Always be networking, suggests Marianne Bachynski.

Marianne Bachynski “Men are so good at this, and often we as women are so busy trying to deal with the work at hand that we don’t make the time to engage. But you must always treat your career as a project. Ask yourself if you are in a promotable position, and if not, determine what you have to do to get there.”

The reason is simple, she says. “My father always reminded me that you are the only person who knows your entire history and can best tell your story. Make it known what you’re good at, what you have achieved and what you want to do. Build a personal brand.” For example, she found that people would make assumptions about what roles she might like as a working mom. It’s up to you to dispel inaccurate assumptions and voice your interests, particularity to new managers.

Finding Her Niche in Technology

As Bachynski explains, she “grew up at Morgan Stanley” where she spent 25 years from the start of her career. Always focused on technology, she began as an application developer, supporting many different businesses on the sell side and then pivoted to the buy side. The technology on the investment management side wasn’t nearly as mature as the sell side, so she found it to be an ideal opportunity to spur growth and innovation.

When she was moved to support investment management, she found they had so much capacity to evolve, making it akin to a startup embedded in the bigger firm. She built it out, front to back, creating a team from zero to 700. Since some of them came from acquisitions along the way, she learned about integrating companies both technically and culturally. “We had to design a Brady Bunch-style blended culture that could work well together because we couldn’t execute or communicate effectively if we didn’t have a common way of working,” Bachynski explains.

She eventually moved to Citibank, providing technology solutions to external clients for whom they covered investment management, private equity and hedge funds. She reveled in the fact that it was such a global company, with clients in 160 countries. She then became COO of North America Wholesale Banking at Rabobank, which specialized in food, farming and agriculture. She then spent a year at a fintech company, FIS, which supports banks of all sizes with banking and payments and brokerage technology. She enjoyed her role creating products that serve multiple clients and being more directly tied to revenue.  But when Marianne was offered the lead role in a multiyear transformation program working for the CEO of the #1 most innovative InsureTech firm, she couldn’t resist.

Bachynski helps transform companies to become more agile. She recognizes the importance of speed, which in many ways is replacing size and scale as the key metric.

More Gains To Be Made

Bachynski finds it sobering how little has changed for women in technology from when she began. For instance, her daughter, who is 25 and went to MIT, works at Instagram as a data scientist, and she is still many times the only woman in the room.

“Women need to come together and support each other and have meaningful dialogue,” Bachynski says, adding that she has had few tech peers who were women.

She advises women to take the advice she heard early on from one of the few senior women she worked with. “Don’t ever apologize. If you must leave early, just walk out the door.” In other words, take control of defining the critical parameters for your work-life balance.

Bachynski is a big believer in mentor programs, where you are assigned to someone more senior outside of your purview. Mentorships are an opportunity to gain a different perspective and a chance to glean valuable insights on what really goes on in senior management. “It’s so enlightening to create a line of sight to the big picture,” she says.

Her routine has always included one hour a day all to herself, which she typically devotes to working out. In the past she has run marathons, which she found helped build both physical and emotional stamina for the work roller coaster you often ride on; and the discipline allows you to think calmly and look to the long term.

Even when her work was calling, Bachynski made the effort to be home at a decent hour every night to spend time with her children and held sacred time each year to take a trip. “We intentionally chose to travel internationally, because it allows you to experience and learn about so many ways to live your life, and it’s invigorating to step out of our element and focus on each other. Vacations are critical to reenergize.”

Susan LightWhen Sue Light reflects on advice given to her over the years she acknowledges that sometimes it doesn’t become pertinent until you’ve been in the workforce long enough to see its value.

That’s why she recommends newer professionals focus on approaching a job with the goal of helping solve problems and offering solutions. She also stresses the importance of taking care of yourself. “I am happy to see this is becoming a bigger trend among younger professionals. It’s not weak to take a moment every now and then to focus on your physical and mental health. It’s imperative. If you are not taking care of yourself, you won’t be able to show up and take care of others. Plain and simple.”

Finding the Perfect Intersection of Experiences

While Ms. Light had originally planned to get her PhD in psychology, she changed course as grad school loomed and ended up attending law school at Boston University. She began her legal career as a prosecutor in the Bronx District Attorney’s Office in New York, where she tried to verdict more than 50 felony cases and supervised the investigations and prosecutions of violent crimes. She spent seven years in what she describes as an “important and dynamic job,” learning every aspect of practicing law and simultaneously building strong ties with her colleagues.

She also earned her Master of Law at New York University School of Law in the evenings, focusing on securities and criminal law. Ms. Light was able to combine the specialties into a position that she says was “custom-made for her” at the New York Stock Exchange (NYSE) as a trial attorney. Over the years she ascended the ranks and became a senior vice president in the NYSE’s enforcement division.

During her time there, the National Association of Securities Dealers (NASD), a self-regulatory organization of the securities industry, merged with NYSE’s regulation and formed the Financial Industry Regulatory Authority (FINRA). Ms. Light stayed on in a similar position for an additional 11 years, helping run the enforcement division as senior vice president and chief counsel.

As a leader at FINRA and the NYSE, Ms. Light managed as many as 60 attorneys and investigators and negotiated dozens of global settlements with the Securities and Exchange Commission (SEC), U.S. Attorneys’ Offices, Municipal Securities Rulemaking Board, state regulators and the Financial Crimes Enforcement Network, which is a bureau of the U.S. Department of the Treasury. Additionally, she partnered with foreign regulators on investigations into cross-national Ponzi schemes, with the Internal Revenue Service on investigations of improper tax dividends, with the Depository Trust & Clearing Corporation on investigations of penny stock fraud and market manipulation and with the Commodity Futures Trading Commission on managed futures alternative investments investigations.

While she enjoyed her regulatory experience, last year she decided she wanted to experience private practice and joined Katten as a partner in its Financial Markets and Funds group.

“It’s been a great match, the people are terrific,” Ms. Light said. “Katten has a strong financial services department, and I brought my institutional knowledge of SEC and FINRA rules and regulations to enhance that area.” Clients appreciate the value she brings, given her extensive experience and insight in addressing complex legal and regulatory issues. Joining Katten has also presented the opportunity for Ms. Light to handle cryptocurrency and cybersecurity matters, building on her FINRA experience in those areas.

At Katten, Ms. Light provides clients with a regulator’s perspective and deep insights into the rules. Her time is divided between giving advice on rule interpretations and practices, conducting internal investigations and representing broker/dealers in SEC and FINRA proceedings. “I try to help my clients better understand what the regulator is required to consider and how that may impact their matter,” said Ms. Light. “I think this approach gives them a greater level of insight and confidence when working with FINRA or the SEC.”

And that is one of the professional achievements she is most proud of—being able to connect her many roles, leveraging her experience to provide value to her clients. In addition, she finds a lot of satisfaction in the opportunities she has had through her senior executive leadership roles to mentor and guide so many people whom she has been proud to see have been promoted and succeed.

Building Important Bridges

While she appreciates the level of trust she has established with the regulatory agencies, Ms. Light likewise values the trust she has developed with colleagues. “You need someone at work who will give you a reality check and advice,” she says. Since she is relatively new at Katten, she has been proactively calling women partners to get to know them.

Ms. Light says she has been very fortunate over her career as the men who may have been dismissive of her achievements as a woman were few and far between. “I never missed out on any opportunities by being a woman; if I didn’t get a promotion, it wasn’t because I was a woman,” she notes. And similarly, she says she has been fortunate to work with many role models who helped paved the way.

Currently she appreciates the focus that Katten puts on diversity and inclusion, and has become a member of the firm’s Women’s Leadership Forum, which supports the growth of women attorneys through various initiatives, programs and events. “The firm is very attuned to internal diversity but also recognizes a diverse workforce results in more innovative solutions to the legal and business challenges faced by our clients,” she says.

Ms. Light is proud to be part of a family of lawyers; she met her husband in the Bronx District Attorney’s Office and he just retired as an adjunct law professor. Her son is currently a market surveillance manager at the NYSE while attending law school at night, and her daughter works in project management and is applying to law school. The family remains close—having weekly lunches, getting together on the weekends when they can and traveling together.

Her daughter recently found a book of poems Ms. Light’s parents had given her. One that particularly resonated as she read it with hindsight was called “Don’t Ever” by Laine Parsons, which reads in part, “Don’t ever forget that you can achieve so many of the things you can imagine. It’s not as hard as it seems. Don’t ever stop loving don’t ever stop believing, don’t ever stop dreaming your dreams. “It’s great advice for any professional, and a good reminder of what we need to figure out as we go along our paths,” says Ms. Light.

“The secret to work-life harmony is not balance so much as navigating what’s most important at any given time,” Ms. Light says. “Sometimes that’s the case you’re working on and sometimes that’s your child’s birthday. It is possible to be fantastic at both roles.”

Mindy Mercaldo“You can do anything,” Mindy Mercaldo reminds women.

“There are so many possibilities to seize opportunities, rather than waiting for them to come to you,” she says, encouraging women to be open about what they want to achieve and finding advocates to help with those aspirations.

“You have to put your voice in the room,” she adds. “Sometimes women hedge, but your opinions matter and people need to hear them.”

Climbing the Ranks as a Lifelong Banker

Mercaldo began her career in retail banking as a Customer Service Representative while in college. She loved helping people with their banking needs and after graduating she entered a branch banking management program and started her career with Meridian Bank in her native Philadelphia. Throughout her career, it’s been the mix of meaningful experiences with customers and her teams that has fueled her inspiration.

In her 30-year career, she’s been through three bank mergers and four acquisitions; been a small business banking leader, retail banking director and division manager. She also spent eight years in retail bank sales and strategy. Currently based in Chicago, Mercaldo was promoted this summer to oversee Citibank’s entire US branch network. It’s an honor to assist in the retail bank’s transformation and to lead such a dynamic team, she says.

Mercaldo finds that developing her team motivates and inspires her, and reminds her of those who invested in her along the way.

A breast cancer survivor, Mercaldo took time off when she was diagnosed and was gratified to have someone who could easily step into her shoes. “When you invest in people, it helps them as individuals and also elevates the entire team,” she says, citing one of the transformational lessons she learned from the book Boys in the Boat, the true story about nine-working class rowers from Depression-era Washington state who overcame steep odds to win gold at the 1936 Olympics in Berlin.

“I really believe in the idea of surrounding yourself with great people,” she says, adding that it’s a rewarding experience on both a personal and professional level to be part of their development and success. “I am so proud when someone I’ve worked with reaches a major career goal or milestone; it makes me think about a small part I might have played in their advancement and those moments when I was able to be part of their journey.”

That has helped reinforce the importance of partnership and collaboration with others, and led her to realize that it’s not just working hard that gets you to the next job. “There are so many interdependencies in our work, because we all touch the customer in some way and have to work comprehensively,” Mercaldo says. “I learned along the way that bringing others into the conversation creates a better work environment and outcomes,” she says, noting that Citi’s culture encourages teamwork that enables economic growth and progress.

Currently she is excited about the work the bank is doing to help meet customer banking needs in the future and how the organization is responding by transforming to help make their lives better.

“Client needs are complex; despite the growth of digital capabilities, they still want trusted, personalized advice from their banker and often turn to a human to help them make critical decisions,” she says adding that the concept of marrying those two components is exciting. “The secret of change is to focus all your energy on building the new rather than fighting the old,” she says, quoting the author Dan Millman.

Mentoring as a Way Of Life

In addition to the work she does with her team, Mercaldo has been an active mentor in Citi’s Chicago Women’s Network. She also serves on the steering committee for the Asian Heritage Network, a group that helps promote a culture of diversity and inclusion within Citi. “As a leader, it’s important to be involved in these affinity networks and broaden our sense of inclusion,” she says. She has also found Citi’s Leadership Development programs to be a rewarding experience focused on creating environments for women to grow their leadership experiences. “Women mentor and care about the advancement of other women; we have a culture of supporting other women in their career goals and objectives,” she says.

When it comes to family, Mercaldo shares that her 14-year-old daughter is an expert at evaluating customer service after growing up listening to her stories. When she’s not at the ice rink with her husband cheering on their daughter, Mercaldo and her family also love to travel, cook and enjoy water sports.

Mariana MartinezSponsorship has always played an important role in Mariana Martinez’s career.

“I have been guided and helped by other professionals who might have pushed me to my limits, but that just allowed me to expand those limits,” she says. “It’s hard to imagine a professional career without sponsorship, so I look forward to paying it back during this second part of my career through being an active sponsor myself.”

She also reminds women that there are multiple ways they can be successful in their careers and encourages them to keep going and experimenting to find what works for them.

Finding The Thread In Multiple Career Paths

Dr. Martinez has always found that to be the right way to approach her next professional endeavor. With a varied career path ranging from preschool teacher to psychologist to wealth advisor, one might not immediately see a tie. But for Dr. Martinez, the thread linking these various efforts is clear—they are all tied to being adept at understanding human behavior and how we think and make decisions, whether she’s working with a student, a parent or a client.

“Through working with people in all different circumstances, I definitely discovered the commonalities in realizing what binds us together and what makes us tick.”

This ability to focus on human behavior also points to the professional achievement she is most proud of—leading others to achieve their goals. At various times it has been students, other teachers or a family, and the goals might have been helping a marriage stay together after an affair or finding common ground among previously estranged siblings who were able to come together to help aging parents.

She sees her work with Wells Fargo’s Private Bank as a culmination of all her other experiences as she serves families and helps them navigate their relationships so they can achieve the goal of preserving not only their wealth but also their family unity.

Dr. Martinez finds her work to be particularly fascinating when she is on the cutting edge of incorporating non-traditional financial elements. “I get to help clients think through the options of their decisions beyond finances to consider the impact of these decisions on the family.”

Appreciating the Benefits as a Career Path for Women

Martinez has found that being a Family Dynamics consultant is deeply satisfying not only as a professional, but also as a woman. “I appreciate the firm’s focus on achievement, and the importance of our contribution.”

In addition she says that the profession allows her to incorporate other roles she has as a woman in a balanced way. “I don’t have to deny that I have a family or other responsibilities because the environment I’m currently in favors the ability to mix them successfully.”

In fact, she says that her role is particularly conducive to experiencing support. “I can speak about what’s going on in my life without being perceived as unprofessional and don’t have a fear of being judged. I believe that we are more successful when we can integrate multiple aspects of our lives holistically and not feel we have to hide certain parts to be respected as a professional.”

Martinez puts effort into maintaining connections with her family of origin back in Mexico, and while it requires an infusion of time and resources, it is a clear goal to go back as much as she can. In addition she adds that she works to be mindful about taking time for herself to read, pray and relax. “I find that I am rewarded when I am purposeful with my time.”

Ana Duarte McCarthy“I have plenty of runway left myself, but it is always still exciting to see how we can pass the baton,” says Ana Duarte McCarthy of her position helping inspire the next class of future leaders.
Finding a New Purpose

Throughout her career, Duarte McCarthy has focused on diversity and inclusion, most recently serving as a managing director and chief diversity officer for Citi. When she left in 2016, it was a good time to take stock of where her next opportunity could come from. First, she notes, she practiced the self-care we all deserve and took a couple months to travel, remained active on the board of the NJ Somerset County YMCA, and even purged closets and tackled all those small tasks that help us retain control over our personal life.

Then September rolled around, and that “back to school” feeling inspired her to figure out what was next. “I realized I felt untethered without a daily set of goals and objectives, and I missed having the opportunity to make a difference.”

A friend approached her about an opportunity to join Forté, which had been a long-time Citi partner and had a mission that appealed to her with its laser focus on increasing women in business leadership. Her other diversity work had covered a variety of communities, such as veterans, LGBQT+ and other cultural groups—all important. However, women had always been an aspect of these groups, and this gave her a chance to focus more deeply on women’s issues. That was a mission that was especially important to her, since as the mother of a daughter, she had a deep interest in assuring that her daughter had opportunities that had previously been obstacles.

Duarte McCarthy began in a fundraising role and has now moved into the position of director of development for corporate partners, where she works to identify companies that have a commitment to advancing women and express the values of diversity and inclusion. Often these forward-thinking companies are recruiting undergrads or MBA students and want to amplify their brand as a top recruiter for diversity. Having been a diversity lead for so many years, Duarte McCarthy has a special skill in talking with them about their pain points and how Forté can support them in their missions.

A Focus on Latinas

Assisting all women is important, but as a Latina herself of Dominican descent, Duarte McCarthy has a special heart for helping other Latinas. “I meet many women after conferences who might not have people in their immediate circles who can be a mentor so I try to reach out,” she says. And she believes it’s critical to break misperceptions about Hispanic women. “There’s a lot of bundling of Hispanic women together, but we cut across race and ethnicity, and there are also multiple diverse issues around socioeconomic scale and whether someone is a first- or fourth-generation student. It’s an interesting mosaic, and I believe I can support and advance the next generation of Latina women.”

One of the Forté programs she is particularly proud of is the Forté Forum, which enables women to explore the value of an MBA. They can hear from women currently enrolled in business schools and women who have completed their degrees, as well as get tips on completing the admissions process. Duarte McCarthy was particularly delighted when her 23-year-old daughter, a business analyst, came to one of the presentations to consider her future. “She’s always been supportive of me as a working mom, and it’s exciting to see her next chapter.”

More Work to Be Done

As Duarte McCarthy surveys the landscape, she points to an aspect of complacency and fatigue, as many like her have been pursuing the mantle of diversity and inclusion for so long, starting back when it was generally under the portfolio of affirmative action and/or equal employment opportunities.

Significant advances have been made, of course. For example, Forté was launched in 2001, on the heels of research on the value of an MBA for women, which comprised 25%-28% of the enrolled class, a number that has bumped up to 38% today. She is excited by this increase in women pursuing MBAs, as well as the varied career paths they choose to pursue, such as positions in supply chain management and investment banking as they truly take advantage of the breadth of careers available.

While that is heartening, she notes that there is more to be done; notably, that the pay gap persists. “This cultural aspect to pay people equitably needs a lot of attention,” Duarte McCarthy says. In addition, she says that while the drumbeat around MeToo has given people a voice, it’s unfortunate that is such a prevailing narrative in the workplace. “We have made so many strides, but our work is more important than ever.

“We have to keep up the energy because there’s still a lot of work to do,” she says. “We all have an opportunity to make a difference around D&I; it’s not for someone else—none of us can just be a bystander. We can all make a difference with how we lead and support our colleagues and those coming up the ranks.”

Shana Ramirez“What makes you a good attorney is learning from your mistakes—almost that trial by fire aspect that lets you constantly grow,” says Katten’s Shana Ramirez.

Ramirez began her career in the finance area of law in New York after graduating from University of Michigan Law School. She moved to Los Angeles and worked with two firms before joining Katten as a partner in the commercial finance practice in 2018. Her experience covers a variety of financings and arrangements, including acquisition finance, leveraged finance, subordinated debt facilities, asset-based credit facilities, subscription facilities, investment grade credit facilities, transactions involving real estate and first lien/second lien transactions. Since joining Katten, she has established strong client relationships as she continues to build her practice, which she names among her most important achievements.

In addition to her work in the leveraged loan space, currently Ramirez’s work includes developing bespoke financial arrangements for private investment funds, which she has found to be challenging and interesting; as she says, it’s rewarding to work on something new in a world where most of the strategies have been done before. Specifically, she has seen exciting new trends and innovative solutions for creating leverage for private investment funds. “It will be interesting to see how private investment funds continue to find unique ways to leverage their portfolios,” she says.

Finding Balance as She Enters a New Chapter

As Ramirez points out, women often try to be the best at all their varied roles—mom, wife, caregiver or employee—and it can be hard to balance all that at any one time, given the competing demands. As she is due with her first child in early September, she has seen a lot of women go through this new life stage and knows how challenging it can be. “It takes effort to balance our desire to want to excel in all areas, including our personal lives.”

She encourages younger women to stay the course—even when it can be harder to see the path forward—especially if working in male-dominated industries. While it can be demanding and you might often feel pushed to your limits, she has found the pay-off is worth it if you stick with it rather than veering onto another path.

And she reminds women who have succeeded as attorneys to always be supportive of one another, the same way that they are the best advocates they can be for clients. She particularly appreciates when other young moms offer advice, and she is able to build a community around that commonality.

That’s why Ramirez encourages younger attorneys to foster relationships with other female attorneys and keep them strong. “You never know when your paths will cross again,” she says. “I would not be where I am without the relationships I have built,” she says, encouraging fellow attorneys to stay in touch even after they’ve left a particular firm or are no longer working together.

A Focus on Diversity and Inclusion Extends Outside Her Work Day

Ramirez is an active participant in Katten’s Women’s Leadership Forum, a women-focused group that hosts events designed to support female attorneys in their career development. “It’s a relatively smaller group, so it’s easy to get to know people better in this type of setting; as a new partner I felt very welcome,” she says, adding that they have been extremely supportive regarding her pregnancy and upcoming maternity leave.

As a diverse attorney, Ramirez has a strong history of pro bono service in Southern California, ranging from assisting domestic violence victims with U visa applications to helping families with adoption petitions. She has always felt a philanthropic tie and prioritizes giving back as a board member for Public Counsel, the largest pro bono firm in the country. Based in Los Angeles, the firm tackles issues of homelessness, adoption, consumer fraud, immigration matters and more working with its pro bono partners including Katten. “It’s important for me as a minority female partner to look out for others and the issues that are important to them.”

Sylvia Guinan“Our time is now,” says Sylvia Guinan, financial advisor with Wells Fargo Advisors, in encouraging women to consider a career in the financial services industry.

It is incredibly rewarding to help individuals feel a sense of clarity, confidence and control over their investments and more importantly their future. “Years ago, the industry might have been all about stocks and performance, and while that’s still important, now everything is much more holistic. Client’s dreams, goals and fears are what drive the investment process. Women are skilled at connecting and getting people to talk about what is most meaningful to them, as well as what their fears and concerns are, which makes them excellent financial advisors,” she says.

While the number one cause of chronic stress among adults is finances, she finds that the truth is that when you dig deeper, most people are not concerned just about what they’re investing in, but how their finances can work for them by supporting them and their future plans.

A Focus on Providing Solace During Divorce

Guinan began her career at Smith Barney in New York, focusing on this type of holistic investment planning, which has always been the core of her business. She moved to Wells Fargo Advisors in 2009, where she was able to continue that commitment to ensuring each of her clients has a solid plan driving their investment decisions. “I feel fortunate that I’ve always loved what I do, and what creates that satisfaction is my long-term, meaningful connection with the clients; you almost become family because you’re one of the first phone calls when something exciting happens or when they have a need.”

Over the past several years, Guinan has created a niche practice, with nearly 70 percent of her clients being women in transition – divorce, widowhood or financial changes. She has earned her designation as a Certified Divorce Financial Analyst (CDFA®) and has built a strong rapport with divorce attorneys, mediators, accountants, psychologists and therapists. Most recently, she has teamed up with a prominent attorney in New London, CT, for what they call “Second Saturday” events, where they deliver a presentation aimed at giving advice to these clients as they begin to explore the beginning process of their transition, and have received an excellent response.

“I’ve always wanted to make a difference, and here I am able to work with women going through the most difficult times of their lives and give them hope and a new perspective as they move forward. We aim to offer them clarity around their proposed settlements, confidence by showing them where they stand by illustrating it in their investment plan and a sense of control as they start to rewrite their new chapter.”

Her confidence in exploring this area comes from lessons she has learned over the years including that if you are authentic, you will attract clients with whom you connect. Previously, she had assumed you had to emulate what a man might be like – more subdued. However, as Guinan has transitioned to being her ‘real self,’ she discovered that she is attracting clients with whom she find a good fit.

She advises younger professionals to connect with clients who are aligned with their process and to be selective when onboarding new clients. “I still have a great majority of clients with whom I started my practice, and my assistant and I have noticed that our success has come from working with like-minded clients, where it becomes reciprocal and they want to welcome you inter their inner circle by referring their family and friends. But it’s important to spend time upfront having the ‘fit’ meeting since you can’t be all things to all people,” Guinan says. Not only is the new prospective client interviewing you, you are also interviewing them to see if they are a good fit.

Finding Balance in Circles of Support

One important support system she has found through Wells Fargo Advisors is the annual Women’s Summit that gathers advisors from around the country for collaboration and vision sharing. She went the first year she joined the firm and hasn’t missed one since.

Sylvia obtained the firm’s DELTA designation, which is a high-end practice management coaching program that Wells Fargo offers their advisors. Upon completing the 19 modules with firm trained coaches, Sylvia became fully implemented and attends their annual meeting. She is also in a DELTA peer group she and seven other advisors started to support each other and share best practices. Sylvia said DELTA is by far the best training she has ever received.

Additionally she feels revived being with her three children. Living across the street from the beach, they enjoy being near the water and reveling in the beauty of the sunsets.

The family also enjoys traveling and have been to Puerto Rico, St. Martin, St. Thomas and Cuba, among other locations. She has a tradition when each of her kids turns 15 in which they do a one-on-one trip; so far, she has been to the Bahamas with her son and Bali with one daughter.

She also faithfully practices yoga, which she calls “meditation in motion,” allowing her to clear her head and ‘fill her cup’ so she can be more present when she is with clients, family and friends. “It trains you to release distractions and go with the flow, which helps me be more observant,” Guinan says, adding that she particularly appreciates the practice of ending every session with “Namaste,” which means “the light in me honors the light in you.”

“It’s a beautiful message that I hope I am able to convey in all my relationships, especially in this day and age,” she says.

Investment and Insurance Products: NOT FDIC Insured / NO Bank Guarantee / MAY Lose Value

Rebecca Macieira-Kaufmann

“Be more of you.”

That’s the one piece of advice that Rebecca Macieira-Kaufmann would share above all others that she’s come across during her career. So many people try to fit into a box of what they think they need to be, she adds, but if you are true to yourself, trust your intuition, and work hard – all of the pieces will fall into place. Being yourself will give you the confidence to discover worthwhile career opportunities that will lead you to the role you were destined for, she says. “I wish I’d taken this advice myself seven to 10 years earlier. That confidence will carry you through to find the best place to be – and it’s probably in a role that you didn’t even know you could handle.”

An International Flair

Macieira-Kaufmann spent the early part of her career abroad, working in France, Finland, Hong Kong and England. As a management consultant in London she spent most of her time traveling on multinational accounts due to her language skills and international experience. After three years in London, she returned home to her native San Francisco and began working in credit card product management at First Deposit, which became Providian Financial.

From there, Macieira-Kaufmann moved to Wells Fargo to run marketing for the insurance division. Her roles expanded over time and she ended up running all of Wells Fargo’s small business segment, overseeing two million customers. This success led to an offer from Citi to become president of Citibank’s retail banking unit in California, where she combined the northern and southern region into one.

Today, 11 years into her tenure at Citi, Macieira-Kaufmann is once again in a role with international elements as the head of Citibank’s IPB U.S. group. In this role she manages the wealth needs of international clients who are based abroad and want to bank in the U.S. An enjoyable position, she is building a high-performance team and focused on nurturing talent that will succeed by working cohesively.

The common thread throughout her career has been her ability to transform divisions and companies and bring them to scale. Currently she is pursuing that same vision by helping make life easier for clients with Citibank’s growing digital capabilities; for example helping large corporations that are moving executives around the world, yet want to pay employees in dollars. “We are making it simpler and safer for our clients to bank as they desire.”

A Diverse Pipeline

Macieira-Kaufmann feels fortunate that throughout her career she has been a part of teams that are focused on people development. “It’s vital to have that supportive person who helps clear your path, and maybe even pushes you to a role you’re not sure you’re ready for,” she says, adding that women will often hesitate to jump in if they aren’t confident that they already know a role inside and out.

“You have to have a bias for action, and go for it,” she says. “Surround yourself with yaysayers, not naysayers, because they will help you go for it.” While she knows that it can be hard for executives to find the time to support and mentor women, she says it’s important to find the time.

She is particularly proud of Citi’s Women’s Diversity Initiative, within Citi’s U.S. Retail Bank and Mortgage group, which supports greater gender diversity in order to improve Citi’s teams and communities, while exploring new ways to empower women at all levels. “We want to provide more visibility into the pipeline and help women build their networks,” Macieira-Kaufmann says.

Citi’s Women’s Diversity Initiative aims to provide women within Citi more opportunities to advance their careers, while arming them with useful tools to help them achieve their goals. She adds that women may not be aware that there is an opportunity if they aren’t looking for a specific role. “We must get information out so that candidates feel like they have been tapped on the shoulder,” Macieira-Kaufmann muses. “We have to open up transparency in the recruiting pipeline to make sure that people aren’t being screened out inadvertently.”

Macieira-Kaufmann herself has been the beneficiary of a number of women’s groups, both inside and outside of the workplace. She has particularly found value in being part of the Financial Women of San Francisco, as well as a cross-industry group called the International Women’s Forum, where she’s been able to interact across industries with everyone from female pilots to authors.

A devotee of the arts, Macieira-Kaufmann plays the piano and participates in a dance class when she’s home. She also serves on the Board of Governors for the San Francisco Symphony. Although she travels extensively for business, she also enjoys personal travel and spending time with her family, including a son who is 22 and a daughter, age 20.

“I have many outlets, and that’s what allows me to be my personal best,” she says. “Every day may not be perfectly balanced, but all in all, I have a whole life.”

Adrienne Rubin “Don’t think too hard about your next career step; try whatever is your fancy and give it a go. That’s how you will find success in both your personal and professional life,” says Adrienne Rubin.

In fact, the first page of her soon-to-be-released book Diamonds and Scoundrels: My Life in the Jewelry Business is a poem with the first line, “Somebody said that it couldn’t be done.” But it can, Rubin says. “Whatever you want to do, make it happen. You have it within you.”

From Teaching to Business Building

Rubin started as a French teacher in the ‘60s and ‘70s; even though she had thought about law school, most women in that era didn’t tackle that sort of career—instead, if women worked at all, it was mostly either teaching or stenography as the breadth of careers available.

After Rubin’s second child was born, she became a substitute teacher, but quickly found that they weren’t respected, unlike her attorney husband, which caused frustration. She turned her attention to volunteer work, but she soon learned that volunteer work also wasn’t for her. On vacation she was offered the opportunity to be an importer of silver jewelry, and she jumped at the chance finding that business offered both money and respect.

However, Rubin soon found that silver wasn’t the top seller she had expected….instead, gold was the trend, and women were even buying it for themselves. She pivoted to gold and soon added rubies, sapphires and other gems to her line. “I learned on the road, taking my merchandise to jewelry stores, where I would listen to their advice about what they needed from suppliers and manufacturers.” After more research, Rubin became a supplier for charms, charm holders and chains, and expanded her marketing by attending industry conferences where she connected to gift stores, which became a large part of her selling success.

“What drove me wasn’t a passion for jewelry itself, but for helping other people make money; I found that if I had the right product and could sell it to the retailer for the right price, they would prosper as well,” Rubin said.  For that reason she traveled extensively to find new products each and every season.

One of her biggest challenges was to avoid being taken advantage of as a businesswomen, and in hindsight, she realizes she wasn’t always strict enough in whom she sold to, which meant she often wasn’t paid. In fact, that’s the impetus behind the “scoundrels” reference in her book’s title. For example, one of her early clients was a gambler who took diamonds on loan and gambled them away. It required determination to get out of that situation—and others she encountered along the way—but she was able to do so with ingenuity.

Of course, trends change, and Rubin soon found herself working against a wide variety of factors. First of all, today’s younger generation isn’t as interested in jewelry, as they have turned to other priorities. “When it comes down to getting a new computer or a gold bracelet, they are apt to turn to the prospect of a new tech gadget,” she points out. In addition, gold prices have skyrocketed, necessitating a large amount of capital, and there is fierce competition from the internet. For this and other reasons, her attention now has turned to real estate, often refurbishing properties, which is her current way to stay in the business game.

Advice for Women, No Matter What the Business

“Be your own boss if you can,” Rubin recommends, and take equal care with those you hire and those you sell to. “It’s vital to vet both parties,” she says. “In any business you will run across unethical people, so you have to be business-minded to make sure they aren’t taking advantage of you or using poor judgement that could reflect on your own success.”

And to really go full steam ahead, don’t be afraid to make bold decisions, such as borrowing money as needed to get your business to the next level.

Finally, she recommends realizing that you need to find balance to be content. “Business can become a 24/7 proposition if you let it, particularly at the beginning when you want to be successful and get your career on the ground.” But that can lead to neglecting other parts of your life unless you pay attention and vow to keep things balanced. Rubin, for example, focused on making sure to have uninterrupted family time on an annual vacation to balance her other travel.

Today she is an active volunteer with Cedars Sinai Hospital and the Arthritis Foundation. In addition, she became an avid cyclist and for many years has participated in the “California Coast Classic,” biking from San Francisco to Los Angeles. While she initially wasn’t a bike rider per se, she equates acquiring the skill to learning many aspects of business. “You have to commit to learning in order to succeed.”

Neddy PerezWhile mentors are important, Neddy Perez also encourages women to seek sponsors.

“Mentors are great sounding boards and coaches on developmental areas; however when it comes to organizational advancement, the majority of research points to the need for women to have a sponsor. In particular, having a male sponsor accelerates the advancement of women, especially because they still hold the majority of executive level positions in corporations,” she says.

There are other factors that women need to take into consideration in managing their careers. “It is important to also think about any special assignments or projects you take on and ask, ‘where is this project leading me?’ Look for projects that are stretch assignments and that give you exposure to rising leaders or leaders who are well respected for their management capabilities.”

Pivoting to Find Her Passion

Perez started her journey as a public relations and communications professional. One of her early positions was working for UPS; at the time they were undergoing a work stoppage in Mexico and the vice president of HR decided to send her “because I spoke Spanish and people trusted me,” she says. In preparation, he covered some HR basics so she could report back properly, which was her introduction to the field.

Once she arrived she realized there had been a breakdown in policies, with the company banning religious artifacts in the environment, and the workers upset as it was an important religious holiday. She was able to satisfactorily broker a solution that allowed for religious accommodations, her boss started including her in more HR-related work and within a year she went back to school to pursue a master’s degree in international business and HR.

She was recruited by Shell Oil in Texas, where she initially supported its existing diversity function, and then ended up becoming manager of D&I for two of their businesses. She became known for her prowess in negotiating and improving difficult D&I issues, and subsequently worked with many large companies, such as Ingersoll Rand, KPMG and Sodexho. She has also done consultancy work with corporations that needed to reset their D&I strategies as a result of mergers and acquisitions or class action lawsuits and has coached companies starting new programs. She has also worked with many new Chief Diversity Officers entering the space for the first time who needed support on establishing a strategy or department.

Ultimately Perez left consulting to set up the diversity talent acquisition initiatives at TIAA, and today serves at McCormick & Company as global head of D&I. With facilities in 50 locations in 26 countries, they have a vision to double the organization, which she finds to be an exciting challenge at the forefront of finding the right diverse talent to support significant growth and creating a corporate culture that builds off existing core values but also can adapt to the changing trends of the marketplace.

Standing for STEM

In addition to a passion for D&I, Perez is focused on trying to advance STEM talent in the workplace. She first became involved while at Shell where they donated computers to communities around the world through an initiative that was ultimately recognized by the United Nations. She is also a founding member and thought leader for STEMConnector.org which has blossomed to become a stand-alone organization that connects corporations, nonprofits and colleges and universities with STEM talent.

“Getting more women into STEM and leadership is all about building pipelines for the future. We have so many jobs becoming available, but not enough of the right kind of talent to fulfill them,” she says.

And building pipelines is crucial. “One of the reasons women don’t advance more quickly is because they are not in operational roles where there is an opportunity to show a more direct impact on the business and generating revenue,” she says, adding that she might have pursued a degree in finance and accounting had she known the importance of being able to make a financial impact.

“Women are still socialized to put their heads down and work hard with the hope that someone will recognize your success. The reality is you have to become your own best advocate. As long as you feel comfortable with 70% of requirements of a job then go for it,” Perez says. “No one is ever 100% ready for their next job; we just have to get comfortable with asking for what we want and going for it.”

Perez has worked in five countries and is passionate about traveling so she has visited more 30 cities in the U.S. and around the globe. She loves photography and is passionate about mentoring the next generation of diversity leaders and women globally. In her time off, she is actively involved in serving on a number of boards for nonprofit organizations.