Chris Cox

Alex Smith is a Digital Assets Product Manager at Citi, a position he has held since January 2026. His current role sits within the Product function at the Manager level.

Prior to joining Citi, Smith spent approximately four and a half years at SIX Digital Exchange, where he held roles focused on Crypto and, latterly, Public Blockchain and Web3, the latter running from June 2024 to December 2025. Before SIX Digital Exchange, he was at UBS across two separate tenures. His UBS roles included Blockchain Product Manager from February 2016 to March 2020 and Data Management, Engineering and Delivery Lead from July 2018 to April 2021, both based in the Greater New York City area. He also served as Group Data Services Director at UBS from January 2013 to June 2018. Earlier in his career, Smith held roles at Newedge in London, including Sales Technology Manager for EMEA at Director level and Prime Brokerage IT Team Lead. His total stated professional experience spans over 22 years. No educational details are available in the source content.

Austin Collie is Senior Vice President, Digital Wallets and eCommerce Group Product Manager at Citi, a position he has held since July 2021. In this role, he leads a team of digital product managers responsible for digital wallet and eCommerce solutions offered across Citi's credit card and debit card portfolios. Prior to this, he served as Vice President of Digital Wallets and eCommerce Product Management for six months in early 2021, and before that as Vice President of Money Transfers Digital Product Management from January 2019 to December 2020, where he managed the Consumer Bank's domestic and cross-border wire transfers and inter-institutional ACH transfers.

Collie joined Citi in August 2016 as a Management Associate in Digital Engagement Marketing, focused on paperless strategy and marketing for Citi's credit card portfolio. He subsequently moved into a Management Associate role in Global Digital Acquisitions, working on digital account opening for Citi's EMEA consumer markets including Poland, Russia, and the United Arab Emirates. He completed a summer associate rotation in U.S. Cards Product Management in 2015. Before joining Citi, he worked as a Product Analyst at Planet from January 2012 to May 2014, where he was involved in multi-currency card payment processing solution development and implementation.

Biser Dimitrov is Global Head of Digital Assets Technology and Global Head of the DLT Center of Excellence at Citi, both roles held concurrently in New York. The DLT Center of Excellence is a Citi-wide group responsible for governance, risk management, and setting standards, policies, and best practices for the firm's use of distributed ledger technology, including alignment with Citi's DLT Ethical Principles and overall DLT strategy. In his digital assets technology role, assumed in September 2024, he is responsible for delivering digital assets and blockchain projects across multiple business lines, with all use cases converging on the Citi Integrated Digital Assets Platform (CIDAP), developed by Citi's Innovation Labs.

Prior to Citi, Dimitrov was Director of Product Development and Innovation at Mastercard from April 2020 to April 2022, focused on blockchain, crypto, and digital assets products. Before that, he served as Enterprise Blockchain Architect at Tata Consultancy Services from November 2018 to April 2020, leading the blockchain practice in the banking, financial services, and insurance domain. Earlier roles included senior positions at BlockEx and TRADOLOGIC. He holds a degree from Technical University Sofia.

Deborah Querub is Global Head of Digital Assets, Citi Wealth at Citi, a position she has held since July 2022. In this role, she leads digital assets strategy within Citi Wealth, with a focus on blockchain, tokenization, and the integration of digital assets into the broader financial system. Publicly, she has articulated a view that digital assets function as infrastructure underpinning the modern digital economy rather than solely as an asset class, and has pointed to Citi's forecast of $1.6 trillion in stablecoin market size by 2030. She has also addressed the intersection of AI and blockchain, framing AI as generating abundance while blockchain technology introduces scarcity, and has highlighted regulatory clarity in the US and internationally as a prerequisite for broader institutional adoption.

Prior to her current role, Querub was Director of eFX Sales at Citi from August 2019 to July 2022, where she focused on eFX distribution and digital assets client strategy. Before joining Citi, she spent approximately nine years at Goldman Sachs across offices in London and New York, holding Executive Director-level positions in eFX Sales and FX Sales, and earlier in Risk Management within Prime Brokerage. Her Goldman Sachs tenure ran from June 2007 to July 2019. Outside her primary role, she serves as a Board Member at CENY Centro Educativo Español en Nueva York, a non-profit educational institution, and as a Member of the Board of Advisors at Lumhaa, a technology platform. No educational background is disclosed in the available source material.

Joao Paulo (JP) Marchese is the Founder and Project Leader of Citi Token Services for Trade, based in Miami. He leads innovation in digital assets and trade finance at Citi, holding multiple patents in the field.

John Kim is a Digital Assets Product & Strategy Associate at Citi, a role he held from September 2024 to March 2026 in New York. In that position he worked within the digital assets product and strategy function. Prior to that role, he spent one year as a Structured Products Analyst at Citi, focused on a cross-asset mandate with a heavy emphasis on equity-linked notes. He also completed a Sales & Trading Summer Analyst internship at Citi in 2022, rotating through eFX Product, HY Credit Trading, and Equities HT Sales Trading.

Before joining Citi full-time, Kim worked in business development at a Web3 DeFi startup from October 2020 to February 2022, where he was involved with yield farming, borrowing and lending, and NFT platforms. He also completed a FICC Derivatives Trading internship at NH Investment & Securities in Seoul in 2020. He holds a Bachelor of Science in Economics from Duke University, where he also participated in the Duke in New York Financial Markets & Institutions program. He subsequently completed a Professional Culinary Arts program at the Institute of Culinary Education in 2021. As of April 2026, Kim moved to Plume, a public blockchain company, as a Strategic Partnerships Associate.

Kai Leichsenring is Executive Director at the European Centre for Social Welfare Policy and Research, specializing in comparative research on social welfare, health, and long-term care policies in Europe.

Khushboo Miyani is Digital Assets – Global Product Lead at Citi Wealth, a position she assumed in December 2025. Prior to this role, she served as Vice President and Global Wealth Capital Markets Product Strategist at Citi from July 2021 to January 2026, and before that as Vice President in Equity Structured Notes from January to July 2021.

Miyani joined Citi in September 2015 as a Graduate Sales Trading Analyst, rotating across CLO primary syndicate, CEEMEA institutional sales, structured notes trading and issuance solutions, and UK solutions sales. From February 2016 to January 2021, she worked in Structured Notes Trading and Issuance Solutions, where she was responsible for primary issuance pricing and distribution of equity structured notes and OTC products across EMEA — covering payoffs including autocallables, issuer callables, and reverse convertibles — and managed a portfolio of cross-asset structured notes issued by Citi. She also led a team of developers to design and build a pricing portal for clients. Earlier in her career, while studying, she served as a Campus Brand Ambassador at KPMG between August 2013 and June 2015, focused on graduate recruitment. She holds a BSc in Economics with First Class Honours from the London School of Economics and Political Science, and previously attended Watford Grammar School for Girls, where she studied mathematics, further mathematics, economics, and French.

Mark Gracia is Managing Director, Investment Banking at Citi, where he leads the firm's coverage of financial technology and specialty finance companies. He holds the title of Head of Digital Assets Investment Banking at Citi, with explicit responsibility for coverage of blockchain and digital asset companies, as well as digital banks and card issuers. His mandate spans strategic advisory and capital raising assignments, with a focus on valuation, capital structure, capital markets, and mergers and acquisitions.

Gracia hosted the "The New Era of Crypto" panel at Citi's 2025 Private Company Growth Conference – 14th Edition, where participants included the President of Blockchain.com and the Co-CEOs of Kraken. He has been with Citi since July 2006, giving him close to two decades at the institution. His activity includes engagement with Citi's collaboration with Coinbase to explore digital asset applications in institutional payments. He holds a Bachelor of Science in Accounting and Finance from Boston College, where he studied from 2002 to 2006.

Nadine Teychenne is Director, Global Head Digital Assets, Securities Services at Citi, based in London, where she leads the development of Digital Asset Services for Citi's Securities Services business.

Teychenne joined Citi in 2006 and spent over twelve years as a Director in Global Product Development for the custody business, responsible for developing on-exchange clearing and settlement services across Citi's custody network. During that period she also focused on exploring custody services for digital assets. She subsequently served as EMEA Marketing Head of Financial Institutions for Citi's Global Transaction Services business, and prior to that held the role of Asia Pacific Financial Institutions marketing head for GTS, based in Hong Kong. Before joining Citi, she spent eleven years at KPMG in business development with their Hong Kong and China practice, having begun her career as a consultant in KPMG's Australian audit practice. She holds a Masters of Business and a Bachelor of Business in Finance and Accounting from the University of New South Wales, Australia.

Nisha Surendran is Head of Digital Asset Custody at Citi Investor Services, a role she assumed in July 2025, focused on expanding Citi's custody proposition to cover digital assets. Prior to this appointment, she led Citi's cross-business work on tokenized pre-IPO shares in partnership with the Swiss Digital Exchange, and led Citi's fund tokenization proof of concept in 2024. She also served as Emerging Solutions Lead at Citi, where she worked on building solutions using digital assets and tokenization with a primary focus on private markets.

Earlier at Citi, she held the role of ICG Digital Assets Lead for Metaverse, NFT, and Tokenization New Protocols from April 2022 to April 2023, and prior to that worked as Senior Vice President and Vice President focused on technology companies and startups across Western Europe. Before joining Citi's London operations, she was Vice President and Assistant Vice President at Citibank India, where she worked in commercial banking and business development in the middle markets segment. Earlier in her career she held a corporate banking relationship manager role at HDFC Bank. Surendran holds a degree in computer science engineering and a Post Graduate Diploma in Management from the Indian Institute of Management, Kozhikode, India.

Rajuul Sali is Global Head of Services' Digital Assets Technology at Citi, a position he has held since June 2023. In this role, he leads the build of Citi Token Services, a digital assets platform for Citi's Services business built on distributed ledger technology. The platform is designed as a cloud-native, microservices-based, modularised and decoupled architecture, using smart contracts and digital wallets to address overnight cross-border liquidity management and to enable 24/7 high-value payment processing for institutional clients. It also serves the Trade Services business by delivering bank guarantee solutions via smart contracts and digital wallets. Citi Token Services received a Celent Award in 2024 and was named Innovation of the Year by American Banker in 2025.

Prior to his current mandate, Sali served as Head of Equities Global Data Initiatives at Citi from January 2020 to June 2023, concurrently holding a dual role as Head of LATAM Equities Technology. In that capacity, he led a globally federated effort to build out a data fabric across Equities, covering compliance, regulatory, analytics, and operational use cases, and oversaw development of data management tools including a front-office-to-back data reconciliation platform and data catalogue tools. His broader background spans equities sales and trading solutions, total cost analysis, actionable IOIs, alpha capture, and modernisation of data infrastructure covering referential and transactional data. He has a total of over 36 years of experience in technology roles within financial services.

Ronit Ghose is Global Head, Future of Finance at Citi, where he runs the firm's think tank focused on the intersection of finance and technology. His areas of focus include digital assets, the metaverse, Web3, and the application of AI to finance. The Future of Finance team sits within Citi Global Insights, the bank's thought leadership unit, which produces analysis and advice for Citi's clients and leadership. Ghose is the lead author of Citi's GPS Bank of the Future and FinTech report series; the first edition exceeded 250,000 downloads, making it the most-read report Citi has ever published. He has held the Future of Finance role since July 2021, and previously served as Global Head of Banks and Fintech Research at Citi. He joined Citi in 1997 and has covered banks across the Americas, Asia, and EMEA.

Ghose is the author of Future Money, a book on the past, present, and future of money. He holds advisory board positions at several tech and VC firms, including a strategic advisor role at xalts, an infrastructure company focused on programmable assets, and an advisor role at EdenBase, a venture capital fund. He is also an advisory board member at the Centre for Finance, Technology, and Entrepreneurship and at the Centre for Financial Technology at Imperial College Business School. Prior to Citi, he worked at the British Bankers' Association and as a research assistant in the UK Parliament. He holds an undergraduate degree from the University of Oxford, a postgraduate diploma from the University of London, and is a CFA charterholder.

Ryan Rugg is Global Head of Digital Assets at Citi Treasury and Trade Solutions (TTS), where she oversees the integration of blockchain-based solutions for global payments, tokenization, and real-time liquidity for institutional clients. She led the announcement of Citi Token Services, a pilot that enables clients to transfer liquidity between Citi branches on a 24/7 basis using blockchain and smart contract technologies. The service integrates tokenized deposits and smart contracts into Citi's global network, targeting core cash management and trade finance capabilities.

Prior to joining Citi in 2022, Rugg served as Partner and Head of IBM Americas Blockchain for Consulting from 2020 to 2022, where she guided clients on governance, technology infrastructure, and digital asset strategies with a focus on tokenization, identity, provenance, and sustainability. Her team supported the development of New York's Excelsior Pass, a digital wallet for vaccination and PCR test credentials. Before IBM, she was Global Head of Industry at R3 from 2019 to 2020, overseeing blockchain strategies across trade, supply chain, healthcare, telecom, and energy verticals. From 2017 to 2019, she served as Global Head of Insurance at R3, where she launched a Centre of Excellence in partnership with ACORD to support deployment of distributed ledger technology in the insurance sector. Earlier in her career, she spent approximately six years at Morgan Stanley as Executive Director, coordinating across banking, research, wealth management, and institutional platforms. Prior to that, she worked in fixed income at JPMorgan Chase from 2003 to 2009, advising clients on derivative strategies including tender option bond programs and interest rate swaps. Rugg holds a degree from George Washington University with a double concentration in Finance and Management Information Systems.

William Artingstall is Managing Director, Global Head, Digital Asset Payments and eCommerce Services at Citi, a role he assumed in February 2025. In this position, he is responsible for driving the global product strategy for eCommerce clients across all Services product verticals, as well as the digital assets strategy for the Payments organization within Services.

Prior to this role, Artingstall served as Managing Director and Global Head of eCommerce Solutions from January 2024 to March 2025, and before that as Global Co-Head of Cross Border Payments and Receivables from August 2022 to January 2024, where he co-led strategy for Citi's cross-border payments products including WorldLink®, Cross Border Funds Transfer, Cross Border Receivables, and an FX joint venture. Earlier, he was based in San Francisco as Emerging Payments and Business Development Director, focusing on future payments product design and delivery of Citi's global network for West Coast clients. Before joining the Payments team, he served as Head of Treasury and Trade Solutions for South Africa, where he held the role of Responsible Senior Officer with the Payments Association of South Africa, served as a Director of local clearinghouse Bankserv, sat on the Citi country committee, and participated in advisory boards on payments infrastructure modernisation in Southern Africa. He began his career at Citi as a Global Transaction Services analyst, with subsequent roles in Liquidity Management Services and Client Sales. Prior to Citi, he worked in construction, project management, and mining. He holds an MBA from the University of Wales, a BCom Law degree from the University of South Africa (UNISA), and a Diploma in Project Management.