Of the four major money center banks in the United States, Citigroup Inc. (C) has arguably struggled the most in the aftermath of the 2008 financial crisis, requiring the largest amount of government assistance to stay afloat. The bank, with a market capitalization of $203.1 billion, has not become overly conservative in response. Nonetheless, market analysts appear to have significant confidence in Citigroup's management team, pegging a consensus price target for the stock at $83.5 a share, with the stock trading in January 2018 at $76.84 a share. Here is a look at the executives charting the bank's course. 

Michael Corbat

Corbat is the chief executive officer (CEO) at Citigroup. Since becoming CEO in 2012, he has placed emphasis on leveraging the company’s worldwide network to better serve retail consumer and institutional banking clients. Corbat has implemented a focus on strength and efficiency of executing services and holds the entire bank, and its practices, to a very high standard of ethical conduct. For this reason, Corbat is chiefly responsible for making Citi a stronger and more streamlined, operationally efficient bank.

Corbat has been part of the Citigroup family since graduating from Harvard University in 1983, with a bachelor’s degree in economics. Before being named overall CEO of the firm, he was the CEO of Citigroup Europe, Middle East and Africa, overseeing all banking business and trading operations within the region. He also served previously as the CEO of Citigroup’s portfolio of non-core assets and businesses, Citi Holdings, where he directed the shedding of more than 40 businesses and billions of dollars in assets, thereby reducing Citi’s risk and freeing up capital to invest in the company’s core banking operations.

James Forese

Forese is Citigroup’s president and the CEO of the firm’s institutional clients group. He is responsible for overseeing all of Citigroup’s markets and securities services business, investment and corporate banking activities, and treasury and trade solutions business.

Forese graduated with high honors from Princeton University in 1985, with a bachelor’s degree in computer science and engineering. He joined the Salomon Brothers division of Citigroup the same year, beginning his career in securities trading. In 1992, Forese was named a managing director of the division and went on to serve in numerous management positions at Citigroup, including the head of the marketing division and the head of the securities and banking unit. Forese also served as the head of Citigroup’s European fixed-income and international capital markets unit, based in London, thus augmenting his knowledge of international trade and business to bolster his leadership position within the company.

Michael O'Neill

O'Neill has served as chairman of the board of directors at Citigroup since 2012. He has a long history of top-level executive experience in the banking industry, including a stint at rival Bank of America Corporation (NYSE: BAC) as vice chairman and chief financial officer (CFO) from 1995 to 1998.

O'Neill briefly served as the CEO of major U.K.-based banking and financial services firm Barclay's plc (BCS) in 1999 before moving on to become chairman of the executive committee, CEO and director at the Bank of Hawaii Corporation (BOH) in 2000. O'Neill's previous industry experience also includes time spent working as the CFO of Continental Bank. He held the distinction of serving as a member of the Federal Advisory Council of the Federal Reserve Bank of San Francisco and on the advisory committee of the Export-Import Bank of the United States.

O'Neill holds a bachelor's degree in European Civilization, earned at Princeton University, and an MBA degree earned at the Darden School of Business at the University of Virginia.

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