1 Jane Fraser
CEO, Citi
Five years ago, Jane Fraser was at a gas station in Idaho with her husband when she received a surprise message asking her to call her boss. It was the Friday before Labor Day, and the couple was driving from their house in Wyoming to Montana for a weekend of fly fishing.
Fraser made the call and shortly thereafter, she and her husband turned around and drove five hours back to Wyoming to talk in person to Michael Corbat, the CEO of Citigroup and Fraser's boss. The subject to be discussed: Corbat's pending exit and Fraser's next big assignment.
Fraser, of course, became Citi's CEO, formally succeeding Corbat in 2021, about six months after he called her back from her trip and told her that he would be retiring. The promotion made her the first woman to run Citi and the first, and still only, woman sitting atop a Wall Street bank.
10 Jennifer Taylor
Chief Compliance Officer for CBNA, Banking & International, Citi
Jennifer Taylor's workday spans continents, often beginning in, say, Australia and ending somewhere in Latin America. It's a rhythm that perfectly captures the global scope of her role as Citi's chief compliance officer for banking and international.
With oversight and responsibilities across 160 markets and a physical presence in over 90 countries, Taylor's work puts her at the forefront of international risk management during one of the most transformative periods in financial services.
"I genuinely, really enjoy the challenge of our global footprint," she said. "I find that fascinating."
21 Tasnim Ghiawadwala
Global Head of Commercial Banking, Citi
For the last few years, Tasnim Ghiawadwala has overseen a global expansion of Citi's commercial banking business, an effort that culminated with the launch of operations in Japan in 2024.
The expansion, along with investments in digital platforms, is starting to pay off for Citi in the form of higher average revenue per client and greater productivity for its commercial bankers, Ghiawadwala said.
"We're doing more with clients, acting more globally with clients, helping them in more countries, helping them with more products and solutions," said Ghiawadwala, who has been Citi's global head of commercial banking since 2021. The unit generated roughly $4 billion in revenue in 2024.
22 Pam Habner
Head of Branded Cards and Lending, Citi
Citigroup's Pam Habner is leading her bank into the fiercely competitive and lucrative high-end credit card market against giant competitors like American Express, Capital One and JPMorganChase.
"I've been in financial services for more than 30 years and the competition has always been fierce but today it is at a new level," said Habner, head of branded cards and lending for Citigroup, noting the rush of new and relaunched premium cards that are entering the market.
Habner played a major role in the launch of Strata Elite, Citi's first card for high-end consumers in four years. This comes as Chase recently refreshed its Sapphire card with new travel, fitness and experience perks, and higher fees, and Amex plans a refresh of its Platinum card for 2025. Strata Elite has an annual fee of $595, less than Sapphire's $795 and Platinum's $695.
