Andres is the founding head of a global business team responsible for Citi’s innovation in digital platforms, advanced customer features and the integration of digital payments into Citi’s channels. He joined Citi from an international personal-finance startup and has served in a variety of digital roles since then, first for Citi Latin America, then for Citi's U.S. consumer businesses, and, since 2012, globally. Andres co-led the teams that made Citi the first bank with an Apple Watch app last month. Previously, as Citi's first global head of mobile banking, he was the lead inventor of Citi Mobile Snapshot, the patented breakout feature that made Citi the first major U.S. bank to offer no-login account access, in 2014. He also led the teams that designed and built Citi’s first global mobile banking app and its award-winning, critically-acclaimed consumer banking iPad app. The first from a major US bank, that iPad app was 3, 9 and 18 months ahead of Facebook’s, LinkedIn’s and Yahoo!