Thomas J. Nadratowski is a Managing Director and Chief Auditor for Global Financial Crimes at Citibank, with over 25 years of financial services experience across all three lines of defense. His career spans client compliance at Merrill Lynch and senior leadership in Global Financial Crimes Compliance at Bank of America, followed by over a decade in Citi’s independent audit. He leads global assurance of financial crime risk, including strategy, execution, and board reporting in complex environments. Thomas led 3LOD engagements through closure of two public AML Consent Orders, engaging with board leaders and regulators. He holds an MBA, Graduate Diploma in AML, is a CAMS, holds Series 7 and 66 FINRA licenses, and completed executive studies at Columbia and Yale.