Bhagat Sabharwal has 20 years of experience in the Financial and Commercial Real Estate industries, including 14 in Risk Management. His current role at Citi focuses on Fraud Risk Management for the North America consumer and commercial businesses. His team is accountable for policy and oversight relative to strategy and 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 three years at GE Capital in the risk discipline, as well as six years in commercial real estate development working on multi-million dollar development projects.

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