Andres is a director at Citi FinTech, a new unit created to build the bank of tomorrow on a mobile-centric model. He previously headed a global business team responsible for Citi Consumer Banking’s innovation in digital platforms and advanced customer features. He joined from an international personal-finance startup and has served in a variety of digital product and strategy roles since then, first for Citi Latin America, then for Citi’s U.S. consumer businesses, and, since 2012, globally.

In 2015, Andres led the teams that made Citi the world’s first bank with an Apple Watch app. He also holds a U.S. Patent for Citi Mobile Snapshot, a feature that made Citi the first major U.S. bank to give consumers safe access to their accounts without the need to go through authentication every time.

Andres holds an MA in Communications from the University of Leicester (UK). Before becoming a banker, he was a foreign correspondent and international news executive with Reuters, a leading international news agency and financial information provider. He spent his time with heads of state and ministers on three continents; had tea with mass-murderer military dictators; was driven, blindfolded and at gunpoint, around the capital of Paraguay after midnight; and raced in a car at 120 mph along the edge of a minefield in Croatia. He finds most days in banking very manageable.