Heather Cox has been the Chief Client Experience, Digital and Marketing Officer for Global Consumer Banking at Citi since April 2014. Ms. Cox is responsible for developing and implementing the vision, strategy and execution of a common client experience, driving global customer satisfaction efforts and leading Digital, Marketing and Decision Management across Global Consumer Banking. Prior to joining Citi, Ms. Cox served as the Head of Card Operations at Capital One Financial Corporation, where she developed, led and delivered a comprehensive customer experience strategy, leveraging digital innovations and customer data insights to help position it for further growth, customer engagement, and operating efficiency. Prior to Capital One, Ms. Cox served as the Head of North America Operations at E*TRADE. Ms. Cox was honored as Banking Technology News’ “Digital Banker of the Year” in 2015, one of American Banker's "Women to Watch" in 2011 and 2013, and was recognized by Washington Business Journal's "Women Who Mean Business" in 2013.