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

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.

Good Things Happen Season 3

APPLE

SPOTIFY 

YOUTUBE

<span style="color: rgb(0, 0, 0); font-family: Citi-Sans-Text-Regular; font-size: 14px; font-weight: 100; text-align: left; white-space: normal; background-color: rgb(255, 255, 255); float: none; display: inline;">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 4

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.&nbsp;

Good Things Happen Season 4

<div>
<div>
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.
</div>
</div>
&nbsp;

Season 5

Apple

Spotify

YouTube

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 hosts Jorian Murray and Alex Miller to debate some of the biggest questions of our time.&nbsp;&nbsp;

Good Things Happen Season 5

Transcript

In series 5, episode 1 of Good Things Happen, host Jorian Murray is joined by Charles Savage, CEO of Purple Group, Bradley Wattrus, Co-founder of Yoco and Keyuri Chibba, Head of Africa Digital FX Sales in Citi&rsquo;s Market&rsquo;s division to discuss the Rise of Fintech in Africa, and share their pioneering stories in the financial technology space.
Charles Savage discusses his online investment platform and reflects on the challenges faced by the South African investment landscape and the need for a more user-friendly interface to drive the democratization of investing.
Bradley Wattrus highlights the importance of empowering small businesses in South Africa by providing them with affordable and accessible point-of-sale systems and the need for infrastructure development and regulatory frameworks to support the growth of Fintech in Africa.
Keyuri Chibba discusses her role in supporting businesses with foreign exchange solutions. She highlights the growth of remittance businesses and e-commerce in Africa, as well as the potential of cryptocurrencies in the region.
Our guests express optimism for the opportunities in innovation, collaboration, and the development of second-tier services and raise the importance of aligning regulatory frameworks, improving infrastructure, and fostering a strong startup culture to drive the growth of the Fintech ecosystem in Africa.
&nbsp;
Citigroup (&ldquo;Citi&rdquo;), Purplegroup and Yoco are not affiliated and are independent companies, though Purplegroup and Yoco has a relationship with Citi through Citi&rsquo;s Global Markets.&nbsp; 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 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.

Keyuri Chibba is the Head of Africa Digital FX Sales in Citi&rsquo;s Market&rsquo;s division covering Corporates, Financial Institutions and Digital companies. She leverages Citi&rsquo;s global FX franchise which comprises of 120 countries and over 500 currency pairs.
Keyuri joined Citi&rsquo;s Johannesburg branch in 2017, working within Corporate Sales and Derivatives before moving to the Digital FX Solutions team in 2020 and relocating to London in 2022. &nbsp;She is passionate about the economic growth and potential that exists on her home continent and focuses on providing &nbsp;FinTechs and Digital Companies across Africa &nbsp;with end-to-end digital FX solutions. Keyuri co-partners with clients, where liquidity and capital controls across many African countries can be challenging, to create bespoke, innovative solutions. She combines her FX expertise with Citi&rsquo;s technology, to help her clients move funds cross border, create efficiencies and empower economic growth.&nbsp; &nbsp; Prior to Citi, &nbsp;Keyuri worked &nbsp;at Nedbank CIB, structuring client FX hedging solutions. She was a member for 2 years on the Executive Management board in Citi&rsquo;s South Africa branch, enjoys mentoring and holds a BSc Finance degree from the University of Cape Town.

Keyuri Chibba, Head of Africa Digital FX Sales, Markets, Citi 

Charles Savage is CEO of listed financial services entity Purple Group. He is an experienced Chief Executive Officer with a demonstrated history of working in the financial services industry. Charles is a strong business development professional skilled in Capital Markets, Management, Hedge Funds, Strategic Planning, and Business Development. He has been in fintech for about 20 years and is continuing his journey with the growth of EasyEquities &ndash; a leading fintech which now boast over 2 million clients and impressive growing revenue across both retail and institutional clients. &nbsp; Charles is passionate about mentoring and empowering people to grow and protect their wealth. He has a low tolerance for &ldquo;impossible&rdquo;, loves to innovate and spend time with his wife and children. Occasional surfer, fisherman and chef.

Charles Savage, CEO, Purple Group

Bradley co-founded Yoco, an innovative fintech company dedicated to empowering small businesses in South Africa. Yoco provides tools that enable entrepreneurs to get paid, run their businesses more efficiently, and drive growth. With over 150,000 merchants onboarded, Yoco plays a vital role in the digital payments landscape.
Bradley studied risk management in Johannesburg and began his career in strategy consulting with Monitor Group. He then joined Rocket Internet in Lagos, Nigeria, to help launch Jumia.ng before starting Yoco. As the CFO at Yoco, he manages the legal, risk, and finance functions and drives strategy for new financial services and market expansion.

Bradley Wattrus, Co-Founder and CFO, Yoco

In series 5, episode 1 of Good Things Happen, host Jorian Murray is joined by Charles Savage, CEO of Purple Group, Bradley Wattrus, Co-founder of Yoco and Keyuri Chibba, Head of Africa Digital FX Sales in Citi&rsquo;s Market&rsquo;s division to discuss the Rise of Fintech in Africa, and share their pioneering stories in the financial technology space.
&nbsp;

/rcs/citigpa/storage/public/GTH-S05E01_TranscriptL.pdf

Good Things Happen E1: The Rise of Fintech in Africa

In series 5, episode 2 of Good Things Happen, host Jorian Murray is joined by Ann Barron-Dicamillo, Global Head of Cyber Operations, Citi, and Ann Johnson, CVP &amp; Deputy CISO, Microsoft, to discuss cybersecurity and career opportunities, key challenges including third-party risks, defending against AI-powered attacks, and preparing for the impact of quantum computing on encryption.
Ann Barron-Dicamillo and Ann Johnson share advice for young talent considering a career in cyber-security, emphasizing the mission-driven nature of the work, the intellectual challenge, and the opportunity to be part of a passionate and collaborative community.
Citigroup, (Citi) and Microsoft are not affiliated and are independent from each other. The speakers 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.

Ann is a seasoned information security executive with over 25 years of extensive experience in both the public and private sectors, specializing in cyber operations and the delivery of information security services. She possesses an exceptional understanding of the cyber threat landscape and has a proven track record of assisting organizations in making well-informed and balanced risk decisions. At Citi, Ann is the executive responsible for overseeing all cyber operations, including assessment, 24/7 monitoring and detection, intelligence, and incident response and recovery and management. She manages all Vulnerability Assessments, Red Teams/Pen Testing, and Cloud Security Operations and Incidence Response programs. Additionally, she oversees the Cyber Security Fusion Centers, which includes cyber threat intelligence centers and also conducts internal and external cyber exercises including the Executive Management Team and the Board. She has direct oversight for the Global Security Operations Centers, which include Threat Detection Hunt and Incident Response and Forensic teams.
Before joining Citi, Ann was Vice President in the technology organization at American Express. There, she managed global cybersecurity operations and directed information security monitoring, overseeing cyber intelligence and incident response. Ann spent the first 20 years of her career in Washington, D.C., in public sector roles. She served as the Director of the United States Computer Emergency Readiness Team (US-CERT) at the Department of Homeland Security (DHS), where she led efforts to enhance the nation&rsquo;s cybersecurity posture, coordinated cyber information sharing, and proactively managed cyber risks. Her responsibilities included overseeing the 24/7 operations center, analyzing and mitigating cyber threats and vulnerabilities, disseminating cyber-threat warnings, and supporting incident-response activities with government and critical industry partners. Prior to her role at DHS, Ann held leadership positions within the Departments of Defense and Commerce and worked as a legislative aide to a former U.S. Congressman. Outside of government, she has experience working with system integration firms in software development and applications development. Ann is also Chair of the Board for the Financial Services Information Sharing and Analysis Center (FS-ISAC).
Ann has served as an Adjunct Professor at the Kogod School of Business at American University, teaching Cybersecurity, Risk Management, and Governance at both graduate and undergraduate levels. She holds a bachelor&rsquo;s degree from Baylor University and a Master of Science in Information Systems from American University. She was competitively selected and completed Harvard Kennedy School&rsquo;s Senior Executive Fellows (SEF) program in 2016, AmEx&rsquo;s Accelerated Leadership Development Program at Duke University in 2019, and most recently Citi&rsquo;s inaugural Enterprise Leadership Experience at Columbia University, Alumni Cohort 2024. Ann has been a Certified Information Systems Security Professional (CISSP) since 2003. She resides outside of Philadelphia with her husband and two young adult sons and enjoys running and participating in Orange Theory Fitness. She loves immersing herself in sci-fi, fantasy, and mystery novels, and she's also a fan of puzzle games.

Ann Barron-Dicamillo, Global Head of Cyber Operations, Citi

Ann Johnson is Corporate Vice President and Deputy CISO at Microsoft. In this role, Ann drives all external engagement for the Microsoft Office of the CISO. She is a long tenured, recognized thought leader on cybersecurity and a sought-after global speaker and digital author specializing in cyber resilience, online fraud, cyberattacks, compliance, and security. &nbsp;She is a published author on cybersecurity and co-creator and host of the Afternoon Cyber Tea podcast.&nbsp; &nbsp; Ann challenges traditional schools of thought and cyber-norms&ndash;from the way the tech industry tackles cyber threats to the language it uses to communicate&ndash;and encourages the industry to get outside its comfort zones and expand how it addresses the evolving threat landscape with the power of technology and people. As a global cybersecurity leader and strategist, she is looking ahead at how today&rsquo;s cybersecurity investments will impact tomorrow&rsquo;s cybersecurity reality. &nbsp; &nbsp; Ann currently serves on the Board of Directors of N-Able, Human Security, Datavant, and is Member of the Board of Advisors for Cybersecurity Center of Excellence, WA and the Signal Cyber Museum Society. Ann is also the Executive Sponsor of the Microsoft Women in Security Group.&nbsp;

 Ann Johnson, CVP & Deputy CISO, Microsoft

In series 5, episode 2 of Good Things Happen, host Jorian Murray is joined by Ann Barron-Dicamillo, Global Head of Cyber Operations, Citi, and Ann Johnson, CVP &amp; Deputy CISO, Microsoft, to discuss cybersecurity and career opportunities, key challenges including third-party risks, defending against AI-powered attacks, and preparing for the impact of quantum computing on encryption.
&nbsp;

/rcs/citigpa/storage/public/GTH_S5_E2_transcript-FINAL.pdf

Good Things Happen E2: The Cyber World 

In series 5, episode 3 of Good Things Happen, host Jorian Murray is joined by Alastair Campbell, writer, communicator, strategist and former advisor to British prime minister Tony Blair, to discuss the changing landscape of political communication, the role of traditional and social media, and the challenges of maintaining truth and reason in modern political debates.
Campbell shares his views on the current UK political situation, the Labour government under Keir Starmer, and the importance of political education and restoring trust in democratic institutions.
The conversation also touches on Campbell's current work, including co-hosting the popular podcast "The Rest is Politics&rdquo; and the importance of mental health awareness.&nbsp;
&nbsp;
Citigroup (Citi) and Alastair Campbell are not affiliated and are independent from each other. The speakers views of 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.

Alastair Campbell is a writer, podcaster, communicator, campaigner and strategist best known for his role as former British Prime Minister Tony Blair&rsquo;s spokesman, press secretary and director of communications and strategy. Still active in politics and campaigns in Britain and overseas, he now splits his time between writing, speaking, broadcasting, charities and consultancy.
He has written nineteen books in the past sixteen years, including eleven volumes of diaries, four novels, a Number 1 best-selling analysis of what it takes to win in politics, business and sport, Winners and How They Succeed, and two personal accounts of depression and the pursuit of happiness. His second mental health memoir, Living Better: How I learned to survive depression, was also a Sunday Times best-seller, as was his last book, But What Can I Do? an analysis of what has gone wrong with politics, with some ideas about how to put it right. He is currently working on a politics book aimed at young children.
In the spring of 2022, he launched a podcast, The Rest Is Politics, with former Tory Cabinet minister Rory Stewart, which has regularly topped the UK podcast charts, and they have sold out some of the biggest and most prestigious venues in the UK, among them the Albert Hall and the Usher Hall, for live events. They now also do an interview channel, Rest Is Politics Leading, and have talked to a number of former Prime Ministers, including John Major, Theresa May and Tony Blair, leading international politicians, among them Hillary Clinton, Arnold Schwarzenegger and Francois Hollande, and a host of British figures from politics and beyond.
He co-founded the all-party campaign, Equality4MentalHealth, which was credited in Parliament by then Chancellor George Osborne with securing an extra &pound;600million for mental health services. In November 2017 Campbell was awarded an honorary fellowship of the Royal College of Psychiatrists in recognition of his leadership role in breaking down the stigma surrounding mental illness, and in fighting for better services.
Though he left a full-time role with the Blair government in 2003, he returned for the subsequent three general elections to help first Blair, then Gordon Brown and Ed Miliband, and despite having been expelled under Jeremy Corbyn for voting against the Party&rsquo;s Brexit policy in European elections, he remains an active campaigner for Labour. He advised the Better Together campaign against Scottish independence in 2014, worked for the People&rsquo;s Vote Campaign in the failed pursuit of a second Brexit referendum and remains an outspoken opponent of Brexit and the refusal of the main parties to recognise the damage it has done to Britain. He continues to advise progressive parties, in particular in the Balkans, where he has for some years been a strategic director for the Albanian Socialist Party, who won a landslide victory in June 2013, making Edi Rama Prime Minister, a second term four years later, and a third in 2021. He acted as a campaign advisor to successive French Presidents, Fran&ccedil;ois Hollande and Emmanuel Macron.
Campbell has been Humanitas Visiting Professor on media at Cambridge University, and has been honoured by University College Dublin, Trinity College Dublin and University College Cork for his contribution to the Northern Ireland Peace Process. He is on the advisory board of Portland PR, and in addition independently acts as an advisor to governments, businesses, charities, sports organisations and high profile individuals. He helped to found the world&rsquo;s first university in football business, UCFB, in Burnley, Lancashire, which has since extended to Wembley and Manchester City&rsquo;s Etihad stadium, as well as overseas.
He was born in Yorkshire in 1957, the son of a vet. His family moved to Leicester in 1968, and he went to school there until going to Cambridge University in 1975. He graduated four years later with a degree in modern languages. His university education included a year in France when he had his first &lsquo;journalism&rsquo; published, articles on sex in Forum magazine. He also busked around the world with his bagpipes. Finally he decided to become a journalist and trained with the Mirror Group on local papers in the West Country before joining the Mirror itself in 1982.
He left in the mid 80s to work for Eddy Shah&rsquo;s Today newspaper as news editor but had a nervous breakdown and left to return to the Mirror after convalescence. He rose to become political editor and the paper&rsquo;s chief political columnist. He then worked briefly for Today under new ownership in 1994 before being asked by Tony Blair to be his press secretary when Mr Blair became leader of the Labour Party. Mr Blair, in his own autobiography, credited Mr Campbell with coining the phrase &lsquo;New Labour&rsquo; as the label for the party&rsquo;s strategy, and described him as a &lsquo;genius&rsquo; for the role he played in helping to create New Labour, return the Party to power, and win three general elections.
After the 1997 landslide election victory he became the Prime Minister&rsquo;s Chief Press Secretary and Official Spokesman, which entailed the co-ordination of Government communications and twice daily briefings of the press. He was seconded to NATO in 1999 to oversee communications during the Kosovo conflict. After helping Mr Blair win a second landslide election victory, he became Director of Communications and Strategy. He did this until he resigned in September 2003, saying it had been an enormous privilege but he wanted more of a life with his partner Fiona and their three children, Rory, Calum and Grace, now aged 36, 34 and 29. He has been portrayed in many films and TV adaptations, most notably perhaps The Queen, and is often thought to be the main inspiration for Armando Ianucci&rsquo;s satirical creation, Number 10 spin doctor Malcolm Tucker.
His main interests outside work are cycling, open water swimming, running, bagpipes and following Burnley FC. He took up running in 2003 at the instigation of his sons and he has run the London Marathon, the Great North Run, and the Great Ethiopian Run, and completed several full triathlons, all for Bloodwise, his best friend John Merritt having been killed by leukaemia.
In July 2007, he published his first book on his time with Tony Blair, The Blair Years, extracts from his diaries from 1994 to 2003, which was an instant Sunday Times Number 1 bestseller. He has since published eight volumes of the full diaries, and a special edition of the diaries focused on the Northern Ireland peace process, &lsquo;The Irish Diaries&lsquo;. His first novel, All In The Mind, appeared in November 2008, to enthusiastic reviews for its frank examination of mental illness. His second novel Maya, a gripping analysis of fame and the obsession it attracts, was published in February 2010. His third novel, published in September 2013, was called My Name Is, and tells the story of a young girl&rsquo;s descent into alcoholism. This led to him becoming an ambassador for Alcohol Concern. His fourth novel, Saturday Bloody Saturday, co-written with former footballer Paul Fletcher, was published in February 2018, and was a Sunday Times best-seller.
In October 2008 Alastair broadcast an award-winning one hour documentary on BBC2 about his own breakdown in 1986. Both the film, Cracking Up, and All In The Mind, won considerable praise from mental health charities and campaign groups for helping to break down the taboo surrounding mental health, leading to his election as Mind Champion of the Year award in May He made a further BBC documentary, &lsquo;My Depression and Me&rsquo; in 2019, which became the basis for Living Better: How I Learned to Survive Depression. He has also made an award-winning documentary about Burnley FC, another BBC documentary about alcoholism, and a film about wildlife. He has made a film too about his love of bagpipe music, which ended with him performing in front of 2,500 people in Glasgow&rsquo;s Royal Concert Hall.
In December 2017, a musical project he was involved in won the Community Award at the Na Trads traditional Scottish music awards. He had played the bagpipes at a concert in Glasgow earlier in the year, staged entirely by musicians with links to Tiree, where his father was born and raised. The Tiree Community Songbook was made into a CD, which won the Traditional Music award. During the COVID pandemic, he performed on the bagpipes in a charity song written by Martin Gillespie of Scottish band Skerryvore, &ldquo;Everyday Heroes&rdquo;, which topped the iTunes download charts within hours of release. In November 2021 Campbell was featured in the BBC series Winter Walks.
In the wake of the referendum in which the UK voted to leave the EU, he helped set up a new newspaper, The New European. He is editor-at-large and writes a weekly column for the paper. For several years, he wrote a monthly interview for GQ magazine, and covered figures as varied as Prince William and Jose Mourinho, Al Gore and the Archbishop of Canterbury, Nicola Sturgeon and Nicola Adams. Passionate about sport, he was written about different sports for The Times, the Irish Times and Esquire magazine. He was communications adviser to the British and Irish Lions rugby tour of New Zealand in 2005. He led a fundraising drive for Burnley FC, a team he has supported since the age of four, when the club was in financial trouble. They are currently in the Premier League. His charity projects have involved him playing football with both Diego Maradona and Pele, and appearing in a one off version of the popular TV programme, The Apprentice.
In 2021, following the departure of Piers Morgan from ITV&rsquo;s Good Morning Britain, he was asked to be one of a pool of new presenters. In the summer of 2022 he co-presented with Tory Peer Sayeeda Warsi the Channel 4 show, Make Me Prime Minister, aimed at finding &ldquo;ordinary people&rdquo; who wanted to be politicians.
In his time in Downing Street he was involved in all the major policy issues and international crises. He has said that in ten years in the media, and a decade in politics, he saw his respect for the media fall and his respect for politics rise. He was called to the Leveson Inquiry into press standards twice, first for his insights into modern journalism, second to give his views on the changed relationship between politics and media. He won a phone-hacking case against News International, and was a witness for Prince Harry in his case against the Mirror Group.
He lives mainly in London, with his partner of forty-three years, journalist and education campaigner Fiona Millar.

Alastair Campbell, Former Advisor to British Prime Minister Tony Blair

Special Edition 

We are joined by Alastair Campbell, writer, communicator, strategist and former advisor to British Prime Minister Tony Blair, to discuss the changing landscape of political communication, the role of traditional and social media, and the challenges of maintaining truth and reason in modern political debates.
&nbsp;

/rcs/citigpa/storage/public/GTHS05E03_Transcript_FINAL.pdf

Good Things Happen E3: The World of Politics

Transcript 

GPS report 

In series 5, episode 4 of Good Things Happen, host Jorian Murray is joined by Mary Kate O&rsquo;Hare, Head of Art Advisory, Citi, and Wendy Chang, Director of the Rennie Collection, to discuss the appeal of collecting art and the aesthetic and wealth creation benefits.
Mary Kate O&rsquo;Hare shares her thoughts and advice on the best way to build a collection, shares her passion for art history and her excitement about the future of art and technologies.
Wendy Chang highlights her joy and honour of working with the Rennie collection and her philosophy on how to manage letting go.
Our guests discuss the future of the art market merging with fashion, sports and film industry, and the optimism for how new groups of people are connecting with art and starting to ask questions.
Citigroup (&ldquo;Citi&rdquo;), and Rennie &amp; Associates Realty are not affiliated and are independent from each other.&nbsp; 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 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.
Citi Private Bank is a business of Citigroup Inc. (&ldquo;Citigroup&rdquo;), which provides its clients access to a broad array of products and services available through bank and nonbank affiliates of Citigroup. Not all products and services are provided by all affiliates or are available at all locations. All credit products are subject to credit approval.
Nothing contained herein is a commitment to lend by Citibank, N.A. or an affiliate.
Citi Private Bank Art Advisory is a comprehensive fine art consulting service that provides collection administration, estate consultation, and philanthropic planning.
The Art Advisory Service charges an annual retainer that varies depending on the scope of the project and the size and locations of the collection, as well as transaction fees for buying and selling works of art. Clients must sign an Art Advisory Service Agreement. Those who are not clients of Citi Private Bank must meet certain thresholds and open an account. Prospective clients will be referred to a Private Banker for guidance through the process of opening an account. Citi Private Bank clients must sign an Art Advisory Service Agreement.
Alternative assets such as art are speculative, may not be suitable for all clients, and are intended for those who are willing to bear high economic risks. Citi Private Bank Art Advisory does not advise clients how to profit from the purchase of art or guarantee that a particular piece can be sold or otherwise used for a financial transaction for any amount including an amount equal to the purchase price.
Art loans are extended to qualified borrowers on a secured basis. All loans and lines are made by Citibank, N.A. or an affiliate, equal opportunity lenders, and are subject to Citibank&rsquo;s or such affiliate&rsquo;s qualifications, underwriting guidelines and credit approval. The views expressed herein are those of Citi Private Bank Art Advisory 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 artwork.

Wendy Chang has served as the first director of Rennie Collection since 2006 and became the founding director of Rennie Museum in 2009. Prior to her current position, she spent fifteen years working extensively with leading institutions and collections worldwide as managing director of a limited editions program and a Los Angeles based gallery representing a roster of globally active artists. Currently she serves on the Board of Trustees for the Association of Art Museum Curators and its associate Foundation. Wendy has been an active supporter of AIRS Program from early in its conception, most recently serving on its advisory committee and now as a member of the board.

Wendy Chang, Director of the Rennie Collection

With over 25 years of curatorial and academic experience, Mary-Kate brings extensive expertise in US, European and Latin American modern and contemporary art to our clients.Previously, Mary-Kate served as Curator of American art at the Newark Museum and held a fellowship at the Clark Art Institute. She has organized several critically lauded exhibitions and has taught numerous university-level art history courses and seminars. She continues to regularly publish and speak on modern and contemporary art.Mary-Kate earned a MA and Ph.D. in art history from Rutgers University, writing her dissertation on the work of John Singer Sargent.

Mary-Kate O’Hare, Head of Citi Private Bank Art Advisory

We are joined by Mary Kate O’Hare, Head of Art Advisory, Citi, and Wendy Chang, Director of the Rennie Collection, to discuss the appeal of collecting art and the aesthetic and wealth creation benefits.

/rcs/citigpa/storage/public/GTH_S5_E4_Transcript.pdf

Good Things Happen E4: The Art Market

GPS Report

In series 5, episode 5 of Good Things Happen, host Alex Miller is joined by Irina Gorbounova, Vice President M&amp;A and Head of XCarb Innovation Fund, ArcelorMittal, and Liz Curmi, Global Thematic Analyst, Citi Global Insights, to discuss hard to abate industries, and share their insights on decarbonization and how the world progresses to net zero in this space.
Irina Gorbounova outlines key opportunities for the steel industry, including the potential to reduce carbon emissions and address climate change, and for cross-industry collaboration and partnerships to accelerate low-carbon solutions.
Liz Curmi highlights the progress that the steel, cement, and shipping sectors have made in decarbonizing, spurred by government support and legislation like the Inflation Reduction Act.
Our guests express cautious optimism for opportunities and progress, but they acknowledge the significant work required to decarbonize these industries, recognising the challenges but importance of the journey ahead.
&nbsp;
Citigroup, Citi and ArcelorMittal are not affiliated and are independent from each other. Though ArcelorMittal has a client relationship with Citi through Citi's banking and international business. The speaker's views of their own and may not necessarily reflect the views of Citi or any of its affiliates or opinions are subject to change Without notice, neither the information provided nor any opinion expressed constitutes the 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.

Irina Gorbounova is a senior leader focused on sustainability, impact investments, and decarbonization. At ArcelorMittal, the world&rsquo;s leading steel and mining company, she is responsible for executing strategic M&amp;A deals and sustainable ventures in steel and mining. She also leads the investments of XCarb&trade;, an innovation fund focused on companies developing breakthrough technologies to accelerate the steel industry&rsquo;s transition to carbon neutral steelmaking. Irina has about two decades of experience in breakthrough technology investments and impact investing and an expertise in mergers and acquisitions. She is in the board of numerous high-impact growing companies, including Boston Metal, H2Pro, Hydeal and Form Energy among others. Irina is a member of the Leadership council of the Breakthrough Energy Catalyst and member of GCV Global Industry Sustainability Council. She has also strong philanthropic presence, serving as a Member Board of Directors at the International Centre for Missing &amp; Exploited Children and Impact Campaigner of Women in Renewable Energy, a non for profit global network of professional women in the renewable energy industry. With extensive experience in M&amp;A and venture leadership, Irina is passionate about a zero-carbon future for the steel and mining industry and brings a forward-thinking perspective on how to achieve net zero goals.

Irina Gorbounova, Vice President M&A and Head of XCarb Innovation Fund, ArcelorMittal

Liz Curmi, PhD, is a Director and Global thematic analyst working within the newly created Citi Global Insights division, designed to provide thought leadership content and insight to the full breadth of Citi&rsquo;s client base. She works in the Sustainable Finance Team and leads the workstream on climate finance and energy transition. Liz is the lead author of many of the most read Citi GPS reports including food and climate change, climate finance, Global Carbon Markets, Hard to Abate Sectors and Emissions and Voluntary Carbon Markets. She has co-authored several other reports including biodiversity and sustainable ocean economy. Prior to joining Citi, she worked as a postdoc researcher at the University of Cambridge focusing on the interconnections between water, energy and land resources and their impacts on greenhouse gas emissions. During this time, she had countless meetings with policy makers all over the world, providing advice on the impact that climate change could have on natural resources including the availability of water and the production of food. Liz has a PhD in environmental economics and has presented her work in many academic conferences, UNECE, UNFCCC COP meetings, corporates and to government officials. She has worked with many of the leading experts in sustainability including the University of Cambridge, University of Oxford, Stanford, Tsinghua University, University of Berkeley, and others. She has also published her research in many of the leading scientific journals including Nature Climate Change.

Elizabeth Curmi, Global Thematic Analyst, Citi Global Insights 

Read the Citi GPS report on Hard to Abate Sectors and Emissions II. 

Our guests express cautious optimism for opportunities and progress, but they acknowledge the significant work required to decarbonize these industries, recognizing the challenges but importance of the journey ahead.

/rcs/citigpa/storage/public/GTH_S5_E5_Hard_To_Abate_Sectors_Transcript.pdf

Good Things Happen E5: Hard to Abate Sectors

In series 5, episode 6 of Good Things Happen, host Alex Miller is joined by Melissa Gong Mitchell - Executive Director, Global Coalition on Ageing, Professor Ian Goldin - Professor of Globalization and Development, Oxford University and Nathan Sheets - Global Chief Economist, Citi to discuss Embracing Demographics and to share their insights on the macroeconomic implications, challenges and opportunities in this space.Citigroup (“Citi”), Oxford Martin and Global Coalition on Ageing are not affiliated and are independent from each other, though Oxford Martin has an academic partnership with Citi through Citi Global Insights. 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.

Melissa Gong Mitchell is Executive Director of the Global Coalition on Aging, the leading business voice on aging policy and strategy. She also serves as Senior Managing Director at High Lantern Group, a strategic communications consulting firm. GCOA uniquely brings together global corporations across industry sectors to promote good public policy and market-based solutions to enable healthy aging and drive growth in the silver economy. In her role, Melissa is responsible for the operations and management of the coalition, internal and external advocacy and communication strategies, and member and stakeholder outreach and development, including fostering relationships and aligning partners across industry, academia, the NGO community, advocacy organizations, governments and global institutions. Melissa has spoken around the world about the opportunities of the aging mega-trend and the role of business in leveraging aging for economic growth. She has served as a Board Member of Champions of Aging, a non-profit aimed at strengthening cross-generational connections by offering paid service year opportunities to college students and graduates, as well as a member of the Professions Working Group for Age-friendly New York City and a member of the Benefit Committee of the Skin Cancer Foundation. Her more than 20 years of public affairs experience includes specialties in policy-related and CEO-level strategic communications, advocacy campaigns and coalition building. Previously, Melissa was Director of Industry Relations and Strategic Outreach at the U.S. Travel Association, responsible for grassroots development and industry initiatives, having driven multiple campaigns leading to positive legislative outcomes. Prior to U.S. Travel, she served as Executive Director of the Travel Business Roundtable, a CEO-based advocacy organization, and an associate at Prime Policy Group (formerly BKSH &amp; Associates), a Washington-based government affairs firm. Melissa holds an MBA from Georgetown University and a BA in Journalism and Psychology from the University of Mississippi.

Melissa Gong Mitchell is Executive Director of the Global Coalition on Aging

Professor Ian Goldin was the founding Director of the Oxford Martin School from September 2006 to September 2016. He is currently Oxford University Professor of Globalisation and Development, Senior Fellow at the Oxford Martin School, a Professorial Fellow at the University’s Balliol College and responsible for the Oxford Martin School Programmes on the Future of Work, Technological and Economic Change, and Future of Development. During his decade as Director the School established 45 programmes of research, bringing together more than 500 academics from across Oxford, from over 100 disciplines, and becoming the world’s leading centre for interdisciplinary research into critical global challenges. Professor Goldin initiated and was Vice-Chair of the Oxford Martin Commission for Future Generations, which brought together international leaders from government, business, academia, media and civil society to address the growing short-term preoccupations of modern politics and business, and identify ways of overcoming today’s gridlock in key international negotiations. The Commission's report, Now for the Long Term, was published in October 2013. From 2003 to 2006 he was Vice President of the World Bank, and prior to that the Bank’s Director of Development Policy (2001-2003). He served on the Bank’s senior management team and led the Bank’s collaboration with the United Nations and other partners as well as with key countries. As Director of Development Policy, he played a pivotal role in the research and strategy agenda of the Bank. From 1996 to 2001 he was Chief Executive and Managing Director of the Development Bank of Southern Africa and served as an advisor to President Nelson Mandela. He succeeded in transforming the Bank to become the leading agent of development in the 14 countries of Southern Africa. During this period, Goldin served on several Government committees and Boards, and was Finance Director for South Africa’s Olympic Bid. Previously, Goldin was Principal Economist at the European Bank for Reconstruction and Development (EBRD) in London, and Program Director at the OECD Development Centre in Paris, where he directed the Programs on Trade, Environment and Sustainable Development. He has a BA (Hons) and a BSc from the University of Cape Town, an MSc from the London School of Economics, and an MA and Doctorate from the University of Oxford. Goldin has received wide recognition for his contributions to development and research, including having been knighted by the French Government and nominated Global Leader of Tomorrow by the World Economic Forum. He is the presenter of three BBC series After the Crash, Will AI Kill Development? and The Pandemic That Changed the World and has published over 50 articles and 23 books, the most recent of which are Rescue: From Global Crisis to a Better World, and Terra Incognita: 100 Maps to Survive the Next 100 Years.

Professor Ian Goldin, Professor of Globalization and Development,  Oxford University

Nathan Sheets, PhD, is Global Chief Economist at Citigroup. In this role, he leads the firm’s surveillance and forecasting of the global economy and directs the analysis of the firm’s economics team. He interacts closely with Citi’s major institutional clients and internal risk takers, and publishes research on cross-cutting themes shaping the global economy and financial markets. Most recently, Mr. Sheets was Chief Economist and a member of the senior investment team at PGIM Fixed Income, a $900 billion asset manager. He also has served as Under Secretary of the U.S. Treasury for International Affairs, representing the U.S. government on international economic issues. 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’s degree in economics from Brigham Young University and a PhD from the Massachusetts Institute of Technology.

Nathan Sheets, Global Chief Economist, Citi 

Download the Citi GPS report on Embracing Demographics.

“Embracing Demographics” &nbsp;The empowerment&nbsp; and engagement of&nbsp;demographics, crucial to&nbsp;economic success.

/rcs/citigpa/storage/public/GTH_Podcast_S5_E6_Embracing_Demographics_Transcript.pdf

Good Things Happen E6: Embracing Demographics

In Series 5, Episode 7 of Good Things Happen, host Jorian Murray is joined by Lucy Farey-Jones, Chief Strategy Officer, Register and Alex Craddock, Chief Marketing and Content Officer at Citi to discuss Understanding Customer Needs and to share their insights on marketing, expectations of consumers and the impact since the digital revolution.&nbsp;Lucy Farey-Jones outlines the importance of understanding consumer desires and emotions, as well as the tools and techniques used to gain consumer insights.&nbsp;Alex Craddock highlights how consumer expectations have evolved due to technological advancements, and the need for more personalized and real-time marketing experiences.&nbsp;Our guests reflect on the need to improve communication about and advocate for their profession, establishing common terminology and methodologies to gain more respect and influence within organizations.Citigroup (“Citi”), and Register are not affiliated and are independent from each other. 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.

The founder of Register, a strategic design consultancy based in San Francisco, Lucy is a marketing strategist obsessed with technology and behavior change. Over her three-decades-long career, she has worked on some of the biggest brands in the world: Volkswagen, Unilever, Audi, HBO, Microsoft, Autodesk, Google, Barclays, REI, Lyft, and Asana, to name a few. Before starting Register, she was co-founder and Chief Strategy officer of Venables Bell + Partners. Business Insider voted her one of the most creative women in the world. All in all, Lucy’s work has garnered 12 EFFIES across seven categories for outstanding marketing effectiveness. Her 2019 TED talk on her firm's research into consumer perceptions of AI has over 2 million views. Lucy is an angel investor and a classic car tinkerer, but her proudest achievement, by far, is raising her two amazing children, Molly and Ana.

Lucy Farey-Jones, Founder, Chief Strategy Officer, Register 

Alex Craddock, Managing Director, Chief Marketing and Content Officer, leads Citi’s Global Marketing and Content function. He is responsible for client, segment and product marketing across Citi’s five business segments as well as brand, sponsorships, client events and the global insights function. Prior to joining Citi, Alex was Global Chief Marketing Officer at BlackRock, responsible for developing and executing a global marketing strategy that accelerated the commercial growth of the firm, built BlackRock’s corporate brand reputation and strengthened client preference for the BlackRock, iShares, and Aladdin brands. Alex joined BlackRock in 2018, as Global Chief Marketing Officer for BlackRock’s ETF and Index Investing business, iShares. He joined from HP Inc. where he led global marketing for HP’s PC and mobile device business. Alex began his career in the automotive industry holding various business development and marketing roles at Renault and Honda in the UK and across Europe. He continued to build his marketing experience at global agency networks, building out digital practices and leading global client accounts. Following this Alex spent 12 years at Visa Inc. where he held various executive marketing leadership roles across EMEA, Asia Pacific as well as North America, his last position being SVP, Global Head of Brand &amp; Product Marketing. Alex has more than 30 years’ experience in international marketing and business development and has lived and worked in France, UK, Singapore, and the US. He holds a BA (Hons) degree in European Business and French from Nottingham Trent University.

Alex Craddock, Chief Marketing and Content Officer, Citi 

Our guests reflect on the need to improve communication about and advocate for their profession, establishing common terminology and methodologies to gain more respect and influence within organizations.<o:p></o:p>

/rcs/citigpa/storage/public/GTH_Podcast_S05EP0_Understanding_Customer_Needs_Transcript.pdf

Good Things Happen E7: Understanding Customer Needs

In Series 5, Episode 8 of Good Things Happen, host Alex Miller is joined by Erin McCune, Expert Partner, Bain &amp; Company and Sophia Bantanidis, Analyst, Future of Finance, Citi Global Insights to discuss The Future of Cross Border Payments and to share their insights on new technologies and innovations, partnerships and competitive dynamics reshaping the landscape.&nbsp;Erin McCune provides an optimistic outlook on the rapid improvements in cross-border payments, the key drivers of growth, and the role of emerging technologies.&nbsp;Sophia Bantanidis highlights the importance of cross-border payments, the competition from fintechs, and how banks are responding with alternative payment methods and AI. Our guests reflect on the need for collaboration across the entire ecosystem of banks, fintechs, and regulators and continued innovation and public-private partnerships to deliver faster, cheaper, and more transparent solutions.&nbsp;Reference to the survey in the podcast is based on the Citi GPS report called Cross-Border Payments 24/7. The report is based on findings from the 2024 Citi Treasury and Trade Solutions survey of about 100 financial institutions from around the world, including banks, fintechs, and insurance companies. The full report can be found on the Citigroup.com site.&nbsp;Citigroup, Citi and Bain are not affiliated and not independent from each other. The speaker's 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.

Erin McCune is a payments and fintech expert focused on digitizing enterprise/SMB payments and financial processes. Her areas of focus include: A2A transactions, cross border payments (P2P, B2B, B2C), recurring billing and subscriptions, B2B payments, AR/AP process optimization and the intersection of corporate finance, treasury banking and enterprise software/ERP/accounting. Currently, Erin is exploring BaaS/embedded finance for business use cases; API enabling A2A; ensuring that “faster payment” and ISO 20022 transform bill pay, B2B, and how SMEs invoice and get paid; the interplay between large companies and their smaller counterparties (whether vendors or customers); addressing transactions and delivering data via directories and digital IDs; payment enabling eGov for national, state/provincial, and municipal entities to improve access and service levels; blockchain and its implications for supply chain, B2B and cross-border payments. She is based in San Francisco, California.

Erin McCune, Expert Partner, Bain & Company

Sophia Bantanidis is an Analyst in the Future of Finance team within Citi Global Insights. She joined Citi’s Transaction Banking Business (TTS) as the EMEA Head of Regulatory and Market Strategy from Northern Trust where she managed a team as the EMEA Head of Regulatory Developments enabling the bank to commercialise regulatory change for clients as well as to comply with rules and regulations. She is on the Innovate Finance Women in FinTech Powerlist for 5 consecutive years 2021-2017, she is the Greek International Woman of the Year for Finance (awarded 2021) and was shortlisted as a finalist for the Women in Finance FinTech Champion of the Year (2018 and 2019) and Disruptor of the Year (2019) categories. Since joining Citi Sophia has been actively involved in the broader global FinTech ecosystem, influencing regulators as they formalise their innovation policy programmes, has been mentoring FinTech and RegTech firms, actively represents Citi externally at key conferences / industry events and regularly briefs clients on the intersection of innovation, regulation and technology. Sophia speaks 5 languages; she has worked at two financial services regulators (in France and in the UK), banks and asset managers in various business areas including derivative products strategic communications and risk. She has made a huge impact to financial services regulation and wrote the world’s first binding rules on bankers pay and bonuses which were issued by the UK Financial Services Authority- since renamed to Financial Conduct Authority (FSA Consultation Paper 09/10 and Policy Statement with final rules 09/15 http://187.191.71.192/expediente/8227/mir/19677/anexo/677525 - see page 4) which paved the way for rules at the EU level under the Capital Requirements Directive and standards at the Financial Stability Board (i.e. global level). In her early career she interned with Dow Chemical and Freshfields Bruckhaus Derringer in Germany. Sophia completed her European Baccalaureate in Karlsruhe (Germany) She holds an LLB in UK Law and German Law from University College London and from the University of Cologne as well as a Master’s Degree in European Business from ESCP Europe in Oxford and Paris. In her spare time and in addition to her role at Citi Sophia sits on the Advisory Board of a female-led fashion technology business P.S. Online Styling.

Sophia Bantanidis, Analyst, Future of Finance, Citi Global Insights

Joint E8 to discuss The Future of Cross Border Payments and to share their insights on new technologies and innovations, partnerships and competitive dynamics reshaping the landscape.&nbsp;

/rcs/citigpa/storage/public/GTH_S5_EP8_The_Future_of_Cross_Border_Payments_Final.pdf

Good Things Happen Season 5

Sign up to receive the latest from Citi.