Terry O’Neil is the Head of Connected Commerce and Strategic Growth for Citi Retail Services. In this role, Terry expands and redefines Citi’s suite of point-of-sale financing capabilities to drive growth for Citi and its partners.

This includes the expansion of Retail Services’ embedded payment capabilities with the launch of the Citi Pay family of products, to boost loyalty and engagement with merchant partners’ customers.

He also leads the Strategic Fintech Partnerships team for U.S. Personal Banking, operating across Citi to identify, design, and onboard relationships with leading Fintech partners creating innovation and transformational solutions across payments, lending, and digital banking.

Prior to his current role, Terry was the Chief Marketing Officer for Retail Services, and he led Co-Brand Products, Strategic Marketing, and Analytics for the division. Terry’s previous roles also include Head of Proprietary Products for U.S. Branded Cards at Citi.