As we position our legal departments as strategic enablers of business opportunities, regulatory expectations for our industry continue to evolve, markets remain in flux, and the geopolitical environment is increasingly complex. In response, across Citi and within our Caribbean and Central America team we have drawn deeply on the strength of our international talent, the experience and judgment of our senior lawyers, and the diverse global perspectives that distinguish our legal organisation. We played a central role by partnering across the firm to support a series of complex, cross-jurisdictional transactions that sharpened and advanced Citi’s strategic focus and allowed us to maintain cross-border consistency and excellence.

This was a year of challenge and opportunity – one that ultimately left our team stronger. Our most significant accomplishments in dealing with instability were driven by seamless collaboration – Citi lawyers across regions and areas of specialisation working together as a ‘One Legal’ team. We are part of an extraordinary legal team in Latin America, where we collaborate and coordinate on our legal strategies across our team and global partners. This collaboration is also a key strategic priority in my role as Senior Counsel for Banking and International Legal, where I have the privilege of working closely with superb lawyers across the world. Throughout the year, we demonstrated resilience, creativity, and an unwavering commitment to doing what is right for our clients and for the firm. We will continue to build on this foundation. We closed the year stronger, more connected and exceptionally well positioned to support our clients worldwide in a rapidly changing environment.

AI has taken seriously as a potentially revolutionary technological change in the legal world for a number of years now. Has it had a meaningful impact in how your legal team works in this time?

No conversation in 2026 is complete without recognising the central role of artificial intelligence and emerging technologies. Over the past year, our Banking and International legal team has delivered strategic guidance supporting the global deployment of Citi’s enterprise AI tools, enabling innovation at scale while maintaining rigorous standards of excellence. In parallel, within the Caribbean and Central America we have continued to execute a multi-year technology roadmap focused on modernising platforms, strengthening controls, and simplifying processes. Technology and AI are not simply priorities for the future – they are integral to how we operate today and how we will compete tomorrow.

AI is already materially enhancing what we deliver to clients, driving greater results, expanding capabilities, and improving overall services. These advances strengthen our competitive position and will enable us to continue winning going forward. Our innovative thinking and ongoing investment in technology enable our clients to operate seamlessly across borders and time zones. Beyond AI, initiatives such as the integration of Citi Token Services with 24/7 capabilities are embedding Citi and our clients more deeply into the fabric of global commerce. We will continue to embrace innovation and advancements in AI to re-engineer and simplify processes, elevate client delivery, and remain a preeminent, agile player in an increasingly dynamic environment.

What is a cause, business or otherwise, that you are passionate about? Why is this?

Talent development is at the front and centre of Citi’s strategy for our lawyers in Latin America, the Caribbean and Canada. I am committed to contributing to this endeavour by leading high-performing teams and developing our talent. Our lawyers in the Caribbean and Central America and in the Banking and International Legal teams are routinely involved in complex, high-stakes matters that shape the economies of the countries in which we operate. I am passionate about taking an active role in building teams that are prepared to meet these challenges – teams that are connected, dedicated to excellence, and equipped with the right mindset to operate in demanding and uncertain environments. The strategy for the Latin American, Caribbean and Canadian legal teams is to prepare lawyers to deliver at the highest levels of performance and integrity.

Beyond strengthening technical expertise and legal judgement, our teams are equally committed to creating meaningful impact in the communities where Citi has a presence. In the Caribbean and Central America, we collaborate with NGOs, universities and law firms to advance education and entrepreneurial growth. Notable initiatives over the past several years include the Crece tu Empresa programme, which has empowered more than 50 young entrepreneurs across five Central American countries, and our mentorship of talent in the Caribbean to enhance their opportunities. These efforts reflect our broader commitment to social progress and to developing the next generation of leaders.

I am privileged to work alongside colleagues who are widely recognised as industry leaders and who play an integral role in Citi’s global legal network, collaborating seamlessly across countries and time zones. Lawyers from Costa Rica, Guatemala, El Salvador, Panama and the Dominican Republic have been recognised by the GC Powerlist as leading practitioners – an acknowledgement that underscores our dedication to excellence, our ability to respond to the region’s unique needs, and our firm’s strategy. I am passionate about contributing to the development of well-rounded professionals who can navigate evolving challenges with agility and sustain our leadership in the Caribbean and Central America, across Latin America and Canada, and beyond.