Andreea Pantchev, Governor Andreea Pantchev currently serves as head of Firmwide CECL at Citi. In this capacity, she manages the firmwide reserving process and leads transformation initiatives as well. Previously, she served as head of Wholesale Allowance, as part of the Credit Risk organization at JPMorgan Chase. In that role, she led the coordination and governance of the allowance estimates for the Bank, as well as represented the Bank in front of auditors and regulators. She brought significant contributions to the Allowance and Stress Testing processes from a forecasting, analytics and methodology standpoint, leveraging her credit risk expertise. She successfully spearheaded a number of complex new initiatives inclusive of the CECL and IFRS implementations. While at JP Morgan, she also spent 10 years in JPM’s Investment Bank Credit Portfolio Group, in the Credit Risk Organization, in a number of Credit Research and Portfolio Management roles focused on de-risking strategies. She graduated from MIT in 2004 with a degree in Economics and is a Chartered Financial Analyst (CFA) holder.