With a proven track record as an inspiring and forward-thinking leader, she guides her teams to create client-centric products and features that serve their financial needs in unique and innovative ways. At Citi, Pam leads the end-to-end management of the U.S. Cards business, including proprietary products such as Citi Double Cash, the newly launched Custom Cash and cobrand cards with marquee partners including Costco and American Airlines.  She is also responsible for Citi’s Thank You Rewards platform, innovative lending solutions, including Citi Flex Pay and Flex Loan, and the overall credit card customer experience.

Before joining Citi in July 2020, Pam was the Head of Consumer Branch Banking and Wealth Management at Chase where she was responsible for 48,000 employees and all sales and service across Chase's 5,000 branches, achieving record customer satisfaction results.  Prior to that role, Pam was President of Branded Cards for Chase Card Services with responsibility for the Chase Sapphire, Freedom, Slate and Ink card portfolios. She helped Chase achieve market leadership and her launch of three new card products drove millions of new accounts, with Sapphire Reserve earning numerous high-profile accolades.
Before joining JPMorgan Chase in 2014, Pam spent the majority of her career at American Express in a variety of strategy, marketing and general management positions across the consumer and business-to-business segments. She also spent several years at start-up companies, including DoubleClick, a company focused on digital marketing solutions, and LinkShare, an affiliate marketing network, after beginning her career at Bain & Company. Pam holds an MBA from Harvard Business School and a BA in Mathematics and Social Science from Dartmouth College. She has been recognized by American Banker as one of the Most Influential Women in Payments and by Crain’s as one of its Notable Women on Wall Street and featured with a broad range of media outlets such as CNBC, Bloomberg, The Cut, Working Mother and The Street TV.


Pam Habner
CEO of US Branded Cards and Lending