Wealth, USPB, and the Consumer Strategy — Andy Sieg and the Pivot to Recurring Revenue

Citi's consumer story has gone through massive change in the Fraser era — exiting 14 international consumer markets, integrating retail banking under Wealth, hiring Andy Sieg from Merrill Lynch in 2023, and launching Citi Sky in April 2026 with Google DeepMind. This module gives candidates interviewing in Wealth, U.S. Personal Banking, credit cards, retail technology, or consumer-facing roles the strategic frame and recent moves they need to discuss credibly.