Dena is the Managing Director of Citi’s U.S. Retail Bank Branch Channel. Her team of 5600 employees serves 4.5 million consumer and small business customers with $142 billion in deposit and loan balances. She is the driving force behind Citi’s US Branch Transformation strategy which includes responsibility for digital enablement, retail sales, service and operational process design, retail policies and procedures, staffing strategy, and organizational culture. Prior to joining Citibank in 2012, Dena spent 25 years with Bank of America, where she served in a variety of Consumer sales, distribution, and operations leadership roles.