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We offer a range of strategies to help your cash work as hard as possible, while maintaining liquidity and flexibility.

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Cash is a key element within your overall wealth strategy.

In addition to helping to diversify your core portfolio, cash provides flexibility to make investments and pursue opportunities.

We believe your cash should work as hard as possible while also being accessible when you need it.

We offer a wide range of banking products and services tailored to your personal needs.

The strategies we create can help you maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow.

If you have banking needs in other regions of the world, we can also provide you with banking products there, as well as dedicated service from a local private banking team.


In addition to personal banking, we also provide treasury management services to help your business achieve greater operating control, increase efficiency, reduce costs, minimize risks, and monitor activities in real-time.

We help individuals and families manage their cash flow and short- to medium-term liquidity needs.

Murtuza Rasiwala
Americas Head of Banking, Custody, Escrow and MSBF
How we serve you
Making your cash work harder
Enhancing liquidity can play an important role in your overall wealth management strategy.

We can offer tailored short- and medium-term solutions for your wealth in a broad range of currencies.

These include cash and checking accounts, time deposits and certificates of deposit, and money-market solutions.

Addressing your precise needs
We work with you to gain an understanding of your family’s current and future requirements for liquidity.

We can then recommend an appropriate strategy using a suitable mix of solutions.

In addition to yield-enhancement strategies, we offer solutions for day-to-day transacting, conducting transactions in foreign countries, and credit.

Our balance-sheet strength
Citi Private Bank is part of one of the most well-capitalized financial institutions in the world.

Citi provides banking services to approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions.

Please review a summary of our organization’s recent key financial information.

Meet our people

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Murtuza Rasiwala caricature
Murtuza Rasiwala
Head of Banking, Custody, Escrow & MSBF

Murtuza leads a team of banking, custody, escrow and margin and securities backed lending professionals, who work with clients in North America and Latin America to address their financing, liquidity, safeguarding, portfolio administration, and risk mitigation needs.

Murtuza has over 15 years of private banking and margin lending experience. Previously, he was the Global Head of Margin and Securities Backed Lending at Citi Private Bank. Earlier in his career, he was a member of the Private Bank Investment Finance team for nine years, based in Asia. 

Murtuza holds an MBA in finance and the Chartered Financial Analyst and Financial Risk Manager designations.

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Michael Zinkowski caricature
Michael Zinkowski
Head of Banking & Treasury Management Sales and Advisory
North America

Michael leads a team of sales professionals across the Americas who consult with ultra high net worth and high net worth individuals, as well as key business segments, including private equity, real estate, law firms, family offices and sports, to understand their liquidity and treasury management needs and deliver appropriate solutions.

Michael joined Citi in 2002 and has over 16 years of banking and treasury management experience working with corporate, commercial and middle market companies.

Prior to joining Citi Private Bank in 2007, Michael was an Assistant Vice President in the Commercial Business Group at Citi, as a part of the treasury management sales division. Earlier in his career, Michael worked in Citi’s Treasury and Trade Solutions business as an Implementation Manager.

Michael holds a Bachelor’s degree in Finance and a minor in Economics from the University of Delaware and a Master of Business Administration from Baruch’s Zicklin School of Business. He earned his Certified Treasury Professional credentials in 2008 and is a member of the Association for Financial Professionals (AFP).

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Vikram Sinha caricature
Vikram Sinha
Head of Banking & Treasury Management Sales
Latin America

Vikram leads a team providing deposit and treasury management strategies to clients across Latin America. Vikram served previously as Investment Finance team head in South Asia, responsible for a range of solutions, including margin lending, liquidity, structured solutions and unsecured lending for clients across Asia Pacific.

Previously, Vikram worked for National Bank of Kuwait in various business development, strategy and finance roles. He started his career with Ernst and Young in India as a Chartered Accountant and later worked at KPMG in management assurance services, covering the Middle East.

Vikram holds a bachelor’s degree from the University of Calcutta. He holds the Financial Risk Manger (FRM), Certified Fraud Examiner (CFE), Certified Information Systems Auditor (CISA), and Certified Internal Auditor (CIA) certifications.

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Biagio Pascarella caricature
Biagio Pascarella
Head of Liquidity Solutions Sales
North America

Biagio leads a team of specialists who develop and provide strategies and solutions to address our clients’ cash and deposit needs

Biagio joined Citi Private Bank in 2016 as Chief Financial of Officer for North America. In this role, he developed and drove execution of the regional business strategy and managed financials, including budgeting and forecasting, reporting, analysis, and system implementations.

Previously, Biagio spent over a decade at Barclays and Lehman Brothers, where he held various finance roles supporting their wealth management business.

Biagio holds a bachelor’s degree in business administration and business management information systems from Seton Hall University.

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Samba Nandakumar caricature
Sambamoorthy Nandakumar
Head of Cash and Custody Solutions
Europe, Middle East & Africa

Based in London, Samba leads our cash and custody solution teams in the region, helping clients to make use of their short-term liquidity and ensuring the safekeeping of their investments.

He is also the Global Chief Administrative Officer for Cash and Liquidity Solutions. Previously, he served as Chief Financial Officer for Citi Private Bank in EMEA and as Technology Director for Citi’s International Personal Bank.

Samba qualified as a Chartered Accountant and a Cost & Management Accountant.

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Nandagopal Nair caricature
Nandagopal Nair
Head of Banking Solutions and Margin Lending
Asia Pacific

Nandu has overall responsibility for meeting clients’ banking and margin lending needs across Asia Pacific.

Since joining Citi in 1994, he has served in the Corporate, Consumer and Private Banks.

He brings 25 years of industry experience to clients, including roles in trading, sales, treasury and wealth advisory.

Nandu has a bachelor’s and an MBA from the Indian Institute of Management.

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