Bhagat Sabharwal

Bhagat Sabharwal is a seasoned professional with extensive experience in risk management, currently serving as Managing Director of Enterprise Fraud Risk Management at Citi since September 2008. In this role, Bhagat is responsible for the strategy, policy, oversight, and quality assurance of fraud risk across North America. Bhagat's career at Citi includes prior positions as Director and Senior Vice President, focusing on risk planning, analysis, and consumer finance asset management. Prior to Citi, Bhagat was part of the Risk Management Leadership Program at GE Capital, where Bhagat completed rotations in various risk management functions, and also held an internship in credit risk. Bhagat's earlier experience includes leading commercial real estate projects as Senior Project Manager at Precision Mechanical Inc. Bhagat holds an MBA in Finance and Corporate Accounting from the University of Rochester, a certificate in Real Estate Finance and Investments from New York University, and a Bachelor of Science in Mechanical Engineering from the New York Institute of Technology.