Speakers

Carolina Spalding is the First Line of Defense AML/Sanctions Executive for the U.S. Consumer Cards and Wealth divisions at Citi, where she leads key components of the bank’s Anti–money Laundering and Sanctions strategy, execution, and risk management framework. In this role, she oversees critical AML and Sanctions initiatives designed to strengthen controls, improve effectiveness, enhance customer experience, and support the bank’s regulatory commitments.

With nearly 20 years of experience in the financial services industry, Carolina has built a distinguished career across several major financial institutions. Prior to joining Citi, she spent nearly 15 years at JPMorgan Chase, most recently serving as the Global Head of KYC. In that position, she was responsible for the firm’s Global Know Your Customer program, including policy and standards development, modernization efforts, advisory functions, and governance across multiple business lines and jurisdictions. Before stepping into that global leadership role, she held a range of operational, and investigative leadership positions within JPMorgan Chase’s AML organization.