The Cyber World

In this special episode of the Good Thing Happen podcast, join Claire Williams OBE, Former Deputy Team Principal of Williams Formula 1 and Yishai Fransis, EMEA Head of Technology in Investment Banking, Citi to discuss navigating the evolving technology landscape and explore how to build an empowered team culture. Claire Williams discusses her experience taking over as the leader of the Williams Formula 1 racing team, including the challenges she faced in getting the team and employees to follow her leadership. She emphasizes the importance of resilience and maintaining a positive mindset in high-pressure situations. Yishai Fransis shares his perspectives on building a empowered team culture in investment banking, and the importance of innovation and technology in driving productivity and efficiency in the finance industry. Both Clare and Yishai emphasize the importance of integrity, humility, and a commitment to continuous learning and improvement as key attributes of successful leaders. They advise aspiring leaders to have confidence in their abilities, be willing to take calculated risks, and focus on bringing out the best in the people around them. Citigroup, Citi and Claire Williams OBE, 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.

In Series 5, Episode 8 of Good Things Happen, host Alex Miller is joined by Erin McCune, Expert Partner, Bain & 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. 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. 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.

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. Lucy Farey-Jones outlines the importance of understanding consumer desires and emotions, as well as the tools and techniques used to gain consumer insights. Alex Craddock highlights how consumer expectations have evolved due to technological advancements, and the need for more personalized and real-time marketing experiences. 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.

In 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.

In series 5, episode 5 of Good Things Happen, host Alex Miller is joined by Irina Gorbounova, Vice President M&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. 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.

In series 5, episode 4 of Good Things Happen, host Jorian Murray is 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. Mary Kate O’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 honor 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 (“Citi”), and Rennie & Associates Realty 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. Citi Private Bank is a business of Citigroup Inc. (“Citigroup”), 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’s or such affiliate’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.

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 landscape, 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’ and the importance of mental health awareness.

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 & 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 cybersecurity, emphasizing the mission-driven nature of the work, the intellectual challenge, and the opportunity to be part of a passionate and collaborative community.

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’s Market’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. Citigroup (“Citi”), Purplegroup and Yoco are not affiliated and are independent companies, though Purplegroup and Yoco has a relationship with Citi through Citi’s Global Markets. 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 informant 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.

In the series finale of Good Things Happen, we joined Citi’s 11th annual Digital Money Symposium in London which took place on 20th June, to be inspired by thought leaders across the financial services ecosystem, discussing ‘the future of finance and money’. Guest host Alex Miller, from Citi’s Global Insights team is joined by Bin Ren, Founder & CEO of Sig Tech and Ronit Ghose, Citi’s Head of Future Finance to discuss the emerging role of artificial intelligence in global banking. Bin Ren tells us about the autonomous AI agents his company is building, including those able to pass the Chartered Finance Analyst exam at 90 percentile performance. He describes the opportunities he sees to use AI to scale the industry, boost productivity and enhance jobs. Ronit Ghose, joins the podcast to talk through AI and the considerations and regulations being put in place to avoid and mitigate risks such as deep fakes and AI hallucinations. Citigroup Incorporated, (Citi) and SigTech are not affiliated and are independent companies. The speakers' views of their owner may not necessarily reflect the views of Citi or any of its affiliates. 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.