-tanks and academics, as he is of the view that innovation is best achieved via connectivity.
Stuart is also passionate about the diversity, equity and inclusion agenda.  He co-leads Citi Women’s Affinity Network with Mary McNiff, Citi Compliance Officer, and serves as both an internal and external champion for this demographic.  And, he is an expert member of the Teach First’s Technology Committee, part of the Teach For All network, which aims at developing solutions to end educational disadvantage and create a fair education for all.

Stuart Riley is the Global Head of ICG Technology, an organization of ~59,000 people, responsible for processing over 4 billion transactions a year and supporting ~ 3,000 applications, representing ~$5bn of annual investment.
Stuart has a computer science background, holding a Bachelor’s degree in Software engineering and Management, and has spent the majority of his career in investment banking technology.
In 2010, Stuart joined Citi’s Sales and Trading organization to lead eCommerce. Having led the development and wide spread adoption of, the industry leading, Citi Velocity suite of products, Stuart moved into O&T, where he has held a variety of leadership positions across Capital Markets, Securities Services, Investment Banking, Trade and Treasury and Private Banking.  
A techie at heart, he drives product innovation, digital efforts for ICG and delivering leading services to our clients.  He is focused on using technology to change, simplify and strengthen the way we do business and operate – from onboarding to execution.  
In addition to our main internal initiatives including Cloud, Data, APIs, Blockchain, and Cyber, he is also actively engaged with external companies, start-ups, think-tanks and academics, as he is of the view that innovation is best achieved via connectivity.
Stuart is also passionate about the diversity, equity and inclusion agenda.  He co-leads Citi Women’s Affinity Network with Mary McNiff, Citi Compliance Officer, and serves as both an internal and external champion for this demographic.  And, he is an expert member of the Teach First’s Technology Committee, part of the Teach For All network, which aims at developing solutions to end educational disadvantage and create a fair education for all.

Bio: Stuart Riley, Global Head of ICG Technology

Traditionally speaking, disruption has a negative connotation, especially when it comes to money! But our guests on the Season 1 finale of Good Things Happen look at disruption as a positive change and ongoing necessity, especially in the digital age. Don’t miss our season wrap where Paco Ybarra, CEO, Citi Institutional Clients Group and Stuart Riley, Global Head of Technology from Citi Institutional Clients Group talk about the financial industry’s evolution and the exciting changes and innovations ahead. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Paco Ybarra , Chief Executive Officer of Citi’s Institutional Clients Group Paco Ybarra is Chief Executive Officer of Citi’s Institutional Clients Group, which includes its Banking, Markets and Services businesses. He is a member of the Executive Management Team, Chairman of the Institutional Clients Group Risk Management Committee and serves as a Member of the Board of Grupo Financiero Citibanamex, S.A. de C.V.
Prior to assuming his current role in May 2019, Paco was Global Head of Markets and Securities Services. He joined the bank in 1987 in Spain as a Management Associate. During his career he has held positions in Spain, Mexico, Singapore, New York and London. In November 2006, he became Co-Head of Global Fixed Income, and in 2011 was appointed Global Head of Markets. In November 2013, his responsibilities were expanded to include the securities services businesses. He was appointed Deputy Head of the Institutional Clients Group in October 2018.
Paco holds a Bachelor of Arts degree in economics from the University of Valencia in Spain and a Master of Business Administration degree from I.E.S.E. in Barcelona. He is a member of the Board of Directors of EMPower in the United Kingdom, a non-for-profit organization that supports at-risk youth in Emerging Markets. He also sits in the Alumni Board of I.E.S.E. Bio: Stuart Riley, Global Head of ICG Technology Stuart Riley is the Global Head of ICG Technology, an organization of ~59,000 people, responsible for processing over 4 billion transactions a year and supporting ~ 3,000 applications, representing ~$5bn of annual investment.
Stuart has a computer science background, holding a Bachelor’s degree in Software engineering and Management, and has spent the majority of his career in investment banking technology.
In 2010, Stuart joined Citi’s Sales and Trading organization to lead eCommerce. Having led the development and wide spread adoption of, the industry leading, Citi Velocity suite of products, Stuart moved into O&T, where he has held a variety of leadership positions across Capital Markets, Securities Services, Investment Banking, Trade and Treasury and Private Banking.  
A techie at heart, he drives product innovation, digital efforts for ICG and delivering leading services to our clients.  He is focused on using technology to change, simplify and strengthen the way we do business and operate – from onboarding to execution.  
In addition to our main internal initiatives including Cloud, Data, APIs, Blockchain, and Cyber, he is also actively engaged with external companies, start-ups, think-tanks and academics, as he is of the view that innovation is best achieved via connectivity.
Stuart is also passionate about the diversity, equity and inclusion agenda.  He co-leads Citi Women’s Affinity Network with Mary McNiff, Citi Compliance Officer, and serves as both an internal and external champion for this demographic.  And, he is an expert member of the Teach First’s Technology Committee, part of the Teach For All network, which aims at developing solutions to end educational disadvantage and create a fair education for all.

On the Season 1 finale of Good Things Happen, we look at disruption as a positive change and ongoing necessity, especially in the digital age. 

Good Things Happen, Episode 7: Disruption in the Financial Industry  

Apple Podcast

Google Podcast 

Spotify 

Good Things Happen Season 2

The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.&nbsp;

Bio: Jorian Murray  Jorian helps businesses tell better stories working primarily with professional service companies to help them identify and articulate their organizing idea. He applies these to inform coherent, compelling communication campaigns both inside and outside of commissioning organizations. With over 25 years-experience serving many of the world’s most popular brands at advertising agencies in the UK and abroad Jorian launched his consultancy Ask Senex in 2014. He read history at London University and attended the Harvard Business School’s Advance Management Program in 2000.

Jorian helps businesses tell better stories working primarily with professional service companies to help them identify and articulate their organizing idea. He applies these to inform coherent, compelling communication campaigns both inside and outside of commissioning organizations. With over 25 years-experience serving many of the world’s most popular brands at advertising agencies in the UK and abroad Jorian launched his consultancy Ask Senex in 2014. He read history at London University and attended the Harvard Business School’s Advance Management Program in 2000.

Bio: Jorian Murray 

The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Bio: Jorian Murray  Jorian helps businesses tell better stories working primarily with professional service companies to help them identify and articulate their organizing idea. He applies these to inform coherent, compelling communication campaigns both inside and outside of commissioning organizations. With over 25 years-experience serving many of the world’s most popular brands at advertising agencies in the UK and abroad Jorian launched his consultancy Ask Senex in 2014. He read history at London University and attended the Harvard Business School’s Advance Management Program in 2000.

It’s back! Season 2 of the #GoodThingsHappen podcast returns on October 18th. This season, we’re excited to bring together more than a dozen incredible guests for thought-provoking conversations on the future of finance, crypto, fintech, investing, venture capital, and more. Hear how experts across sectors – such as global leaders at Uber and innovators from the Wharton School – are using their financial skills to tackle poverty, the wealth gap, and social finance, transforming banking into a means for social good. Tune into the first episode on Tuesday, October 18th, wherever you get your podcasts. 

Good Things Happen, Season 2, Trailer

Crypto. DeFi. Contactless payments. We've seen countless technologies promising to change finance as we know it – and in many cases, they have. But with regulation lagging behind innovation, is widespread adoption and acceleration a red flag for the finance world? Can we understand this seemingly unprecedented tech explosion within the context of finance history? In this episode, hear from future of finance expert Ronit Ghose, of Citi Institutional Clients Group, and Sarah Hammer, Managing Director of the Stevens Center for Innovation in Finance at the Wharton School, about why we should be excited for what our financial future holds, and some of the current projects and technologies that stand to equalize access, improve user experiences, and solve our most difficult problems. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Wharton School of the University of Pennsylvania are not affiliated and are independent companies. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

<h2>Crypto. DeFi. Contactless payments. We've seen countless technologies promising to change finance as we know it &ndash; and in many cases, they have. But with regulation lagging behind innovation, is widespread adoption and acceleration a red flag for the finance world? Can we understand this seemingly unprecedented tech explosion within the context of finance history?</h2>
<h2>In this episode, hear from future of finance expert Ronit Ghose, of Citi Institutional Clients Group, and Sarah Hammer, Managing Director of the Stevens Center for Innovation in Finance at the Wharton School, about why we should be excited for what our financial future holds, and some of the current projects and technologies that stand to equalize access, improve user experiences, and solve our most difficult problems.</h2>
&nbsp;
The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.
&nbsp;
Citibank N.A. and Wharton School of the University of Pennsylvania are not affiliated and are independent companies. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

Bio: Ronit Ghose, Global Head of Citi's Future of Finance, Citi Global Insights  Ronit Ghose is Global Head of Citi’s Future of Finance team. Ronit’s current areas of focus include Digital Assets, the Metaverse, Web3 and the broader interaction of the future of technology, money and finance. The Future of Finance team is part of Citi Global Insights, the bank’s thought leadership unit, which provides analysis/advice to Citi’s clients and the bank’s leadership. Ronit’s reports on fintech and Web3 are among the most read reports Citi has ever published.

Ronit is an Advisory Board member at the Centre for Financial Technology at Imperial College Business School and at a several tech and VC firms based in Cape Town, Dubai and London. Prior to joining Citi ~25 years ago, Ronit worked in the policy world, including being a bag carrier for a former UK Prime Minister. Ronit is currently based in Dubai. He is a graduate of the University of Oxford, London & is a (lapsed) Chartered Financial Analyst.


Ronit Ghose is Global Head of Citi’s Future of Finance team. Ronit’s current areas of focus include Digital Assets, the Metaverse, Web3 and the broader interaction of the future of technology, money and finance. The Future of Finance team is part of Citi Global Insights, the bank’s thought leadership unit, which provides analysis/advice to Citi’s clients and the bank’s leadership. Ronit’s reports on fintech and Web3 are among the most read reports Citi has ever published.

Ronit is an Advisory Board member at the Centre for Financial Technology at Imperial College Business School and at a several tech and VC firms based in Cape Town, Dubai and London. Prior to joining Citi ~25 years ago, Ronit worked in the policy world, including being a bag carrier for a former UK Prime Minister. Ronit is currently based in Dubai. He is a graduate of the University of Oxford, London & is a (lapsed) Chartered Financial Analyst.


Bio: Ronit Ghose, Global Head of Citi's Future of Finance, Citi Global Insights 

Bio: Sarah Hammer, Managing Director of the Stevens Center for Innovation in Finance and Senior Director of the Harris Alternative Investments Program, Wharton School, University of Pennsylvania Sarah Hammer is Managing Director of the Stevens Center for Innovation in Finance and Senior Director of the Harris Alternative Investments Program at the Wharton School of the University of Pennsylvania. In these roles, she focuses her efforts on private capital investments and financial technology. Ms. Hammer is also an Adjunct Professor of Law at the University of Pennsylvania Law School, teaching an upper level juris doctor course on financial regulation.
Previously, Ms. Hammer was Acting Deputy Assistant Secretary for Financial Institutions and Director of the Office of Financial Institutions Policy at the United States Department of the Treasury. In this role, she led and directed the Department’s policy responsibilities involving financial institutions, as well as oversaw the Federal Insurance Office and the Office of Critical Infrastructure Protection and Compliance Policy (cybersecurity).
Ms. Hammer also served on the board of the Securities Investor Protection Corporation (SIPC) and assisted the U.S. Treasury Secretary in fulfilling responsibilities on the board of the Pension Benefit Guaranty Corporation (PBGC). Ms. Hammer also served as cross functional team lead for a full review and report by the U.S. Treasury on the U.S. financial regulatory framework.
Ms. Hammer has held various leadership positions throughout financial services in general management, portfolio management, trading, marketing, research, and analytics at the Vanguard Group, PIMCO, JP Morgan Chase, BlackRock, and Tudor Investments.
Ms. Hammer is also a board member of the Independent Management Advisory Committee of the International Telecommunications Union at the United Nations (ITU).  The ITU is the UN specialized agency responsible for all matters related to information and communication technology, including broadband internet, wireless technology, satellite, and television.
Ms. Hammer earned a J.D. from the University of Pennsylvania Law School, an M.B.A. from the Wharton School of the University of Pennsylvania, and a Master of Studies from Oxford University.  She is a Harry S.Truman Scholar and a Member of the American Law Institute.

Sarah Hammer is Managing Director of the Stevens Center for Innovation in Finance and Senior Director of the Harris Alternative Investments Program at the Wharton School of the University of Pennsylvania. In these roles, she focuses her efforts on private capital investments and financial technology. Ms. Hammer is also an Adjunct Professor of Law at the University of Pennsylvania Law School, teaching an upper level juris doctor course on financial regulation.
Previously, Ms. Hammer was Acting Deputy Assistant Secretary for Financial Institutions and Director of the Office of Financial Institutions Policy at the United States Department of the Treasury. In this role, she led and directed the Department’s policy responsibilities involving financial institutions, as well as oversaw the Federal Insurance Office and the Office of Critical Infrastructure Protection and Compliance Policy (cybersecurity).
Ms. Hammer also served on the board of the Securities Investor Protection Corporation (SIPC) and assisted the U.S. Treasury Secretary in fulfilling responsibilities on the board of the Pension Benefit Guaranty Corporation (PBGC). Ms. Hammer also served as cross functional team lead for a full review and report by the U.S. Treasury on the U.S. financial regulatory framework.
Ms. Hammer has held various leadership positions throughout financial services in general management, portfolio management, trading, marketing, research, and analytics at the Vanguard Group, PIMCO, JP Morgan Chase, BlackRock, and Tudor Investments.
Ms. Hammer is also a board member of the Independent Management Advisory Committee of the International Telecommunications Union at the United Nations (ITU).  The ITU is the UN specialized agency responsible for all matters related to information and communication technology, including broadband internet, wireless technology, satellite, and television.
Ms. Hammer earned a J.D. from the University of Pennsylvania Law School, an M.B.A. from the Wharton School of the University of Pennsylvania, and a Master of Studies from Oxford University.  She is a Harry S.Truman Scholar and a Member of the American Law Institute.

Bio: Sarah Hammer, Managing Director of the Stevens Center for Innovation in Finance and Senior Director of the Harris Alternative Investments Program, Wharton School, University of Pennsylvania

Crypto. DeFi. Contactless payments. We've seen countless technologies promising to change finance as we know it – and in many cases, they have. But with regulation lagging behind innovation, is widespread adoption and acceleration a red flag for the finance world? Can we understand this seemingly unprecedented tech explosion within the context of finance history? In this episode, hear from future of finance expert Ronit Ghose, of Citi Institutional Clients Group, and Sarah Hammer, Managing Director of the Stevens Center for Innovation in Finance at the Wharton School, about why we should be excited for what our financial future holds, and some of the current projects and technologies that stand to equalize access, improve user experiences, and solve our most difficult problems. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Wharton School of the University of Pennsylvania are not affiliated and are independent companies. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates. Bio: Ronit Ghose, Global Head of Citi's Future of Finance, Citi Global Insights  Ronit Ghose is Global Head of Citi’s Future of Finance team. Ronit’s current areas of focus include Digital Assets, the Metaverse, Web3 and the broader interaction of the future of technology, money and finance. The Future of Finance team is part of Citi Global Insights, the bank’s thought leadership unit, which provides analysis/advice to Citi’s clients and the bank’s leadership. Ronit’s reports on fintech and Web3 are among the most read reports Citi has ever published.

Ronit is an Advisory Board member at the Centre for Financial Technology at Imperial College Business School and at a several tech and VC firms based in Cape Town, Dubai and London. Prior to joining Citi ~25 years ago, Ronit worked in the policy world, including being a bag carrier for a former UK Prime Minister. Ronit is currently based in Dubai. He is a graduate of the University of Oxford, London & is a (lapsed) Chartered Financial Analyst.
 Bio: Sarah Hammer, Managing Director of the Stevens Center for Innovation in Finance and Senior Director of the Harris Alternative Investments Program, Wharton School, University of Pennsylvania Sarah Hammer is Managing Director of the Stevens Center for Innovation in Finance and Senior Director of the Harris Alternative Investments Program at the Wharton School of the University of Pennsylvania. In these roles, she focuses her efforts on private capital investments and financial technology. Ms. Hammer is also an Adjunct Professor of Law at the University of Pennsylvania Law School, teaching an upper level juris doctor course on financial regulation.
Previously, Ms. Hammer was Acting Deputy Assistant Secretary for Financial Institutions and Director of the Office of Financial Institutions Policy at the United States Department of the Treasury. In this role, she led and directed the Department’s policy responsibilities involving financial institutions, as well as oversaw the Federal Insurance Office and the Office of Critical Infrastructure Protection and Compliance Policy (cybersecurity).
Ms. Hammer also served on the board of the Securities Investor Protection Corporation (SIPC) and assisted the U.S. Treasury Secretary in fulfilling responsibilities on the board of the Pension Benefit Guaranty Corporation (PBGC). Ms. Hammer also served as cross functional team lead for a full review and report by the U.S. Treasury on the U.S. financial regulatory framework.
Ms. Hammer has held various leadership positions throughout financial services in general management, portfolio management, trading, marketing, research, and analytics at the Vanguard Group, PIMCO, JP Morgan Chase, BlackRock, and Tudor Investments.
Ms. Hammer is also a board member of the Independent Management Advisory Committee of the International Telecommunications Union at the United Nations (ITU).  The ITU is the UN specialized agency responsible for all matters related to information and communication technology, including broadband internet, wireless technology, satellite, and television.
Ms. Hammer earned a J.D. from the University of Pennsylvania Law School, an M.B.A. from the Wharton School of the University of Pennsylvania, and a Master of Studies from Oxford University.  She is a Harry S.Truman Scholar and a Member of the American Law Institute.

Crypto. DeFi. Contactless payments. We've seen countless technologies promising to change finance as we know it – and in many cases, they have. But with regulation lagging behind innovation, is widespread adoption and acceleration a red flag for the finance world? Can we understand this seemingly unprecedented tech explosion within the context of finance history?

Good Things Happen Episode 1: The Future of Finance

The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Wise Responder are not affiliated and are independent companies. The speaker’s views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.
&nbsp;
Citibank&nbsp;N.A.&nbsp;and Wise Responder&nbsp;are not affiliated and are independent companies.&nbsp;The speaker&rsquo;s views are their own and may not necessarily &nbsp;reflect the views of Citi or any of its affiliates.
&nbsp;
&nbsp;

Bio: Jason Channell: Global Head of Sustainable Finance, Citi Global Insights  Jason Channell, Managing Director, Citi Research, is Global Head of Citi’s Sustainable and Responsible Investment research team. Throughout his career Jason’s research has covered many sectors, in particular spanning the energy spectrum of utilities, oil & gas, and alternative energy, and he has been highly ranked in the Institutional Investor, Extel and Starmine surveys. Prior to joining Citi in 2011, he worked for Fidelity Investments and Goldman Sachs. His knowledge has led him to present to numerous governments, policymakers, and regulators around the world on energy policy, including members of the US Senate Energy & Finance committees in Washington, as well as at various UN fora. Jason is the lead author of some of Citi’s most-read thought leadership reports on energy, most notably the ‘Energy Darwinism’ GPS series which gained significant traction with institutional investors, corporates, governments and supranationals around the world, culminating in its presentation to the United Nations, with Jason chairing the related session of the United Nations Economic Commission for Europe at the Palais des Nations in Geneva. Jason features widely in the international media in print, on-line, and on TV. Jason holds a degree in Engineering Science and Management from the University of Durham.

Jason Channell, Managing Director, Citi Research, is Global Head of Citi’s Sustainable and Responsible Investment research team. Throughout his career Jason’s research has covered many sectors, in particular spanning the energy spectrum of utilities, oil & gas, and alternative energy, and he has been highly ranked in the Institutional Investor, Extel and Starmine surveys. Prior to joining Citi in 2011, he worked for Fidelity Investments and Goldman Sachs. His knowledge has led him to present to numerous governments, policymakers, and regulators around the world on energy policy, including members of the US Senate Energy & Finance committees in Washington, as well as at various UN fora. Jason is the lead author of some of Citi’s most-read thought leadership reports on energy, most notably the ‘Energy Darwinism’ GPS series which gained significant traction with institutional investors, corporates, governments and supranationals around the world, culminating in its presentation to the United Nations, with Jason chairing the related session of the United Nations Economic Commission for Europe at the Palais des Nations in Geneva. Jason features widely in the international media in print, on-line, and on TV. Jason holds a degree in Engineering Science and Management from the University of Durham.

Bio: Jason Channell: Global Head of Sustainable Finance, Citi Global Insights 

Bio: Jamie Coats, President and CEO, Wise Responder  Jaimie was born in London and had a privileged background, being sent to the private high school Eton and attended Harris Manchester College, Oxford. He is left handed, dyslexic and struggled with school which has given me a life-long appreciation for minorities.  He rails against the “right-handed, linear, text based thinkers” who control our education system and make him “others” feel stupid! He started my volunteer work in his teens working with severely handicapped children.
His father, Ivor Coats, told him of a story when he was prisoner of the Germans in 1945 that has greatly influenced him. His father, was in a parked train containing ill and badly wounded prisoners. He feared that overnight many prisoners would freeze to death so he, missing a foot, crawled in front of the train to demand blankets for the freezing prisoners. When a German soldier threatened to shoot him, he told the soldier that he was a British Officer and demanded to speak to a German Officer, who was summoned. Blankets were provided. His father’s message was that if you have rank or status use it for the least. 
In his early twenties a couple of high school friends died and my mother was severely ill. From these experiences I decided that life is too short to not make a difference everyday. At that time I started writing poetry as way of guiding what I do in life. I write poetry to know what I truly think and feel.
In 1991 I moved to Boston. I have had career that spanned economic development, social investing, and non-profit management. From 2006 to 2018 I worked for an order of Episcopalian monks, the Society of Saint John the Evangelist, who have a monastery in Harvard Square, Cambridge, Massachusetts. I helped the monks close a loss making publishing business, rebuild their monastery that was falling down, build up their endowment and launch a new online publishing initiative that has worldwide reach. I learned how to build a thriving economy for the monks built on giving away their wisdom and kindness. (To learn more about my work for the monks read this article.)
In 2010 my older sister, Emma, was found dead at foot of a cliff after disappearing from the Warnford Hospital in Oxford, UK. This had profound impact on me. I maintain a website to celebrate Emma’s life and art. At Emma’s funeral I said, “go tell the story that must be told and let it touch the hearts of all throughout the world.” I determined that I would work for women’s equality, opportunity for women, and economic justice.

Jaimie was born in London and had a privileged background, being sent to the private high school Eton and attended Harris Manchester College, Oxford. He is left handed, dyslexic and struggled with school which has given me a life-long appreciation for minorities.  He rails against the “right-handed, linear, text based thinkers” who control our education system and make him “others” feel stupid! He started my volunteer work in his teens working with severely handicapped children.
His father, Ivor Coats, told him of a story when he was prisoner of the Germans in 1945 that has greatly influenced him. His father, was in a parked train containing ill and badly wounded prisoners. He feared that overnight many prisoners would freeze to death so he, missing a foot, crawled in front of the train to demand blankets for the freezing prisoners. When a German soldier threatened to shoot him, he told the soldier that he was a British Officer and demanded to speak to a German Officer, who was summoned. Blankets were provided. His father’s message was that if you have rank or status use it for the least. 
In his early twenties a couple of high school friends died and my mother was severely ill. From these experiences I decided that life is too short to not make a difference everyday. At that time I started writing poetry as way of guiding what I do in life. I write poetry to know what I truly think and feel.
In 1991 I moved to Boston. I have had career that spanned economic development, social investing, and non-profit management. From 2006 to 2018 I worked for an order of Episcopalian monks, the Society of Saint John the Evangelist, who have a monastery in Harvard Square, Cambridge, Massachusetts. I helped the monks close a loss making publishing business, rebuild their monastery that was falling down, build up their endowment and launch a new online publishing initiative that has worldwide reach. I learned how to build a thriving economy for the monks built on giving away their wisdom and kindness. (To learn more about my work for the monks read this article.)
In 2010 my older sister, Emma, was found dead at foot of a cliff after disappearing from the Warnford Hospital in Oxford, UK. This had profound impact on me. I maintain a website to celebrate Emma’s life and art. At Emma’s funeral I said, “go tell the story that must be told and let it touch the hearts of all throughout the world.” I determined that I would work for women’s equality, opportunity for women, and economic justice.

Bio: Jamie Coats, President and CEO, Wise Responder 

The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Wise Responder are not affiliated and are independent companies. The speaker’s views are their own and may not necessarily reflect the views of Citi or any of its affiliates. Bio: Jason Channell: Global Head of Sustainable Finance, Citi Global Insights  Jason Channell, Managing Director, Citi Research, is Global Head of Citi’s Sustainable and Responsible Investment research team. Throughout his career Jason’s research has covered many sectors, in particular spanning the energy spectrum of utilities, oil & gas, and alternative energy, and he has been highly ranked in the Institutional Investor, Extel and Starmine surveys. Prior to joining Citi in 2011, he worked for Fidelity Investments and Goldman Sachs. His knowledge has led him to present to numerous governments, policymakers, and regulators around the world on energy policy, including members of the US Senate Energy & Finance committees in Washington, as well as at various UN fora. Jason is the lead author of some of Citi’s most-read thought leadership reports on energy, most notably the ‘Energy Darwinism’ GPS series which gained significant traction with institutional investors, corporates, governments and supranationals around the world, culminating in its presentation to the United Nations, with Jason chairing the related session of the United Nations Economic Commission for Europe at the Palais des Nations in Geneva. Jason features widely in the international media in print, on-line, and on TV. Jason holds a degree in Engineering Science and Management from the University of Durham. Bio: Jamie Coats, President and CEO, Wise Responder  Jaimie was born in London and had a privileged background, being sent to the private high school Eton and attended Harris Manchester College, Oxford. He is left handed, dyslexic and struggled with school which has given me a life-long appreciation for minorities.  He rails against the “right-handed, linear, text based thinkers” who control our education system and make him “others” feel stupid! He started my volunteer work in his teens working with severely handicapped children.
His father, Ivor Coats, told him of a story when he was prisoner of the Germans in 1945 that has greatly influenced him. His father, was in a parked train containing ill and badly wounded prisoners. He feared that overnight many prisoners would freeze to death so he, missing a foot, crawled in front of the train to demand blankets for the freezing prisoners. When a German soldier threatened to shoot him, he told the soldier that he was a British Officer and demanded to speak to a German Officer, who was summoned. Blankets were provided. His father’s message was that if you have rank or status use it for the least. 
In his early twenties a couple of high school friends died and my mother was severely ill. From these experiences I decided that life is too short to not make a difference everyday. At that time I started writing poetry as way of guiding what I do in life. I write poetry to know what I truly think and feel.
In 1991 I moved to Boston. I have had career that spanned economic development, social investing, and non-profit management. From 2006 to 2018 I worked for an order of Episcopalian monks, the Society of Saint John the Evangelist, who have a monastery in Harvard Square, Cambridge, Massachusetts. I helped the monks close a loss making publishing business, rebuild their monastery that was falling down, build up their endowment and launch a new online publishing initiative that has worldwide reach. I learned how to build a thriving economy for the monks built on giving away their wisdom and kindness. (To learn more about my work for the monks read this article.)
In 2010 my older sister, Emma, was found dead at foot of a cliff after disappearing from the Warnford Hospital in Oxford, UK. This had profound impact on me. I maintain a website to celebrate Emma’s life and art. At Emma’s funeral I said, “go tell the story that must be told and let it touch the hearts of all throughout the world.” I determined that I would work for women’s equality, opportunity for women, and economic justice.

In 2015, eliminating global poverty was named #1 out of 17 Sustainable Development Goals by the UN. Despite major multinational efforts in the years since, poverty remains a major challenge for global leaders to define, measure, and ultimately eradicate – a challenge that Citi is helping clients meet head-on, thanks to innovative poverty indexes that guide capital where it's needed most.  We chat with Jason Channell, Head of Sustainable Finance within Citi Global Insights and Jamie Coats, president and CEO of Wise Responder, to learn about the multidimensional metrics that help governments and companies address global needs in a realistic, holistic way. 

Good Things Happen Episode 2: Eliminating Poverty

Global climate change is undoubtedly one of the greatest challenges we face in the 21st century. Achieving global carbon neutrality, or “net zero,” will require a major energy transition – one that’s far easier said than done. What inventive new technologies will be needed to facilitate energy transition? Today, we’re learning how global institutions can help to enable urgent, climate-focused adaptations – sooner, rather than later. In this episode, we chat with Dr. Ed Morse, Citi’s Global Head of Commodity Research, and Amy Jaffe, Managing Director of the Climate Policy Lab at Tufts University, to learn about the intersection of climate science, policy, and finance, and how those guiding the energy transition are designing systems that put wellbeing first, for people and the planet. Related Report: Citi GPS: Energy Transition - Gaining Momentum on the Path to Net Zero The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Amy Jaffe are not affiliated and are independent to each other. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

Global climate change is undoubtedly one of the greatest challenges we face in the 21st century. Achieving global carbon neutrality, or &ldquo;net zero,&rdquo; will require a major energy transition &ndash; one that&rsquo;s far easier said than done. What inventive new technologies will be needed to facilitate energy transition? Today, we&rsquo;re learning how global institutions can help to enable urgent, climate-focused adaptations &ndash; sooner, rather than later.
In this episode, we chat with Dr. Ed Morse, Citi&rsquo;s Global Head of Commodity Research, and Amy Jaffe, Managing Director of the Climate Policy Lab at Tufts University, to learn about the intersection of climate science, policy, and finance, and how those guiding the energy transition are designing systems that put wellbeing first, for people and the planet.
Related Report: <a href="https://www.citigroup.com/global/insights/citigps/energy-transition" data-link-source="tiny">Citi GPS: Energy Transition - Gaining Momentum on the Path to Net Zero </a>
&nbsp;
&nbsp;
The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.
Citibank N.A. and Amy Jaffe are not affiliated and are independent to each other. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

Bio: Amy Jaffe, Research Professor and Managing Director of the Climate Policy Lab, Tufts University Amy Myers Jaffe is a leading expert on the geopolitics of oil and gas and energy security and is an influential thought leader on global energy policy and sustainability. Jaffe is managing director of the Climate Policy Lab and research professor at Tufts University Fletcher School of Law and Diplomacy. Previously, she was director of the program on energy Security and Climate Change for the Council on Foreign Relations, and served as chair of the Future of Oil & Gas at the World Economic Forum. 
A frequent keynote speaker at major energy industry and investment conferences and board of directors meetings, Jaffe is a widely quoted commentator on energy and the environment in international media who has provided testimony on Capital Hill. Jaffe appears regularly on a variety of television and print media, including CNN, PBS New Hour, FOX, Al-Jazeera TV, MSNBC, National Public Radio, the Wall Street Journal and the Financial Times of London. Her writings have been featured by the New York Times, Dow Jones International, and Petroleum Intelligence Weekly. She has a regular blog at the Houston Chronicle and is a contributor on energy and climate change to the Wall Street Journal's blog The Experts.
Jaffe is a member of the National Petroleum Council and serves as an advisory board member of GE Ecoimagination and as a technical committee member on shale gas for the Union of Concerned Scientists. A contributor to Foreign Policy magazine's "21 Solutions to Save the World" and recipient of the Award for Excellence in Energy Writing by the International Association for Energy Economics, Jaffe was named to Esquire's annual 100 Best and Brightest and Elle Magazine's Women for the Environment.

Amy Myers Jaffe is a leading expert on the geopolitics of oil and gas and energy security and is an influential thought leader on global energy policy and sustainability. Jaffe is managing director of the Climate Policy Lab and research professor at Tufts University Fletcher School of Law and Diplomacy. Previously, she was director of the program on energy Security and Climate Change for the Council on Foreign Relations, and served as chair of the Future of Oil & Gas at the World Economic Forum. 
A frequent keynote speaker at major energy industry and investment conferences and board of directors meetings, Jaffe is a widely quoted commentator on energy and the environment in international media who has provided testimony on Capital Hill. Jaffe appears regularly on a variety of television and print media, including CNN, PBS New Hour, FOX, Al-Jazeera TV, MSNBC, National Public Radio, the Wall Street Journal and the Financial Times of London. Her writings have been featured by the New York Times, Dow Jones International, and Petroleum Intelligence Weekly. She has a regular blog at the Houston Chronicle and is a contributor on energy and climate change to the Wall Street Journal's blog The Experts.
Jaffe is a member of the National Petroleum Council and serves as an advisory board member of GE Ecoimagination and as a technical committee member on shale gas for the Union of Concerned Scientists. A contributor to Foreign Policy magazine's "21 Solutions to Save the World" and recipient of the Award for Excellence in Energy Writing by the International Association for Energy Economics, Jaffe was named to Esquire's annual 100 Best and Brightest and Elle Magazine's Women for the Environment.

Bio: Amy Jaffe, Research Professor and Managing Director of the Climate Policy Lab, Tufts University

Bio: Ed Morse,  Global Head of Commodities Research at Citi Ed Morse is Managing Director and Global Head of Commodities Research at Citi, and held similar positions at Lehman Brothers and Credit Suisse. He has taught at Princeton, Columbia and Johns Hopkins universities, worked as the Council on Foreign Relations, served as Deputy Assistant Secretary of State for Energy Policy, and in management at Phillips Petroleum. A co-founder of PFC Energy, a former publisher of "Petroleum Intelligence Weekly", he also worked at Hess Energy Trading Company. Among his consulting experiences has been designing Yemen's oil pricing policy and consulting for the UN Security Council on the design and negotiation of the Oil-for-Food Program for Iraq. Morse frequently writes guest editorials for The Financial Times, New York Times, Wall Street Journal and Washington Post and often is a commentator for Bloomberg TV and CNBC. He serves on advisory boards at Columbia and Princeton Universities and the business school at the University of Colorado. He is a Senior Fellow of both the USAEE and the IEEJ and in 2018 was named by Petroleum Economist in its inaugural “Global Energy Elite” issue as among the ten most prominent individuals in energy banking and finance. 

Ed Morse is Managing Director and Global Head of Commodities Research at Citi, and held similar positions at Lehman Brothers and Credit Suisse. He has taught at Princeton, Columbia and Johns Hopkins universities, worked as the Council on Foreign Relations, served as Deputy Assistant Secretary of State for Energy Policy, and in management at Phillips Petroleum. A co-founder of PFC Energy, a former publisher of "Petroleum Intelligence Weekly", he also worked at Hess Energy Trading Company. Among his consulting experiences has been designing Yemen's oil pricing policy and consulting for the UN Security Council on the design and negotiation of the Oil-for-Food Program for Iraq. Morse frequently writes guest editorials for The Financial Times, New York Times, Wall Street Journal and Washington Post and often is a commentator for Bloomberg TV and CNBC. He serves on advisory boards at Columbia and Princeton Universities and the business school at the University of Colorado. He is a Senior Fellow of both the USAEE and the IEEJ and in 2018 was named by Petroleum Economist in its inaugural “Global Energy Elite” issue as among the ten most prominent individuals in energy banking and finance. 

Bio: Ed Morse,  Global Head of Commodities Research at Citi

Global climate change is undoubtedly one of the greatest challenges we face in the 21st century. Achieving global carbon neutrality, or “net zero,” will require a major energy transition – one that’s far easier said than done. What inventive new technologies will be needed to facilitate energy transition? Today, we’re learning how global institutions can help to enable urgent, climate-focused adaptations – sooner, rather than later. In this episode, we chat with Dr. Ed Morse, Citi’s Global Head of Commodity Research, and Amy Jaffe, Managing Director of the Climate Policy Lab at Tufts University, to learn about the intersection of climate science, policy, and finance, and how those guiding the energy transition are designing systems that put wellbeing first, for people and the planet. Related Report: Citi GPS: Energy Transition - Gaining Momentum on the Path to Net Zero The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Amy Jaffe are not affiliated and are independent to each other. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates. Bio: Amy Jaffe, Research Professor and Managing Director of the Climate Policy Lab, Tufts University Amy Myers Jaffe is a leading expert on the geopolitics of oil and gas and energy security and is an influential thought leader on global energy policy and sustainability. Jaffe is managing director of the Climate Policy Lab and research professor at Tufts University Fletcher School of Law and Diplomacy. Previously, she was director of the program on energy Security and Climate Change for the Council on Foreign Relations, and served as chair of the Future of Oil & Gas at the World Economic Forum. 
A frequent keynote speaker at major energy industry and investment conferences and board of directors meetings, Jaffe is a widely quoted commentator on energy and the environment in international media who has provided testimony on Capital Hill. Jaffe appears regularly on a variety of television and print media, including CNN, PBS New Hour, FOX, Al-Jazeera TV, MSNBC, National Public Radio, the Wall Street Journal and the Financial Times of London. Her writings have been featured by the New York Times, Dow Jones International, and Petroleum Intelligence Weekly. She has a regular blog at the Houston Chronicle and is a contributor on energy and climate change to the Wall Street Journal's blog The Experts.
Jaffe is a member of the National Petroleum Council and serves as an advisory board member of GE Ecoimagination and as a technical committee member on shale gas for the Union of Concerned Scientists. A contributor to Foreign Policy magazine's "21 Solutions to Save the World" and recipient of the Award for Excellence in Energy Writing by the International Association for Energy Economics, Jaffe was named to Esquire's annual 100 Best and Brightest and Elle Magazine's Women for the Environment. Bio: Ed Morse,  Global Head of Commodities Research at Citi Ed Morse is Managing Director and Global Head of Commodities Research at Citi, and held similar positions at Lehman Brothers and Credit Suisse. He has taught at Princeton, Columbia and Johns Hopkins universities, worked as the Council on Foreign Relations, served as Deputy Assistant Secretary of State for Energy Policy, and in management at Phillips Petroleum. A co-founder of PFC Energy, a former publisher of "Petroleum Intelligence Weekly", he also worked at Hess Energy Trading Company. Among his consulting experiences has been designing Yemen's oil pricing policy and consulting for the UN Security Council on the design and negotiation of the Oil-for-Food Program for Iraq. Morse frequently writes guest editorials for The Financial Times, New York Times, Wall Street Journal and Washington Post and often is a commentator for Bloomberg TV and CNBC. He serves on advisory boards at Columbia and Princeton Universities and the business school at the University of Colorado. He is a Senior Fellow of both the USAEE and the IEEJ and in 2018 was named by Petroleum Economist in its inaugural “Global Energy Elite” issue as among the ten most prominent individuals in energy banking and finance. 

Global climate change is undoubtedly one of the greatest challenges we face in the 21st century. Achieving global carbon neutrality, or “net zero,” will require a major energy transition – one that’s far easier said than done. What inventive new technologies will be needed to facilitate energy transition? Today, we’re learning how global institutions can help to enable urgent, climate-focused adaptations – sooner, rather than later.

Good Things Happen Episode 3: Innovation in Energy

For consumers, money needs to move instantaneously. Making payments – and getting paid on time – has been streamlined down to a science, with 4 in 5 Americans routinely using digital payments. But what goes into making sure every transaction happens as seamlessly as customers have come to expect? Hint: a huge amount of work in scaling, development, and technology. Hear from two digital payments specialists - Shahmir Khaliq, Citi’s Global Head of Treasury and Trade Solutions, and David Nicholls, who specializes in Business Development and Global Payments at Uber – on the major changes that digital payments have brought to commerce, and the innovations still being made so that transactions meet both consumer and business needs worldwide. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Uber are not affiliated and are independent companies. Citibank has onboarded Uber as a client for payment solutions. The speaker’s views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates.

For consumers, money needs to move instantaneously. Making payments &ndash; and getting paid on time &ndash; has been streamlined down to a science, with 4 in 5 Americans routinely using digital payments. But what goes into making sure every transaction happens as seamlessly as customers have come to expect? Hint: a huge amount of work in scaling, development, and technology.
&nbsp;
Hear from two digital payments specialists - Shahmir Khaliq, Citi&rsquo;s Global Head of Treasury and Trade Solutions, and David Nicholls, who specializes in Business Development and Global Payments at Uber &ndash; on the major changes that digital payments have brought to commerce, and the innovations still being made so that transactions meet both consumer and business needs worldwide.
&nbsp;
The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.
&nbsp;
Citibank N.A. and Uber are not affiliated and are independent companies. Citibank has onboarded Uber as a client for payment solutions.&nbsp; The speaker&rsquo;s views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates.

Bio: David Nicholls, Global Business Development and Global Payments at Uber David Nicholls manages Uber’s Global Business Development activities for payments. This spans oversight for all commercial work Uber is doing with partners across payment processing for spenders, funds disbursement to earners and card issuing across the Uber marketplace. Prior to joining Uber, over the last 20 years, David has held a variety of executive roles

David Nicholls manages Uber’s Global Business Development activities for payments. This spans oversight for all commercial work Uber is doing with partners across payment processing for spenders, funds disbursement to earners and card issuing across the Uber marketplace. Prior to joining Uber, over the last 20 years, David has held a variety of executive roles

Bio: David Nicholls, Global Business Development and Global Payments at Uber

Bio: Shahmir Khaliq, Global Head of Treasury and Trade Solutions at Citi Shahmir Khaliq is the Global Head of Treasury and Trade Solutions in Citi’s Institutional Clients Group and is responsible for managing Treasury and Trade Solutions globally.  This multi-billion dollar business is one of the largest global businesses within Citi’s Institutional Clients Group encompassing integrated working capital solutions serving public sector clients, corporates and financial institutions.
Citi Treasury and Trade Solutions (TTS) helps enable clients succeed by providing an integrated suite of innovative and tailored cash management and trade finance services to multinational corporations, financial institutions and public sector organizations across the globe. Based on the foundation of the industry's largest proprietary network with banking licenses in over 90 countries and globally integrated technology platforms, TTS continues to lead the way in offering a comprehensive range of digitally enabled treasury, trade and liquidity management solutions.
Shahmir joined Citibank in 1991 in Pakistan as a Management Associate in the Institutional Bank – he left the bank in 1993 to pursue his post graduate education in 1993 and rejoined Citi Pakistan (Banking) in 1995.
During his career at Citi, he has held leadership roles within Banking, Country Management (CCO), Markets & Securities Services, and Treasury services.
Previous to his appointment as the Global Head of TTS in 2021, he was Head of Operations and Technology for the Treasury and Trade Services (TTS) business. Prior to taking this role, Shahmir was the Global Head of Direct Custody & Clearing within Markets and Securities Services since 2017.
Previously, Shahmir led the North America Investor Services business, covering Prime Finance, Futures and the Securities Services franchise for four years (2014-2018). Post the financial crisis (2012-2013), he was the global business lead optimizing the ICG’s global client footprint. He has spent time in country and regional leadership roles – serving as Country (CCO) / Cluster Head for Citi’s Central European business based out of Prague / Bucharest from 2005 through 2012. Shahmir also ran the Energy and Metals Corporate Bank franchise for CEEMEA for almost three years (2003/2005) prior to taking on his CCO role.
Shahmir is a Senior Credit Officer (Business SCO Level 2) since 2004 for Citi - and has degrees in finance and economics from the London Business School (Msc) and London School of Economics in addition to an MBA from the University of Karachi.

Shahmir Khaliq is the Global Head of Treasury and Trade Solutions in Citi’s Institutional Clients Group and is responsible for managing Treasury and Trade Solutions globally.  This multi-billion dollar business is one of the largest global businesses within Citi’s Institutional Clients Group encompassing integrated working capital solutions serving public sector clients, corporates and financial institutions.
Citi Treasury and Trade Solutions (TTS) helps enable clients succeed by providing an integrated suite of innovative and tailored cash management and trade finance services to multinational corporations, financial institutions and public sector organizations across the globe. Based on the foundation of the industry's largest proprietary network with banking licenses in over 90 countries and globally integrated technology platforms, TTS continues to lead the way in offering a comprehensive range of digitally enabled treasury, trade and liquidity management solutions.
Shahmir joined Citibank in 1991 in Pakistan as a Management Associate in the Institutional Bank – he left the bank in 1993 to pursue his post graduate education in 1993 and rejoined Citi Pakistan (Banking) in 1995.
During his career at Citi, he has held leadership roles within Banking, Country Management (CCO), Markets & Securities Services, and Treasury services.
Previous to his appointment as the Global Head of TTS in 2021, he was Head of Operations and Technology for the Treasury and Trade Services (TTS) business. Prior to taking this role, Shahmir was the Global Head of Direct Custody & Clearing within Markets and Securities Services since 2017.
Previously, Shahmir led the North America Investor Services business, covering Prime Finance, Futures and the Securities Services franchise for four years (2014-2018). Post the financial crisis (2012-2013), he was the global business lead optimizing the ICG’s global client footprint. He has spent time in country and regional leadership roles – serving as Country (CCO) / Cluster Head for Citi’s Central European business based out of Prague / Bucharest from 2005 through 2012. Shahmir also ran the Energy and Metals Corporate Bank franchise for CEEMEA for almost three years (2003/2005) prior to taking on his CCO role.
Shahmir is a Senior Credit Officer (Business SCO Level 2) since 2004 for Citi - and has degrees in finance and economics from the London Business School (Msc) and London School of Economics in addition to an MBA from the University of Karachi.

Bio: Shahmir Khaliq, Global Head of Treasury and Trade Solutions at Citi

For consumers, money needs to move instantaneously. Making payments – and getting paid on time – has been streamlined down to a science, with 4 in 5 Americans routinely using digital payments. But what goes into making sure every transaction happens as seamlessly as customers have come to expect? Hint: a huge amount of work in scaling, development, and technology. Hear from two digital payments specialists - Shahmir Khaliq, Citi’s Global Head of Treasury and Trade Solutions, and David Nicholls, who specializes in Business Development and Global Payments at Uber – on the major changes that digital payments have brought to commerce, and the innovations still being made so that transactions meet both consumer and business needs worldwide. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Uber are not affiliated and are independent companies. Citibank has onboarded Uber as a client for payment solutions. The speaker’s views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates. Bio: David Nicholls, Global Business Development and Global Payments at Uber David Nicholls manages Uber’s Global Business Development activities for payments. This spans oversight for all commercial work Uber is doing with partners across payment processing for spenders, funds disbursement to earners and card issuing across the Uber marketplace. Prior to joining Uber, over the last 20 years, David has held a variety of executive roles Bio: Shahmir Khaliq, Global Head of Treasury and Trade Solutions at Citi Shahmir Khaliq is the Global Head of Treasury and Trade Solutions in Citi’s Institutional Clients Group and is responsible for managing Treasury and Trade Solutions globally.  This multi-billion dollar business is one of the largest global businesses within Citi’s Institutional Clients Group encompassing integrated working capital solutions serving public sector clients, corporates and financial institutions.
Citi Treasury and Trade Solutions (TTS) helps enable clients succeed by providing an integrated suite of innovative and tailored cash management and trade finance services to multinational corporations, financial institutions and public sector organizations across the globe. Based on the foundation of the industry's largest proprietary network with banking licenses in over 90 countries and globally integrated technology platforms, TTS continues to lead the way in offering a comprehensive range of digitally enabled treasury, trade and liquidity management solutions.
Shahmir joined Citibank in 1991 in Pakistan as a Management Associate in the Institutional Bank – he left the bank in 1993 to pursue his post graduate education in 1993 and rejoined Citi Pakistan (Banking) in 1995.
During his career at Citi, he has held leadership roles within Banking, Country Management (CCO), Markets & Securities Services, and Treasury services.
Previous to his appointment as the Global Head of TTS in 2021, he was Head of Operations and Technology for the Treasury and Trade Services (TTS) business. Prior to taking this role, Shahmir was the Global Head of Direct Custody & Clearing within Markets and Securities Services since 2017.
Previously, Shahmir led the North America Investor Services business, covering Prime Finance, Futures and the Securities Services franchise for four years (2014-2018). Post the financial crisis (2012-2013), he was the global business lead optimizing the ICG’s global client footprint. He has spent time in country and regional leadership roles – serving as Country (CCO) / Cluster Head for Citi’s Central European business based out of Prague / Bucharest from 2005 through 2012. Shahmir also ran the Energy and Metals Corporate Bank franchise for CEEMEA for almost three years (2003/2005) prior to taking on his CCO role.
Shahmir is a Senior Credit Officer (Business SCO Level 2) since 2004 for Citi - and has degrees in finance and economics from the London Business School (Msc) and London School of Economics in addition to an MBA from the University of Karachi.

For consumers, money needs to move instantaneously. Making payments – and getting paid on time – has been streamlined down to a science, with 4 in 5 Americans routinely using digital payments. But what goes into making sure every transaction happens as seamlessly as customers have come to expect? Hint: a huge amount of work in scaling, development, and technology.

Good Things Happen Episode 4: Trends in Digital Payments

2023 in China is celebrated as the Year of the Rabbit, a symbol of peace, prosperity, and good luck. However, looking at the state of our global economy is less than encouraging. Continued challenges from the pandemic remain in play, the Russia-Ukraine shows few signs of resolution, Europe is in the jaws of a gas shock, and surging inflation has elicited the most aggressive central bank hiking cycle in a generation. In short, the prospects for the global economy look unusually grim. Thankfully, many of the recessions in our forecast are relatively mild and should help pave the way for improved performance by early 2024. Is this all part of the cycle of trends or are we witnessing something completely new? How does business plan for the inevitable behavioral change in how consumers are spending on goods and services? In this episode, we are joined by guests Elaine Buckberg, Chief Economist of General Motors, and Nathan Sheets, the Global Chief Economist at Citi and for a peek behind the curtain into the Economic Outlook through an economist's lens and why they're feeling optimistic. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and General Motors are not affiliated and are independent companies. Citibank has onboarded General Motors as a client for payment solutions. The speaker’s views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates. Forecasts may not be attained.

2023 in China is celebrated as the Year of the Rabbit, a symbol of peace, prosperity, and good luck. However, looking at the state of our global economy is less than encouraging. Continued challenges from the pandemic remain in play, the Russia-Ukraine shows few signs of resolution, Europe is in the jaws of a gas shock, and surging inflation has elicited the most aggressive central bank hiking cycle in a generation. In short, the prospects for the global economy look unusually grim. Thankfully, many of the recessions in our forecast are relatively mild and should help pave the way for improved performance by early 2024. Is this all part of the&nbsp;cycle of trends or are we witnessing something completely new? How does business plan for the inevitable behavioral change in how consumers are spending on goods and services?
&nbsp;
In this episode, we are joined by guests Elaine Buckberg, Chief Economist of General Motors, and Nathan Sheets, the Global Chief Economist at Citi and for a peek behind the curtain into the Economic Outlook through an economist's lens and why they're feeling optimistic.
 The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results. 
&nbsp;
Citibank N.A. and General Motors are not affiliated and are independent companies.&nbsp;
Citibank has onboarded General Motors as a client for payment solutions.&nbsp;
The speaker&rsquo;s views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates.&nbsp;&nbsp;Forecasts may not be attained.&nbsp;

Elaine Buchberg, Chief Economist of General Motors Dr. Elaine Buckberg is Chief Economist of General Motors.&nbsp; She is responsible for assessing the impact of worldwide economic developments on the corporation, and for providing advice on various competitive and economic policy issues.&nbsp; She also heads long-term forecasting of auto segments and vehicles.
&nbsp;
Immediately prior to joining GM, Elaine was a Principal at The Brattle Group, a global economic consultancy, where she conducted research on infrastructure financing and provided expert testimony in high profile financial litigation.&nbsp; She headed Brattle&rsquo;s Washington, D.C. office.
&nbsp;
From 2013-16, Elaine served as Deputy Assistant Secretary for Policy Coordination in the Office of Economic Policy at the U.S. Treasury Department.&nbsp; In that role, she advised and provided economic analysis on a wide range of domestic policy issues including infrastructure, housing and housing finance reform, financial regulatory reform, virtual currency, and retirement security.&nbsp; While at Treasury, Elaine played a leading role in initiating and executing President Obama&rsquo;s Build America Investment Initiative on infrastructure, including authoring two white papers on public-private partnerships and innovative infrastructure financing.&nbsp; She led Treasury&rsquo;s economic analyses to support new regulations on derivative reporting and customer due diligence requirements for financial institutions.
Prior to joining Treasury, Elaine was a Senior Vice President at NERA Economic Consulting, where she provided expert testimony and consulting in litigation and regulatory disputes on a wide range of topics including hedge funds; structured finance; valuation of complex derivatives; and foreign exchange.&nbsp;&nbsp; She was actively involved in firm management as a member of NERA&rsquo;s Board of Directors and head of the Strategy Committee.
As a Vice President at Morgan Stanley, she was a currency strategist and then worked in Market Risk Management. &nbsp;Elaine began her career as an Economist at the International Monetary Fund.&nbsp;
Elaine holds a Ph.D. in Economics from the Massachusetts Institute of Technology and a B.A. in Economics and English Literature from Yale University.

Dr. Elaine Buckberg is Chief Economist of General Motors.&nbsp; She is responsible for assessing the impact of worldwide economic developments on the corporation, and for providing advice on various competitive and economic policy issues.&nbsp; She also heads long-term forecasting of auto segments and vehicles.
&nbsp;
Immediately prior to joining GM, Elaine was a Principal at The Brattle Group, a global economic consultancy, where she conducted research on infrastructure financing and provided expert testimony in high profile financial litigation.&nbsp; She headed Brattle&rsquo;s Washington, D.C. office.
&nbsp;
From 2013-16, Elaine served as Deputy Assistant Secretary for Policy Coordination in the Office of Economic Policy at the U.S. Treasury Department.&nbsp; In that role, she advised and provided economic analysis on a wide range of domestic policy issues including infrastructure, housing and housing finance reform, financial regulatory reform, virtual currency, and retirement security.&nbsp; While at Treasury, Elaine played a leading role in initiating and executing President Obama&rsquo;s Build America Investment Initiative on infrastructure, including authoring two white papers on public-private partnerships and innovative infrastructure financing.&nbsp; She led Treasury&rsquo;s economic analyses to support new regulations on derivative reporting and customer due diligence requirements for financial institutions.
Prior to joining Treasury, Elaine was a Senior Vice President at NERA Economic Consulting, where she provided expert testimony and consulting in litigation and regulatory disputes on a wide range of topics including hedge funds; structured finance; valuation of complex derivatives; and foreign exchange.&nbsp;&nbsp; She was actively involved in firm management as a member of NERA&rsquo;s Board of Directors and head of the Strategy Committee.
As a Vice President at Morgan Stanley, she was a currency strategist and then worked in Market Risk Management. &nbsp;Elaine began her career as an Economist at the International Monetary Fund.&nbsp;
Elaine holds a Ph.D. in Economics from the Massachusetts Institute of Technology and a B.A. in Economics and English Literature from Yale University.

Elaine Buchberg, Chief Economist of General Motors

Nathan Sheets, Global Chief Economist, Citi Nathan Sheets, PhD, is Global Chief Economist at Citigroup. &nbsp;In this role, he leads the firm&rsquo;s surveillance and forecasting of the global economy and directs the analysis of the firm&rsquo;s economics team. &nbsp;He interacts closely with Citi&rsquo;s major institutional clients and internal risk takers, and publishes research on cross-cutting themes shaping the global economy and financial markets. &nbsp;Most recently, Mr. Sheets was Chief Economist and a member of the senior investment team at PGIM Fixed Income, a $900 billion asset manager.&nbsp;
He also has served as Under Secretary of the U.S. Treasury for International Affairs, representing the U.S. government on international economic issues. &nbsp;Previously, he held positions with Citigroup, as Global Head of International Economics, and with the Federal Reserve Board, as Director of the Division of International Finance and FOMC Economist.
In addition, Mr. Sheets was a senior advisor to the U.S. Executive Director of the International Monetary Fund and a visiting fellow at the Peterson Institute for International Economics. He earned a bachelor&rsquo;s degree in economics from Brigham Young University and a PhD from the Massachusetts Institute of Technology.

Nathan Sheets, PhD, is Global Chief Economist at Citigroup. &nbsp;In this role, he leads the firm&rsquo;s surveillance and forecasting of the global economy and directs the analysis of the firm&rsquo;s economics team. &nbsp;He interacts closely with Citi&rsquo;s major institutional clients and internal risk takers, and publishes research on cross-cutting themes shaping the global economy and financial markets. &nbsp;Most recently, Mr. Sheets was Chief Economist and a member of the senior investment team at PGIM Fixed Income, a $900 billion asset manager.&nbsp;
He also has served as Under Secretary of the U.S. Treasury for International Affairs, representing the U.S. government on international economic issues. &nbsp;Previously, he held positions with Citigroup, as Global Head of International Economics, and with the Federal Reserve Board, as Director of the Division of International Finance and FOMC Economist.
In addition, Mr. Sheets was a senior advisor to the U.S. Executive Director of the International Monetary Fund and a visiting fellow at the Peterson Institute for International Economics. He earned a bachelor&rsquo;s degree in economics from Brigham Young University and a PhD from the Massachusetts Institute of Technology.

Nathan Sheets, Global Chief Economist, Citi 

2023 in China is celebrated as the Year of the Rabbit, a symbol of peace, prosperity, and good luck. However, looking at the state of our global economy is less than encouraging. Continued challenges from the pandemic remain in play, the Russia-Ukraine shows few signs of resolution, Europe is in the jaws of a gas shock, and surging inflation has elicited the most aggressive central bank hiking cycle in a generation. In short, the prospects for the global economy look unusually grim. Thankfully, many of the recessions in our forecast are relatively mild and should help pave the way for improved performance by early 2024. Is this all part of the cycle of trends or are we witnessing something completely new? How does business plan for the inevitable behavioral change in how consumers are spending on goods and services? In this episode, we are joined by guests Elaine Buckberg, Chief Economist of General Motors, and Nathan Sheets, the Global Chief Economist at Citi and for a peek behind the curtain into the Economic Outlook through an economist's lens and why they're feeling optimistic. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and General Motors are not affiliated and are independent companies. Citibank has onboarded General Motors as a client for payment solutions. The speaker’s views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates. Forecasts may not be attained. Elaine Buchberg, Chief Economist of General Motors Dr. Elaine Buckberg is Chief Economist of General Motors.&nbsp; She is responsible for assessing the impact of worldwide economic developments on the corporation, and for providing advice on various competitive and economic policy issues.&nbsp; She also heads long-term forecasting of auto segments and vehicles.
&nbsp;
Immediately prior to joining GM, Elaine was a Principal at The Brattle Group, a global economic consultancy, where she conducted research on infrastructure financing and provided expert testimony in high profile financial litigation.&nbsp; She headed Brattle&rsquo;s Washington, D.C. office.
&nbsp;
From 2013-16, Elaine served as Deputy Assistant Secretary for Policy Coordination in the Office of Economic Policy at the U.S. Treasury Department.&nbsp; In that role, she advised and provided economic analysis on a wide range of domestic policy issues including infrastructure, housing and housing finance reform, financial regulatory reform, virtual currency, and retirement security.&nbsp; While at Treasury, Elaine played a leading role in initiating and executing President Obama&rsquo;s Build America Investment Initiative on infrastructure, including authoring two white papers on public-private partnerships and innovative infrastructure financing.&nbsp; She led Treasury&rsquo;s economic analyses to support new regulations on derivative reporting and customer due diligence requirements for financial institutions.
Prior to joining Treasury, Elaine was a Senior Vice President at NERA Economic Consulting, where she provided expert testimony and consulting in litigation and regulatory disputes on a wide range of topics including hedge funds; structured finance; valuation of complex derivatives; and foreign exchange.&nbsp;&nbsp; She was actively involved in firm management as a member of NERA&rsquo;s Board of Directors and head of the Strategy Committee.
As a Vice President at Morgan Stanley, she was a currency strategist and then worked in Market Risk Management. &nbsp;Elaine began her career as an Economist at the International Monetary Fund.&nbsp;
Elaine holds a Ph.D. in Economics from the Massachusetts Institute of Technology and a B.A. in Economics and English Literature from Yale University. Nathan Sheets, Global Chief Economist, Citi Nathan Sheets, PhD, is Global Chief Economist at Citigroup. &nbsp;In this role, he leads the firm&rsquo;s surveillance and forecasting of the global economy and directs the analysis of the firm&rsquo;s economics team. &nbsp;He interacts closely with Citi&rsquo;s major institutional clients and internal risk takers, and publishes research on cross-cutting themes shaping the global economy and financial markets. &nbsp;Most recently, Mr. Sheets was Chief Economist and a member of the senior investment team at PGIM Fixed Income, a $900 billion asset manager.&nbsp;
He also has served as Under Secretary of the U.S. Treasury for International Affairs, representing the U.S. government on international economic issues. &nbsp;Previously, he held positions with Citigroup, as Global Head of International Economics, and with the Federal Reserve Board, as Director of the Division of International Finance and FOMC Economist.
In addition, Mr. Sheets was a senior advisor to the U.S. Executive Director of the International Monetary Fund and a visiting fellow at the Peterson Institute for International Economics. He earned a bachelor&rsquo;s degree in economics from Brigham Young University and a PhD from the Massachusetts Institute of Technology.

2023 in China is celebrated as the Year of the Rabbit, a symbol of peace, prosperity, and good luck. However, looking at the state of our global economy is less than encouraging. In this episode, we are joined by guests Elaine Buckberg, Chief Economist of General Motors, and Nathan Sheets, the Global Chief Economist at Citi and for a peek behind the curtain into the Economic Outlook through an economist's lens and why they're feeling optimistic.

Good Things Happen Episode 5: Macro Trends and Economic Outlook

Diverse financial institutions across the United States make crucial investments in their communities but are often overlooked for business opportunities by potential clients in favor of bigger Wall Street firms. Citi helps such minority-owned banks, equipping them with the tools to be competitive and participate more fully in the financial services industry. Building access to these financial resources at an institutional level is an important step in addressing the racial wealth gap. In this episode of Good Things Happen, we talk with Susan Plumb, Chair and CEO of Bank of Cherokee County, Dominik Mjartan, President and CEO of Optus Bank, and Harold Butler, Head of Citi’s Diverse Financial Institutions Group about what meaningful work looks like for diverse, mission-driven banks, and how the banking industry is being transformed. Citibank N.A. (“Citi”), Bank of Cherokee County and Optus Bank are not affiliated and are independent companies, though Citi has a nominal equity investment in both the Bank of Cherokee County and Optus Bank. The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

Diverse financial institutions across the United States make crucial investments in their communities but are often overlooked for business opportunities by potential clients in favor of bigger Wall Street firms. Citi helps such minority-owned banks, equipping them with the tools to be competitive and participate more fully in the financial services industry. Building access to these financial resources at an institutional level is an important step in addressing the racial wealth gap.
&nbsp;
In this episode of Good Things Happen, we talk with Susan Plumb, Chair and CEO of Bank of Cherokee County, Dominik Mjartan, President and CEO of Optus Bank, and Harold Butler, Head of Citi&rsquo;s Diverse Financial Institutions Group about what meaningful work looks like for diverse, mission-driven banks, and how the banking industry is being transformed.
 Citibank N.A. (&ldquo;Citi&rdquo;), Bank of Cherokee County and Optus Bank are not affiliated and are independent companies, though Citi has a nominal equity investment in both the Bank of Cherokee County and Optus Bank. The speakers&rsquo; views are their own and may not necessarily reflect the views of Citi or any of its affiliates.
All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.

Dominik Mjartan, President and CEO of Optus Bank Dominik Mjartan is President and CEO of Optus Bank, a U.S. Treasury certified CDFI and an MDI (FDIC designated Minority Depository Institution). He spent more than a decade as a senior executive officer at a community development bank, Southern Bancorp, most recently as the Executive Vice President of Southern Bancorp, Inc. (SBI), a holding company for Southern Bancorp Bank and CEO of an affiliated lending company Southern Bancorp Community Partners (SBCP). He is past Chair of the CDFI Coalition and a current director of the Community Development Bankers Association and the National Bankers Association, D.C. based advocacy organizations. He is also finance chair of Midlands Arts Conservatory and serves on the finance committee of Women&rsquo;s Rights &amp; Empowerment Network. Dominik also serves on the board of directors of the South Carolina Association for Community Economic Development and South Carolina Bankers Association. He earned an MBA at the University of Ulster in United Kingdom, graduating with distinction. He graduated Summa Cum Laude and as a Donaghey Scholar with a B.S. in management from University of Arkansas Little Rock. His wife Georgia is nationally recognized leader and director of South Carolina First Steps, an agency focused on delivering high quality early childhood education services to all children in South Carolina. They strive to live their personal and professional lives according to their family&rsquo;s mission statement &ldquo;to ensure that all people have a fair chance to live productive lives.&rdquo; Dominik came to Optus Bank in the fall of 2017 as President/CEO. He, along with his family, joined successful entrepreneurs Chairman Mitchell and Director Loyd as an investor to build the bank into a transformational wealth building ministry that serves all people regardless where they are on their wealth building journey. Under his leadership, Optus Bank reached over $185 million in assets up from the low of $47 million while directing nearly 90% of loans to underserved communities, businesses and people.

Dominik Mjartan is President and CEO of Optus Bank, a U.S. Treasury certified CDFI and an MDI (FDIC designated Minority Depository Institution). He spent more than a decade as a senior executive officer at a community development bank, Southern Bancorp, most recently as the Executive Vice President of Southern Bancorp, Inc. (SBI), a holding company for Southern Bancorp Bank and CEO of an affiliated lending company Southern Bancorp Community Partners (SBCP). He is past Chair of the CDFI Coalition and a current director of the Community Development Bankers Association and the National Bankers Association, D.C. based advocacy organizations. He is also finance chair of Midlands Arts Conservatory and serves on the finance committee of Women&rsquo;s Rights &amp; Empowerment Network. Dominik also serves on the board of directors of the South Carolina Association for Community Economic Development and South Carolina Bankers Association. He earned an MBA at the University of Ulster in United Kingdom, graduating with distinction. He graduated Summa Cum Laude and as a Donaghey Scholar with a B.S. in management from University of Arkansas Little Rock. His wife Georgia is nationally recognized leader and director of South Carolina First Steps, an agency focused on delivering high quality early childhood education services to all children in South Carolina. They strive to live their personal and professional lives according to their family&rsquo;s mission statement &ldquo;to ensure that all people have a fair chance to live productive lives.&rdquo; Dominik came to Optus Bank in the fall of 2017 as President/CEO. He, along with his family, joined successful entrepreneurs Chairman Mitchell and Director Loyd as an investor to build the bank into a transformational wealth building ministry that serves all people regardless where they are on their wealth building journey. Under his leadership, Optus Bank reached over $185 million in assets up from the low of $47 million while directing nearly 90% of loans to underserved communities, businesses and people.

Dominik Mjartan, President and CEO of Optus Bank

Harold E. Butler, Jr.​ Head of Diverse Financial Institutions Group, Global Spread Products Cross-Asset, Financing and Securitization, Citi Harold E. Butler, Jr. is a leader in Markets Financing and Securitization group and is responsible for leading Citi&rsquo;s Diverse Financial Institutions Group that consists of support for Minority Deposit Institutions, Diverse Broker Dealers and Asset Managers. He manages and delivers a composition of capital markets, transactional, consumer and corporate banking solutions to a number of small and mid-sized financial institutions. He advises on risk, strategic planning and provides executive coaching to C-Suite leaders. Harold is also responsible for the support of the U.S. Treasury&rsquo;s Mentor Prot&eacute;g&eacute; Bank program, where he leads opportunities and the integration of minority banks onto federal contracts and teaming arrangements. He advises on government best practices, and minority banking. Harold joined Citi in 2006, and currently serves as the Co-Head of the Diversity Operating Committee for Banking, Capital Markets and Advisory, which focuses on talent recruitment, retention and enrichment. He serves as a founding member of the Diversity and Inclusion Advisory Board within Citi&rsquo;s Institutional Clients Group. Harold has over 35 years of experience supporting the U.S. government, as a member of the armed forces and as a technologist and banker. Harold is a veteran of the U.S. Army, having served at XVIII Airborne Corps and 1st Corps Support Command at Fort Bragg, North Carolina, and with NATO in Mons, Belgium. Subsequently, he led various business development efforts during a decade at Microsoft and spent eight years at Freddie Mac as the lead technologist for the Securities, Sales and Trading Group. Harold has been engaged in numerous leadership, charitable and mentoring initiatives over the years. He currently serves as Chair of the National Bankers Association Advisory Board, he serves on board of trustees for PREP for PREP and he has held board positions at several non-profit child development and welfare centers, Sigma Pi Phi Fraternity, and Leadership Fairfax. Harold holds a B.A. from the University of Maryland.

Harold E. Butler, Jr. is a leader in Markets Financing and Securitization group and is responsible for leading Citi&rsquo;s Diverse Financial Institutions Group that consists of support for Minority Deposit Institutions, Diverse Broker Dealers and Asset Managers. He manages and delivers a composition of capital markets, transactional, consumer and corporate banking solutions to a number of small and mid-sized financial institutions. He advises on risk, strategic planning and provides executive coaching to C-Suite leaders. Harold is also responsible for the support of the U.S. Treasury&rsquo;s Mentor Prot&eacute;g&eacute; Bank program, where he leads opportunities and the integration of minority banks onto federal contracts and teaming arrangements. He advises on government best practices, and minority banking. Harold joined Citi in 2006, and currently serves as the Co-Head of the Diversity Operating Committee for Banking, Capital Markets and Advisory, which focuses on talent recruitment, retention and enrichment. He serves as a founding member of the Diversity and Inclusion Advisory Board within Citi&rsquo;s Institutional Clients Group. Harold has over 35 years of experience supporting the U.S. government, as a member of the armed forces and as a technologist and banker. Harold is a veteran of the U.S. Army, having served at XVIII Airborne Corps and 1st Corps Support Command at Fort Bragg, North Carolina, and with NATO in Mons, Belgium. Subsequently, he led various business development efforts during a decade at Microsoft and spent eight years at Freddie Mac as the lead technologist for the Securities, Sales and Trading Group. Harold has been engaged in numerous leadership, charitable and mentoring initiatives over the years. He currently serves as Chair of the National Bankers Association Advisory Board, he serves on board of trustees for PREP for PREP and he has held board positions at several non-profit child development and welfare centers, Sigma Pi Phi Fraternity, and Leadership Fairfax. Harold holds a B.A. from the University of Maryland.

Harold E. Butler, Jr.​ Head of Diverse Financial Institutions Group, Global Spread Products Cross-Asset, Financing and Securitization, Citi 

Susan Plumb CEO, Bank of Cherokee County Susan Chapman Plumb was appointed to the Federal Reserve Bank of Kansas City&rsquo;s Oklahoma City Branch Board of Directors in 2017. Ms. Chapman Plumb serves as board chair and chief executive officer at Bank of Cherokee County, headquartered in Tahlequah, Oklahoma, heart of the Cherokee Nation. A citizen of the Cherokee Nation, Ms. Chapman Plumb received her Journalism degree from the University of Oklahoma and her law degree from the University of Tulsa and holds a certificate from the school&rsquo;s American Indian law program. Bank of Cherokee County was one of the first Native Owned CDFIs Certified by the U.S. Treasury. Ms. Chapman Plumb has been in banking for over 20 years and previously practiced law in Cherokee County where she represented Cherokee families and children upholding the Indian Child Welfare Act on some of the first cases of the type in the Cherokee Nation. She also serves as a board member on the Tahlequah Hospital Foundation and Markoma Christian Ministries. Ms. Chapman Plumb has served as a delegate to the Cherokee National Constitutional Convention, Chairperson of the Cherokee Nation Election Commission and is a trustee for the Cherokee National Historical Society. She and her husband Loyal have four daughters, four grandsons and three granddaughters, and live on the Upper Illinois River in Cherokee County, Oklahoma.

Susan Chapman Plumb was appointed to the Federal Reserve Bank of Kansas City&rsquo;s Oklahoma City Branch Board of Directors in 2017. Ms. Chapman Plumb serves as board chair and chief executive officer at Bank of Cherokee County, headquartered in Tahlequah, Oklahoma, heart of the Cherokee Nation. A citizen of the Cherokee Nation, Ms. Chapman Plumb received her Journalism degree from the University of Oklahoma and her law degree from the University of Tulsa and holds a certificate from the school&rsquo;s American Indian law program. Bank of Cherokee County was one of the first Native Owned CDFIs Certified by the U.S. Treasury. Ms. Chapman Plumb has been in banking for over 20 years and previously practiced law in Cherokee County where she represented Cherokee families and children upholding the Indian Child Welfare Act on some of the first cases of the type in the Cherokee Nation. She also serves as a board member on the Tahlequah Hospital Foundation and Markoma Christian Ministries. Ms. Chapman Plumb has served as a delegate to the Cherokee National Constitutional Convention, Chairperson of the Cherokee Nation Election Commission and is a trustee for the Cherokee National Historical Society. She and her husband Loyal have four daughters, four grandsons and three granddaughters, and live on the Upper Illinois River in Cherokee County, Oklahoma.

Susan Plumb CEO, Bank of Cherokee County

Diverse financial institutions across the United States make crucial investments in their communities but are often overlooked for business opportunities by potential clients in favor of bigger Wall Street firms. Citi helps such minority-owned banks, equipping them with the tools to be competitive and participate more fully in the financial services industry. Building access to these financial resources at an institutional level is an important step in addressing the racial wealth gap. In this episode of Good Things Happen, we talk with Susan Plumb, Chair and CEO of Bank of Cherokee County, Dominik Mjartan, President and CEO of Optus Bank, and Harold Butler, Head of Citi’s Diverse Financial Institutions Group about what meaningful work looks like for diverse, mission-driven banks, and how the banking industry is being transformed. Citibank N.A. (“Citi”), Bank of Cherokee County and Optus Bank are not affiliated and are independent companies, though Citi has a nominal equity investment in both the Bank of Cherokee County and Optus Bank. The speakers’ views are their own and may not necessarily reflect the views of Citi or any of its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Dominik Mjartan, President and CEO of Optus Bank Dominik Mjartan is President and CEO of Optus Bank, a U.S. Treasury certified CDFI and an MDI (FDIC designated Minority Depository Institution). He spent more than a decade as a senior executive officer at a community development bank, Southern Bancorp, most recently as the Executive Vice President of Southern Bancorp, Inc. (SBI), a holding company for Southern Bancorp Bank and CEO of an affiliated lending company Southern Bancorp Community Partners (SBCP). He is past Chair of the CDFI Coalition and a current director of the Community Development Bankers Association and the National Bankers Association, D.C. based advocacy organizations. He is also finance chair of Midlands Arts Conservatory and serves on the finance committee of Women&rsquo;s Rights &amp; Empowerment Network. Dominik also serves on the board of directors of the South Carolina Association for Community Economic Development and South Carolina Bankers Association. He earned an MBA at the University of Ulster in United Kingdom, graduating with distinction. He graduated Summa Cum Laude and as a Donaghey Scholar with a B.S. in management from University of Arkansas Little Rock. His wife Georgia is nationally recognized leader and director of South Carolina First Steps, an agency focused on delivering high quality early childhood education services to all children in South Carolina. They strive to live their personal and professional lives according to their family&rsquo;s mission statement &ldquo;to ensure that all people have a fair chance to live productive lives.&rdquo; Dominik came to Optus Bank in the fall of 2017 as President/CEO. He, along with his family, joined successful entrepreneurs Chairman Mitchell and Director Loyd as an investor to build the bank into a transformational wealth building ministry that serves all people regardless where they are on their wealth building journey. Under his leadership, Optus Bank reached over $185 million in assets up from the low of $47 million while directing nearly 90% of loans to underserved communities, businesses and people. Harold E. Butler, Jr.​ Head of Diverse Financial Institutions Group, Global Spread Products Cross-Asset, Financing and Securitization, Citi Harold E. Butler, Jr. is a leader in Markets Financing and Securitization group and is responsible for leading Citi&rsquo;s Diverse Financial Institutions Group that consists of support for Minority Deposit Institutions, Diverse Broker Dealers and Asset Managers. He manages and delivers a composition of capital markets, transactional, consumer and corporate banking solutions to a number of small and mid-sized financial institutions. He advises on risk, strategic planning and provides executive coaching to C-Suite leaders. Harold is also responsible for the support of the U.S. Treasury&rsquo;s Mentor Prot&eacute;g&eacute; Bank program, where he leads opportunities and the integration of minority banks onto federal contracts and teaming arrangements. He advises on government best practices, and minority banking. Harold joined Citi in 2006, and currently serves as the Co-Head of the Diversity Operating Committee for Banking, Capital Markets and Advisory, which focuses on talent recruitment, retention and enrichment. He serves as a founding member of the Diversity and Inclusion Advisory Board within Citi&rsquo;s Institutional Clients Group. Harold has over 35 years of experience supporting the U.S. government, as a member of the armed forces and as a technologist and banker. Harold is a veteran of the U.S. Army, having served at XVIII Airborne Corps and 1st Corps Support Command at Fort Bragg, North Carolina, and with NATO in Mons, Belgium. Subsequently, he led various business development efforts during a decade at Microsoft and spent eight years at Freddie Mac as the lead technologist for the Securities, Sales and Trading Group. Harold has been engaged in numerous leadership, charitable and mentoring initiatives over the years. He currently serves as Chair of the National Bankers Association Advisory Board, he serves on board of trustees for PREP for PREP and he has held board positions at several non-profit child development and welfare centers, Sigma Pi Phi Fraternity, and Leadership Fairfax. Harold holds a B.A. from the University of Maryland. Susan Plumb CEO, Bank of Cherokee County Susan Chapman Plumb was appointed to the Federal Reserve Bank of Kansas City&rsquo;s Oklahoma City Branch Board of Directors in 2017. Ms. Chapman Plumb serves as board chair and chief executive officer at Bank of Cherokee County, headquartered in Tahlequah, Oklahoma, heart of the Cherokee Nation. A citizen of the Cherokee Nation, Ms. Chapman Plumb received her Journalism degree from the University of Oklahoma and her law degree from the University of Tulsa and holds a certificate from the school&rsquo;s American Indian law program. Bank of Cherokee County was one of the first Native Owned CDFIs Certified by the U.S. Treasury. Ms. Chapman Plumb has been in banking for over 20 years and previously practiced law in Cherokee County where she represented Cherokee families and children upholding the Indian Child Welfare Act on some of the first cases of the type in the Cherokee Nation. She also serves as a board member on the Tahlequah Hospital Foundation and Markoma Christian Ministries. Ms. Chapman Plumb has served as a delegate to the Cherokee National Constitutional Convention, Chairperson of the Cherokee Nation Election Commission and is a trustee for the Cherokee National Historical Society. She and her husband Loyal have four daughters, four grandsons and three granddaughters, and live on the Upper Illinois River in Cherokee County, Oklahoma.

Diverse financial institutions across the United States make crucial investments in their communities but are often overlooked for business opportunities by potential clients in favor of bigger Wall Street firms. Citi helps such minority-owned banks, equipping them with the tools to be competitive and participate more fully in the financial services industry. Building access to these financial resources at an institutional level is an important step in addressing the racial wealth gap.

Good Things Happen Episode 6: Closing the Racial Wealth Gap

Social and environmental projects can be amplified through thoughtful, scalable investments whose goal is to generate as much return for the investor as they do for the cause. But what does that look like in 2023, and how do conscious investors ensure their money goes where it’s needed most? We sat down with investor, founder and author Eva Yazhari, general partner of the women-led impact venture capital firm Beyond Capital Ventures, as well as Jorge Rubio Nava, Global Head of Social Finance at Citi, to learn more about how banks and social entrepreneurs are using their portfolio as a catalyst for social progress, and how they’re re-tooling capitalism for those historically excluded by it. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Beyond Capital are not affiliated and are independent companies. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

Social and environmental projects can be amplified through thoughtful, scalable investments whose goal is to generate as much return for the investor as they do for the cause. But what does that look like in 2023, and how do conscious investors ensure their money goes where it&rsquo;s needed most?
&nbsp;
We sat down with investor, founder and author Eva Yazhari, general partner of the women-led impact venture capital firm Beyond Capital Ventures, as well as Jorge Rubio Nava, Global Head of Social Finance at Citi, to learn more about how banks and social entrepreneurs are using their portfolio as a catalyst for social progress, and how they&rsquo;re re-tooling capitalism for those historically excluded by it.
&nbsp;
The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.
Citibank&nbsp;N.A. and Beyond Capital are not affiliated and are independent companies. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

Jorge Rubio Nava, Global Head of Citi Social Finance Jorge Rubio is the global head of Citi Social Finance based in London, UK. Citi Social Finance works across Citi businesses globally to develop scalable business platforms and client solutions that enable the bank, its clients and partners to expand financial inclusion, accelerate access to basic services, boost job creation and scale social infrastructure development. Since 2005, Jorge has participated in the design of Citi's strategy to support the expansion of financial services through Citi's businesses in over 40 countries. Since inception, Citi Social Finance has helped mobilize over $4 billion in funding for clients serving the last mile, with emphasis in women empowerment. Jorge&rsquo;s work around social and financial inclusion spans sustainable value chain development, digital financial services reaching the unbanked, and innovative models that expand access to basic services including power and electricity, water and sanitation, housing, education, and agricultural finance for lower income populations in emerging markets. Citi&rsquo;s efforts in this area have been externally recognized, including with the Inaugural Euromoney award for World&rsquo;s Best Bank for Financial Inclusion. &nbsp; &nbsp; &nbsp;. &nbsp; &nbsp; Interested in digital financial innovation and the development of cashless ecosystems and mobile money, Jorge has formed public and private sector partnerships to expand access through innovative channels. He introduced new crowdsourcing models to develop financial technology solutions that leverage deeper Internet and smartphone penetration among underserved customer segments, which constitutes a new approach to product development in financial services. &nbsp; &nbsp; Jorge holds an MBA from Columbia Business School in the city of New York and the Instituto de Estudios Superiores de la Empresa in Barcelona, Spain.&nbsp; &nbsp; In 2009, Jorge was an Associate to the David Rockefeller Centre for Latin-American Studies at Harvard University where he worked with thought leaders in the areas of impact investment and commercial solutions for lower income markets at the Graduate School of Education, the Kennedy School of Government and the Harvard Business School. &nbsp;

Jorge Rubio is the global head of Citi Social Finance based in London, UK. Citi Social Finance works across Citi businesses globally to develop scalable business platforms and client solutions that enable the bank, its clients and partners to expand financial inclusion, accelerate access to basic services, boost job creation and scale social infrastructure development. Since 2005, Jorge has participated in the design of Citi's strategy to support the expansion of financial services through Citi's businesses in over 40 countries. Since inception, Citi Social Finance has helped mobilize over $4 billion in funding for clients serving the last mile, with emphasis in women empowerment. Jorge&rsquo;s work around social and financial inclusion spans sustainable value chain development, digital financial services reaching the unbanked, and innovative models that expand access to basic services including power and electricity, water and sanitation, housing, education, and agricultural finance for lower income populations in emerging markets. Citi&rsquo;s efforts in this area have been externally recognized, including with the Inaugural Euromoney award for World&rsquo;s Best Bank for Financial Inclusion. &nbsp; &nbsp; &nbsp;. &nbsp; &nbsp; Interested in digital financial innovation and the development of cashless ecosystems and mobile money, Jorge has formed public and private sector partnerships to expand access through innovative channels. He introduced new crowdsourcing models to develop financial technology solutions that leverage deeper Internet and smartphone penetration among underserved customer segments, which constitutes a new approach to product development in financial services. &nbsp; &nbsp; Jorge holds an MBA from Columbia Business School in the city of New York and the Instituto de Estudios Superiores de la Empresa in Barcelona, Spain.&nbsp; &nbsp; In 2009, Jorge was an Associate to the David Rockefeller Centre for Latin-American Studies at Harvard University where he worked with thought leaders in the areas of impact investment and commercial solutions for lower income markets at the Graduate School of Education, the Kennedy School of Government and the Harvard Business School. &nbsp;

Jorge Rubio Nava, Global Head of Citi Social Finance

Eva Yazhari, Co-Founder & CEO, Beyond Capital Fund Eva Yazhari is a seasoned investor, entrepreneur, and CEO with sixteen years of experience working in the venture capital and asset management industries. She&rsquo;s the cofounder and CEO of Beyond Capital, a pioneering impact investing fund dedicated to the belief that investing can inspire good and sustainably improve access to basic goods and services. She also co-hosts The Beyond Capital Podcast.
Eva launched her weekly magazine, The Conscious Investor, in 2019. She has appeared in interviews with the lifestyle brands Goop and Thrive Global, and in Authority Magazine and Cheddar. She also has been a guest on numerous podcasts, and a speaker at family office and impact investing conferences.
Eva lives in Dallas, Texas with her family.

Eva Yazhari is a seasoned investor, entrepreneur, and CEO with sixteen years of experience working in the venture capital and asset management industries. She&rsquo;s the cofounder and CEO of Beyond Capital, a pioneering impact investing fund dedicated to the belief that investing can inspire good and sustainably improve access to basic goods and services. She also co-hosts The Beyond Capital Podcast.
Eva launched her weekly magazine, The Conscious Investor, in 2019. She has appeared in interviews with the lifestyle brands Goop and Thrive Global, and in Authority Magazine and Cheddar. She also has been a guest on numerous podcasts, and a speaker at family office and impact investing conferences.
Eva lives in Dallas, Texas with her family.

Eva Yazhari, Co-Founder & CEO, Beyond Capital Fund 

Social and environmental projects can be amplified through thoughtful, scalable investments whose goal is to generate as much return for the investor as they do for the cause. But what does that look like in 2023, and how do conscious investors ensure their money goes where it’s needed most? We sat down with investor, founder and author Eva Yazhari, general partner of the women-led impact venture capital firm Beyond Capital Ventures, as well as Jorge Rubio Nava, Global Head of Social Finance at Citi, to learn more about how banks and social entrepreneurs are using their portfolio as a catalyst for social progress, and how they’re re-tooling capitalism for those historically excluded by it. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Beyond Capital are not affiliated and are independent companies. The speakers views are their own and may not necessarily reflect the views of Citi or any of its affiliates. Jorge Rubio Nava, Global Head of Citi Social Finance Jorge Rubio is the global head of Citi Social Finance based in London, UK. Citi Social Finance works across Citi businesses globally to develop scalable business platforms and client solutions that enable the bank, its clients and partners to expand financial inclusion, accelerate access to basic services, boost job creation and scale social infrastructure development. Since 2005, Jorge has participated in the design of Citi's strategy to support the expansion of financial services through Citi's businesses in over 40 countries. Since inception, Citi Social Finance has helped mobilize over $4 billion in funding for clients serving the last mile, with emphasis in women empowerment. Jorge&rsquo;s work around social and financial inclusion spans sustainable value chain development, digital financial services reaching the unbanked, and innovative models that expand access to basic services including power and electricity, water and sanitation, housing, education, and agricultural finance for lower income populations in emerging markets. Citi&rsquo;s efforts in this area have been externally recognized, including with the Inaugural Euromoney award for World&rsquo;s Best Bank for Financial Inclusion. &nbsp; &nbsp; &nbsp;. &nbsp; &nbsp; Interested in digital financial innovation and the development of cashless ecosystems and mobile money, Jorge has formed public and private sector partnerships to expand access through innovative channels. He introduced new crowdsourcing models to develop financial technology solutions that leverage deeper Internet and smartphone penetration among underserved customer segments, which constitutes a new approach to product development in financial services. &nbsp; &nbsp; Jorge holds an MBA from Columbia Business School in the city of New York and the Instituto de Estudios Superiores de la Empresa in Barcelona, Spain.&nbsp; &nbsp; In 2009, Jorge was an Associate to the David Rockefeller Centre for Latin-American Studies at Harvard University where he worked with thought leaders in the areas of impact investment and commercial solutions for lower income markets at the Graduate School of Education, the Kennedy School of Government and the Harvard Business School. &nbsp; Eva Yazhari, Co-Founder & CEO, Beyond Capital Fund Eva Yazhari is a seasoned investor, entrepreneur, and CEO with sixteen years of experience working in the venture capital and asset management industries. She&rsquo;s the cofounder and CEO of Beyond Capital, a pioneering impact investing fund dedicated to the belief that investing can inspire good and sustainably improve access to basic goods and services. She also co-hosts The Beyond Capital Podcast.
Eva launched her weekly magazine, The Conscious Investor, in 2019. She has appeared in interviews with the lifestyle brands Goop and Thrive Global, and in Authority Magazine and Cheddar. She also has been a guest on numerous podcasts, and a speaker at family office and impact investing conferences.
Eva lives in Dallas, Texas with her family.

Social and environmental projects can be amplified through thoughtful, scalable investments whose goal is to generate as much return for the investor as they do for the cause. But what does that look like in 2023, and how do conscious investors ensure their money goes where it’s needed most?

Good Things Happen Episode 7:  Investing in Social Impact

The entrepreneur. The start-up founder. The disruptor. We have a clear, cultural idea of what “innovators” look like, but the pieces that come together to bring big ideas to life require more than just one exceptional leader. What needs to happen to go from game-changing idea to real-world impact? In this episode of Good Things Happen, we asked Christina Brun Petersen, Co-Founder and Chief People Officer of Worksome; Todd Keske, Chief Executive Officer of FSI and Tasnim Ghiawadwala, Global Head of Citi Commercial Bank, about the key ingredients to success – the strategy, mindset and resources that help entrepreneurs do what they do best. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A., FSI and Worksome are not affiliated and are independent companies. Citi has onboarded both FSI and Worksome as a client. The speakers' views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

The entrepreneur. The start-up founder. The disruptor. We have a clear, cultural idea of what &ldquo;innovators&rdquo; look like, but the pieces that come together to bring big ideas to life require more than just one exceptional leader. What needs to happen to go from game-changing idea to real-world impact?
&nbsp;
In this episode of Good Things Happen, we asked Christina Brun Petersen, Co-Founder and Chief People Officer of Worksome; Todd Keske, Chief Executive Officer of FSI and&nbsp;Tasnim Ghiawadwala, Global Head of Citi Commercial Bank, about the key ingredients to success &ndash; the strategy, mindset and resources that help entrepreneurs do what they do best.
&nbsp;
 The views expressed herein are those of the speakers and&nbsp;do not&nbsp;necessarily reflect the&nbsp;views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change&nbsp;without notice. Neither the information&nbsp;provided&nbsp;nor any opinion expressed constitutes&nbsp;a solicitation for the purchase or sale of any security. The expressions of opinion&nbsp;are not&nbsp;intended to be a forecast of future events or a guarantee of future results.
Citibank N.A.,&nbsp;FSI and Worksome are not affiliated and are independent companies. Citi has onboarded both FSI and Worksome as a client. The speakers' views are their own and may not necessarily reflect the views of Citi or any of its affiliates.

Christina Brun Petersen, Co-Founder and Chief People Officer of Worksome Christina Brun Petersen co-founded Worksome in 2016. Today she leads the flexible revolution as Worksome&rsquo;s Chief People Officer. Her focus is on creating and delivering a flexible, supportive, and inclusive environment for employees and a best in class hiring experience for candidates.&nbsp;
As a thought leader and changemaker for the global HR community, Christina is passionate about making the future of work a reality. To do so she believes in supporting four fundamental initiatives at work: &nbsp;A people-first company culture that is inclusive, authentic and sustainable; trust and strength based leadership; a flexible workplace that fosters agility and autonomy; and innovation driven by diversity and inclusion. &nbsp;
Christina has spent 12+ years working in the HR space, helping people unlock their potential at all stages of their career - from student interns to executives. &nbsp;Before co-founding Worksome, Christina worked in Higher Education and IT as an HR consultant, teacher, and certified executive coach. &nbsp;Christina earned her Bachelors and Masters from Copenhagen Business School where she specialized in Human Resources Management. She also contributes to Forbes, as part of their esteemed HR council. &nbsp;Christina resides in Copenhagen with her husband and three boys.

Christina Brun Petersen co-founded Worksome in 2016. Today she leads the flexible revolution as Worksome&rsquo;s Chief People Officer. Her focus is on creating and delivering a flexible, supportive, and inclusive environment for employees and a best in class hiring experience for candidates.&nbsp;
As a thought leader and changemaker for the global HR community, Christina is passionate about making the future of work a reality. To do so she believes in supporting four fundamental initiatives at work: &nbsp;A people-first company culture that is inclusive, authentic and sustainable; trust and strength based leadership; a flexible workplace that fosters agility and autonomy; and innovation driven by diversity and inclusion. &nbsp;
Christina has spent 12+ years working in the HR space, helping people unlock their potential at all stages of their career - from student interns to executives. &nbsp;Before co-founding Worksome, Christina worked in Higher Education and IT as an HR consultant, teacher, and certified executive coach. &nbsp;Christina earned her Bachelors and Masters from Copenhagen Business School where she specialized in Human Resources Management. She also contributes to Forbes, as part of their esteemed HR council. &nbsp;Christina resides in Copenhagen with her husband and three boys.

Christina Brun Petersen, Co-Founder and Chief People Officer of Worksome

Tasnim Ghiawadwala is Head of Citi Commercial Bank (CCB) Tasnim Ghiawadwala is Head of Citi Commercial Bank (CCB) for Citi's Institutional Clients Group (ICG). Within this role, she leads efforts in strategy and market growth for CCB, including the enrichment of Citi&rsquo;s digital platforms and molding client-centric solutions to differentiate Citi in this rapidly-evolving marketplace.
Tasnim rejoins Citi after two years at Barclays as their firm&rsquo;s UK Corporate Bank Head, responsible for all UK Corporates, including Public Sector and Real Estate. Prior to joining Barclays, Tasnim was at Citi as EMEA Commercial Bank Head, where she led the transformation of the Commercial Bank to an efficient growth business. Tasnim spent 21 years at Citi and held Senior roles in Investment Banking, Corporate and Commercial Banking as well as Regional Management roles. Before Citi, Tasnim was at JP Morgan and is a Chartered Management Accountant.

Tasnim Ghiawadwala is Head of Citi Commercial Bank (CCB) for Citi's Institutional Clients Group (ICG). Within this role, she leads efforts in strategy and market growth for CCB, including the enrichment of Citi&rsquo;s digital platforms and molding client-centric solutions to differentiate Citi in this rapidly-evolving marketplace.
Tasnim rejoins Citi after two years at Barclays as their firm&rsquo;s UK Corporate Bank Head, responsible for all UK Corporates, including Public Sector and Real Estate. Prior to joining Barclays, Tasnim was at Citi as EMEA Commercial Bank Head, where she led the transformation of the Commercial Bank to an efficient growth business. Tasnim spent 21 years at Citi and held Senior roles in Investment Banking, Corporate and Commercial Banking as well as Regional Management roles. Before Citi, Tasnim was at JP Morgan and is a Chartered Management Accountant.

Tasnim Ghiawadwala is Head of Citi Commercial Bank (CCB) 

Todd Keske, CEO of FSI (Foam Supplies Inc.) 2nd Generation Family Business Owner/President. &nbsp;Experience and extensive record of working in the polyurethanes industry. Grew up on the business, worked from bottom up. &nbsp;Expertise includes PU technology including, Rigid, Flexible, and Integral Skin Foams, Coatings, Adhesives, Sealants &amp; Elastomers, Processing Equipment and Field Technical Service. &nbsp;Educational background in Business Development with a Master of Business Administration (M.B.A.) focused in Business Management, Marketing, Strategy and Change Management from Bradley University

2nd Generation Family Business Owner/President. &nbsp;Experience and extensive record of working in the polyurethanes industry. Grew up on the business, worked from bottom up. &nbsp;Expertise includes PU technology including, Rigid, Flexible, and Integral Skin Foams, Coatings, Adhesives, Sealants &amp; Elastomers, Processing Equipment and Field Technical Service. &nbsp;Educational background in Business Development with a Master of Business Administration (M.B.A.) focused in Business Management, Marketing, Strategy and Change Management from Bradley University

Todd Keske, CEO of FSI (Foam Supplies Inc.)

The entrepreneur. The start-up founder. The disruptor. We have a clear, cultural idea of what “innovators” look like, but the pieces that come together to bring big ideas to life require more than just one exceptional leader. What needs to happen to go from game-changing idea to real-world impact? In this episode of Good Things Happen, we asked Christina Brun Petersen, Co-Founder and Chief People Officer of Worksome; Todd Keske, Chief Executive Officer of FSI and Tasnim Ghiawadwala, Global Head of Citi Commercial Bank, about the key ingredients to success – the strategy, mindset and resources that help entrepreneurs do what they do best. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A., FSI and Worksome are not affiliated and are independent companies. Citi has onboarded both FSI and Worksome as a client. The speakers' views are their own and may not necessarily reflect the views of Citi or any of its affiliates. Christina Brun Petersen, Co-Founder and Chief People Officer of Worksome Christina Brun Petersen co-founded Worksome in 2016. Today she leads the flexible revolution as Worksome&rsquo;s Chief People Officer. Her focus is on creating and delivering a flexible, supportive, and inclusive environment for employees and a best in class hiring experience for candidates.&nbsp;
As a thought leader and changemaker for the global HR community, Christina is passionate about making the future of work a reality. To do so she believes in supporting four fundamental initiatives at work: &nbsp;A people-first company culture that is inclusive, authentic and sustainable; trust and strength based leadership; a flexible workplace that fosters agility and autonomy; and innovation driven by diversity and inclusion. &nbsp;
Christina has spent 12+ years working in the HR space, helping people unlock their potential at all stages of their career - from student interns to executives. &nbsp;Before co-founding Worksome, Christina worked in Higher Education and IT as an HR consultant, teacher, and certified executive coach. &nbsp;Christina earned her Bachelors and Masters from Copenhagen Business School where she specialized in Human Resources Management. She also contributes to Forbes, as part of their esteemed HR council. &nbsp;Christina resides in Copenhagen with her husband and three boys. Tasnim Ghiawadwala is Head of Citi Commercial Bank (CCB) Tasnim Ghiawadwala is Head of Citi Commercial Bank (CCB) for Citi's Institutional Clients Group (ICG). Within this role, she leads efforts in strategy and market growth for CCB, including the enrichment of Citi&rsquo;s digital platforms and molding client-centric solutions to differentiate Citi in this rapidly-evolving marketplace.
Tasnim rejoins Citi after two years at Barclays as their firm&rsquo;s UK Corporate Bank Head, responsible for all UK Corporates, including Public Sector and Real Estate. Prior to joining Barclays, Tasnim was at Citi as EMEA Commercial Bank Head, where she led the transformation of the Commercial Bank to an efficient growth business. Tasnim spent 21 years at Citi and held Senior roles in Investment Banking, Corporate and Commercial Banking as well as Regional Management roles. Before Citi, Tasnim was at JP Morgan and is a Chartered Management Accountant. Todd Keske, CEO of FSI (Foam Supplies Inc.) 2nd Generation Family Business Owner/President. &nbsp;Experience and extensive record of working in the polyurethanes industry. Grew up on the business, worked from bottom up. &nbsp;Expertise includes PU technology including, Rigid, Flexible, and Integral Skin Foams, Coatings, Adhesives, Sealants &amp; Elastomers, Processing Equipment and Field Technical Service. &nbsp;Educational background in Business Development with a Master of Business Administration (M.B.A.) focused in Business Management, Marketing, Strategy and Change Management from Bradley University

The entrepreneur. The start-up founder. The disruptor. We have a clear, cultural idea of what “innovators” look like, but the pieces that come together to bring big ideas to life require more than just one exceptional leader. What needs to happen to go from game-changing idea to real-world impact?

Good Things Happen Episode 8: Enabling the Entrepreneur’s Journey 

The views expressed herein are those of the author and do not necessarily reflect the views of Citigroup Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results.

Good Things Happen Season 2

Sign up to receive the latest from Citi.