John Trohan

Zolve streamlines access to digital financial services, including credit, checking, bill payment, and insurance.

Oversight of global balance sheet, funding and debt portfolio across multiple legal entities; Managing fiat / cryptocurrency investment portfolio with meaningful Treasury revenue contribution; Leading global team across treasury, operations (24x7), banking & payments, investments and financial risk management. Leading global (crypto/fiat) Treasury function including: short / long-term funding, liquidity, stress testing, asset / liability management, capital, investments, funds transfer pricing, borrowing strategies, modeling. Global coordination across Institutional / Pro / Consumer segments; managing global banking and payment partners. Business line partner focused on returns, financial reporting, balance sheet optimization while managing liquidity, credit, market and operational risks. Cultivate relationships with the Board, debt investors, trading counterparties, external auditors and vendors. Driving Business Growth: Positioning Treasury as strong business / risk partner by optimizing funding strategies, borrowings, product pricing and improved reporting, liquidity stress testing, capital planning and balance sheet management. Risk Management: Launched Balance Sheet Management Committee (aka “ALCO”); Developed and implemented enterprise-wide credit risk management – including limits, counterparty risk ratings and reporting. Managing liquidity, credit, market, fx, interest rate and operational risks. Responsible for managing corporate insurance programs. Investments: Implemented investment strategies across both operating / client funds driving significant investable balances generating meaningful net new revenue. Strategic Initiatives: Implemented 1st global Treasury Management System (Kyriba;) Developed enterprise-wide capital, liquidity, credit risk and investment frameworks; ensure global banking and payment partner coordination and optimization.

Oversee 100+ person Treasury function (US $4B revenue and US $350B in assets): including enterprise-wide CCAR, RRP programs, rating agencies, debt investor relations. Serve as business line partner focused on returns, financial reporting, balance sheet optimization, hedging, short / long-term funding, liquidity, stress testing, asset / liability management, capital, investments, funds transfer pricing, deposit strategy, modeling, and global coordination across retail/wholesale/digital banking across our banks, branches, and broker-dealer entities; address and build strategies to grow income and maintain competitive position. Manage liquidity risk, market risk, operational risk, and interest rate risk (EVE, EAR, NII) leveraging US $14B derivatives hedge portfolio. Supervise enterprise-wide model development team. Cultivate relations with rating agencies, fixed income debt investors, Board, external auditors and vendors. Manage FRB, OCC, FDIC, and SEC relations. Represent global and Americas organizations in DC. Oversight of US $41B Liquidity Buffer & Multi-Asset Class Investment Portfolio; Generating 10-20% Annual Bank Revenue 6-Year, US $66MM Incremental Average “Alpha” Results Per Annum – Exceeding Budget 77-100 Reports - US $40MM+ Annual IT & Business Project Budgets - Strategic Initiatives of US $60MM+ Strategic & Advisory Leadership: Senior Leadership Advisory Group (Top 30); Top 250 Senior Leader (US); Global Leaders Forum Executive Sponsor: CCAR – MUAH / MUB; Resolution & Recovery Planning – MUAH / MUB & MUBK NY Branch Committee Roles: Americas Asset Liability Committee (ALCO); Benefits Investment Committee (Chair); CCAR; Balance Sheet & Returns Committee; Disclosure and Accounting Committee; Americas Risk Committee; Capital Management Committee Board Member: Banker’s Commercial Corporation (US $2B Leasing Company)

Treasurer & Business Line Partner for Wholesale / Retail (Investment Banking, Corporate Banking, Retail Banking, Wealth, Credit Cards) Investment Authority for US $18B Liquidity Buffer; Instituted new Board-Level Risk Reporting: BCI & BGUS Administered America’s Treasury functions for US $550B+ in balance sheets [Barclays Bank and branches, Barclays Capital Inc. (broker-dealer) and Barclays Bank Delaware (credit card) legal vehicles] in US, Canada, Brazil, and Mexico. Oversaw funding and liquidity; capital markets, balance sheet and capital, investments, M&A, hedging, transaction structuring, and governance. Built ties with institutional clients, rating agencies, equity / debt investors, banks, business partnerships, regulators, external auditors, and vendors. Managed early warning indicators, FX, deposit / borrowing limits, collateral optimization, and assets / liabilities. Optimized RWA and GAAP balance sheets; short and medium term plans, dividends and investments, regulatory capital, leverage, intra-group large exposures, ALM and FTP. Built top-performance teams via recruiting, training, and mentoring. Regulatory Relationships: Served as liaison for America’s treasury with FRB, SEC, FINRA, FDIC, OCC, UK PRA, Bank of England, and New York State Department of Financial Services, plus Dodd Frank capital and liquidity workstream owner. Transaction & Legal Vehicle Structuring: Optimized funding, tax, leverage and regulatory capital for existing business lines and structured products; cross border financing activities; risk-weighted asset and balance sheet optimization strategies. Board Memberships: Barclays Capital Inc.; Barclays Group US (President); Barclays Capital Real Estate Holdings; Barclays Capital Commodities Inc.; Barclays Investments Holdings Inc. (Private Equity) Committee Roles: Barclays Global ALCO, Americas Management Committee; US ALCO (Chair)

100+ Staff (NY, London, Tokyo, Hong Kong, Australia) - US $1.2T Global Balance Sheet Across Bank & Broker-Dealer Legal Entities Directed Global Treasury, with teams on multiple continents in multi-currency treasury operations, liquidity management, capital planning, investor and banking relationships, FX and IRE hedging, short / long-term funding, capital markets activities, transfer pricing, stress testing, and cash management. Implemented first Contingency Funding Plan for broker-dealer. Generated US $50M annual savings with finance reporting and collateral management improvements. Launched first Treasury Center of Excellence. Driving Business: US $112M Structured Note Savings vs. Citigroup Benchmarks; Operational Efficiency: 25% Cash Management Team Relocation for US $5M Savings Client Solutions: Delivered and led rating agency presentations, key investor meetings, bank relations, and business partnership activities; managed regulator relations (FRB, FDIC, OCC, SEC, FINRA), audit, and external vendor negotiations. Innovation & Change Leadership: Identified assets for divestiture, coordinating Legacy Asset Steering Committee; realized US $110B US GAAP Asset balance sheet reduction; led “One Treasury” integration realigning CM&B Treasury function. Board Memberships: Citi SwapCo, Inc.; Citi Capital Small Business Finance, Inc. Committee Roles: Citigroup Treasury Operating Committee; ICG ALCO (Chair); ICG Global Risk Committee; ICG Global Finance Operating Committee; ICG Continuity of Business Committee

150+ staff - Product Control, Financial Reporting, Tax, Treasury, Cash Management, Planning & Analysis, A/P, Payroll - US $875MM Budget Directed NCL finance for NikkoCiti JV, with full investment / commercial banking product suite and US $60B+ balance sheet. Led accounting team, FP&A, US / JGAAP financial statements preparation, business reviews, monthly / quarterly forecasting & close processes, regulatory reporting, internal controls, tax, treasury, product control, A/P, procurement, capital planning & budgeting for EXCO, Board, shareholders. Launched first Finance-wide mentoring, internship program and employee engagement committee. 5-Year Strategic Plan (Operations, Technology, Finance, Risk Management); Board & Committee Leadership: Board Member, Nikko Citigroup Limited; NCL Executive Committee; CMB Global Finance Operating Committee; Audit Working Group; Business Risk Control Committee; ALCO; Risk Committee Dual Roles: Asia Corporate Treasurer / Deputy CFO