Denika Torres is the head of market management for Citi’s North America Commercial Card Business. Torres leads deal strategy, market positioning, and financial management initiatives for a business with $30bn in payment flows per year. Previously, she worked at the World Bank in Washington, D.C. Torres received a BA in international relations from the Kennedy Center, an MIA in international finance from Columbia University (SIPA), and an MPP in economic policy from the National University of Singapore. She resides in New York City with her husband, Middoni, and their three children: David, Kate, and Mark.

Middoni Ramos is a senior associate in the Infrastructure and Energy Group at HSBC Securities. Ramos has experience in M&A and debt advisory, structured financing, and project financing across a broad range of sectors, including infrastructure, oil and gas, power and renewables, and transport. He received a BS in manufacturing engineering from BYU and an MS in global energy and sustainability management from Columbia University. While at BYU, Ramos participated in the Model UN program, receiving several top awards.

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