Gonzalo M. Luchetti

Career

1. 2026 – now
   Citigroupsrc
   Chief Financial Officer
2. 2021 – 2026
   Citigroupsrc
   Head of U.S. Personal Banking (branded cards, retail services, retail bank)
   Assumed the role February 2021; on his move to CFO the retail bank went to Wealth and the cards businesses became standalone U.S. Consumer Cards under Pam Habner
3. 2015 – 2021
   Citigroupsrc
   Head of the Asia Retail Bank (from January 2015), then Head of the Consumer Bank in Asia and EMEA
   The 10-K lists both roles; the switch year is not dated in any source reached
4. 2006 – 2015
   Citigroupsrc
   Head of Strategy, Citi Private Bank Latin America (2006), adding CFO of that business (2007); later Global Head of Wealth Management and Insurance
   The Wealth Management and Insurance role is in the 10-K but not dated
5. 2003 – 2006
   JPMorgan Chasesrc
   VP, Strategy & Business Development, Chase Retail Bank
6. 2000 – 2003
   Bain & Companysrc
   Management consultant

Not located: The years of his Citi roles between 2007 and 2021 (Global Head of Wealth Management and Insurance; Head of Consumer Bank Asia & EMEA) are not dated in any source reached. citigroup.com's leadership page and the Stanford GSB bio PDF were egress-blocked

Achievements

• Per the company, U.S. Personal Banking had 12 straight quarters of positive operating leverage under him, with RoTCE of 14.5% in Q3 2025 and 13.0% year to date, more than double a year earliersrc
• Per the company, he digitized Citi's card franchises, modernized the branch network and strengthened risk and controls in U.S. Personal Bankingsrc
• Twenty years at Citi across Latin America, Asia, EMEA and the U.S., including an earlier finance seat as CFO of the Latin America private banksrc
• Chosen as CFO from inside, with the outgoing CFO Mark Mason kept on as Executive Vice Chair through the handover and the 2026 Investor Daysrc

Education

• Stanford Graduate School of Business, MBAsrc
• Instituto Tecnológico de Buenos Aires, BS Computer sciencesrc

Background

• Family Neither the 2026 proxy nor the FY2025 10-K executive-officer section includes an Item 401(d) family-relationships statement; no relative is named in the related-party sectionsrc
• Other A Section 16 filer at Citi since his Form 3 of 2023-09-22, while Head of U.S. Personal Bankingsrc