‘We are becoming a far more important part of Citi as we surpass our targets year after year,’ Heddle reports of the ‘tremendous growth’ the private banking arm has seen this year across the EMEA region, as well as locally. UK head of UHNW and part of the UK & CI management team, Heddle says that Citi’s private banking platform is unique in being one of a select few in the industry ‘solely committed’ to UHNWs, with a black book of global citizens, entrepreneurs, financially sophisticated clients, professionally run family offices and their mix of advisers. He credits ‘increased wallet share and deepening client relationships’ for the private bank’s ‘tremendous’ growth globally and ‘record quarter’ in 2018’s Q1. ‘In practice, very few rivals have such a seamless client-centric model,’ he enthuses. He owes the bank’s success to its three pillars: its focus on UHNWs, a stable and largely client-facing team and its ‘connectivity’ across Citi’s platforms worldwide: ‘Our bankers work on behalf of the client rather than their own P&L.’ Heddle, who started his career as a graduate at Barclays, has been pleasantly surprised to find out that the private wealth sphere, which he thought would be ‘mathematical and daunting’, was as much about understanding people as financial technicalities. He moved to HSBC’s UHNW desk where he was head of res/ non-dom clients for a decade, before joining Citi in 2010.