Bachelor’s degree, Tufts University; MBA, Harvard Business School. Began career at American Express Company, including: 1982-85, Assistant to the President; then became a key member of the team that defined the strategy for Commercial Credit Company when the consumer lending company was spun off from Control Data Corporation; served as Chief Financial Officer and then President. 1990-98, President and Chief Operating Officer, Travelers; concurrently, Chief Operating Officer, its Smith Barney subsidiary; 1996, Chief Executive Officer, Smith Barney; then Co-Chairman and Co-Chief Executive of the combined brokerage following the 1997 merger of Smith Barney and Salomon Brothers. 1998, President, Citigroup, the global financial services company formed by the combination of Travelers Group and Citicorp. 2000, joined Bank One as Chairman and Chief Executive Officer. With JPMorgan Chase & Co.: 2004, President and Chief Operating Officer upon the company’s merger with Bank One Corporation; since 2006, Chief Executive Officer, and since 2007, Chairman of the Board. Member of the board of directors of a number of non-profit institutions, including Clearing House and Harvard Business School. Member of the Executive Committee: Business Council; Business Roundtable; Partnership for New York City. Member: Financial Services Forum; Financial Services Roundtable; Council on Foreign Relations.