Pam Habner

Head of U.S. Consumer Cards Citigroup

Last Reviewed: October 1, 2026

Executive Summary

Pam Habner has led Citigroup’s U.S. Consumer Cards business since November 2025; from 2026 it is a separate reporting segment combining the remaining U.S. Personal Banking businesses. She joined Citi in 2020 after senior consumer roles at JPMorgan Chase, where she ran the branded credit card portfolio and later its network of about 5,000 branches. Citigroup ranked No. 24 on the 2026 Fortune 500.

Career Highlights

• Head of U.S. Consumer Cards at Citigroup since November 2025.
• Joined Citi in 2020.
• Head of Consumer Branch Banking and Wealth Management at JPMorgan Chase.
• President of Branded Cards for Chase Card Services.

Professional Journey

Habner was President of Branded Cards for Chase Card Services, responsible for the Sapphire, Freedom, Slate and Ink portfolios, and then Head of Consumer Branch Banking and Wealth Management at JPMorgan Chase.

She joined Citi in 2020 and became Head of U.S. Consumer Cards in November 2025.

Education

No first-party source read for this profile states her education.