Jie Hua is to MD&GM; Head of Corporate Treasury Department, Americas Division (CTDAD) and CUSO Treasurer/Co-Treasurer for SMBC Group in the Americas. Jie is primarily responsible for Corporate Treasury to establish and enhance AD’s ALM, liquidity management, and capital management capabilities. Prior to joining SMBC, Jie worked in Citigroup Corporate Treasury, building out its global Funds Transfer Pricing system and led its implementationinNorthAmerica,EMEAandAPAC. Beforethat,Jieled Comprehensive Capital Analysis and Review (CCAR) and Current Expected Credit Losses (CECL) teams at Royal Bank of Canada (RBC), and the related engagement with the Federal Reserve Board. Prior to RBC, she held various senior roles in Treasury Liquidity, FTP and ALM, Balance Sheet Optimization, and Financial Planning &Analysis at Citigroup, Deutsche Bank, and Merrill Lynch. Jie has a Bachelor of Science degree in Mathematics from University of Chicago and a Master degree of Business Administration in finance from University of Chicago.

Michael is Executive Vice President and Treasurer at Citizens Financial Group, Inc. Michael manages the risks inherent in balance sheet positions and off-balance-sheet commitments that are created by Citizens’ core business activities. With more than 20 years of Treasury and market risk experience, he oversees the Treasury teams that manage liquidity and interest rate risk (IRR); CBNA’s investment and hedging portfolios; and ensures capital adequacy for both planned and stressed environments. Consistent with these risk management disciplines Treasury also formulates Funds Transfer Pricing (FTP) and Economic Capital (EC) methodologies to support business-specific, risk-based pricing and returns. In addition, Treasury is a primary contributor and facilitator of key governance and leadership forums, including the Asset-Liability Committee (ALCO), the Deposit Strategy Committee (DSC) and the Balance Sheet Optimization Steering Committee (BSO). Michael joined the bank in September 2017 and is a member of the Citizens Executive Leadership Group, for the company’s top 130 executives who drive the direction of Citizens Bank. Prior to being named Treasurer he was Deputy Treasurer and Director of the ALM team within Treasury and Balance Sheet Strategies responsible for the management of CFG's interest rate risk position, Debt Capital Markets, FTP methodologies, investment portfolio management & hedging of MSR and IRR risks. He was also responsible for PPNR model development with a focus on prepayment and deposit models. Before joining Citizens Michael was Managing Director, Treasury Market Risk for GE Capital from 2011 to 2017. This role assumed responsibility for interest rate and foreign exchange risk for over $300B of assets over 7 diverse business units. This included oversight of both of GE Capital’s banking platforms, which would eventually become Synchrony Financial and Marcus by Goldman Sachs. Prior to GE Capital, Michael was Head of Balance Sheet Modeling at Union Bank, responsible for the measurement and modeling of interest rate risk and the development of hedge and portfolio strategies. He is a CFA charter holder, FRM charter holder, and he holds an MBA with a concentration in Finance from Villanova University and a BA with a concentration in Finance from the University of Delaware. Michael enjoys snowboarding and collecting vinyl records and lives in Wilton, CT with his wife of 23 years and two daughters, ages 16 and 13.