Elsa E. Ramirez is a visionary financial operations executive with over 20 years of experience in launching innovative operational strategies. Currently serving as the Head of Account Services Operations at Citi since 2023, Elsa previously held roles including SVP, Head of Deposit Operations at Citi Bank, and Head of Consumer Lending Operations at USAA. With a strong focus on business process improvement and team leadership, Elsa has driven significant cost savings and operational efficiencies throughout their career. Elsa is also pursuing a Bachelor of Science in Management at Western International University, maintaining a 4.0 GPA.
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