Bhagat Singh Sabharwal has 20+ years of experience in the Financial and Commercial Real Estate industries, including 15 years in Risk Management. His current role at Citi focuses on Fraud Risk Management for the North America Consumer and Institutional businesses. His team is accountable for policy and oversight relative to strategy and the execution of the fraud risk management discipline. His team partners with the business in maintaining a robust management of fraud risk through policy compliance, improvements in technical infrastructure and operational excellence, including driving the expansion of digital channels and products.

His previous roles at Citi have been in Financial Planning & Analysis and Portfolio Risk Management spanning all consumer products globally. Prior to Citi, Bhagat spent 3 years at GE Capital in the risk discipline, as well as 6 years in commercial real estate development working on multi-million dollar development projects.

He holds a MBA in Finance and Strategy from the University of Rochester and a Bachelor’s of Science in Mechanical Engineering.