The thing you notice about Tracey Weber right away is her ability to localize the universal, to express her job shepherding a vast multichannel mobile banking strategy in a series of simple, enthusiastic anecdotes.

"Here's a personal example," she said over the phone in early May. "You get a message that you need to do something, a credit card bill is due in a few days or the mortgage payment is due. But rather than hoping you remember that later when you get back to your desk or your computer, on a mobile app you can take care of that right away," says Weber, managing director of consumer and Internet mobile banking in North America at Citigroup and one of the driving forces behind a series of smartphone and tablet applications that have garnered high ratings from users.

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