Voice of Experience: Christine del Rosario, Partner, PricewaterhouseCoopers

christine del rosario“Early on in your career, try to think about your aspirations and long-term goals and share them with the people who can help you realize them,” says Christine del Rosario, a partner with PricewaterhouseCoopers. While your colleagues will notice you’re giving it your all and might have a sense what you’re working toward, you have to be clear with them as to your goals, so they can help you build the skills to have the experiences you need to pursue opportunities. “If something is on your list, people who support you will tend to help you get to where you want to be.”

Career Path

Del Rosario joined the Orange County office of PwC in 1998 after graduating from UCLA and spent nine years in the assurance practice specializing in the industrial products sector. In her first coaching meeting, she recalls, she mentioned to her coach she wanted to do an international tour at some future stage in her career, and that aspiration was always revisited in their discussions from that point forward. Her plans materialized in 2007 when she moved to London for a three year assignment, and also had the opportunity to work in Tokyo during that time. Through this experience she was exposed to the financial services sector and decided to switch her specialization to financial services when she repatriated in 2010.

Over the years, del Rosario has seen that superiors give opportunities to people they like and in whom they see potential, and they will invest time in developing those individuals. She suggests for women to continue to find ways to connect with leaders in their organizations, both men and women alike. “It’s not so much about networking, but about developing relationships that are genuine because of the emotional investment you have made with those people, which creates a special bond that, almost always, stays with you forever.”

Del Rosario says she was fortunate to develop deep relationships with senior managers and partners early in her career, and she found those individuals looked after her, providing counsel and feedback. “Navigate your way to increase your visibility and likeability factor so you’re top of mind when opportunities arise,” she advises.

One program at PwC she feels has contributed to her success is “Breakthrough Leadership,” where high-potential senior managers who have been identified as future leaders gather for a two-day conference. They build skills, such as how to solicit candid feedback, and are connected with leaders who will help open doors and act as sponsors as they make the journey into the next stage of their careers. “It’s important that we make sure we have these opportunities to develop women, and support them as they progress towards getting admitted into the partnership,” she says. A key contributor is the ability to get exposure and network with leaders and other peers.

Exciting Times and Giving Back

Without hesitation she says that being admitted to the partnership is the achievement she’s most proud of. “Leading up to it you get such tremendous support and the partners truly make you feel they have your back, so when you get admitted it’s like being welcomed to this special family,” she says.

Currently, del Rosario is working closely with some new clients on the audit side. “New engagements with new teams are always a great opportunity to learn together and establish new processes, which is quite powerful when you realize you helped shape what people will continue to build upon for years to come,” she says. “These types of highly collaborative projects are very exciting to me.”

In addition to working on these new clients, del Rosario enjoys being constantly challenged and working to help clients understand how PwC’s five identified megatrends (demographic and social change, shift in economic power, rapid urbanization, climate change and resource scarcity, and technological breakthroughs) will shape the global and economic landscape, many of which may disrupt her clients’ businesses.

Del Rosario has always had an interest in developing others, which carries over into her philanthropy. She serves as an officer of the board of Ascend, a non-profit that focuses on diversity and inclusion and development of Pan-Asian leaders in the business community. Since having been involved in Ascend, “I have had the opportunity to help mentor a lot of wonderful and highly-engaged and motivated individuals as they work their way through their careers, and all of them inspire me to continue to try to make a difference each and every day,” she says.

A Travelling Family

Del Rosario appreciates the privilege she had of travelling around Europe when she and her husband were living in London and now she delights in taking her son places they went as a couple to rediscover them as a family. Before her son turned five, he had traveled over 100,000 miles, with each journey catalogued in a special travel book a friend created when he was born.

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Voice of Experience: Wendy Yun, Managing Director, Goldman Sachs

Wendy YunEvery experience offers learning opportunities and skills that can be applicable in the future, believes Goldman Sachs’ Wendy Yun. “Maximize every opportunity,” she says. “If you’re involved in meetings or invited to work on special projects, it’s always important to be prepared, think ahead about potential issues or action steps, have confidence to express your ideas or concerns and in general, find ways to add value.”

Building a Successful Career from Past Experiences

Yun began her career as a private practice attorney focusing on securitizations and structured products. She joined Goldman Sachs in 2006 and now oversees a team of lawyers and negotiators who cover derivatives and other products globally on behalf of the firm’s Investment Management Division.

While one of her proudest professional achievements is her promotion to managing director in 2012, she says she is equally proud of her role in helping members of her team develop their own voice and identity as professionals.

Reflecting on her career, Yun has realized the importance of being open to new challenges and of maximizing new opportunities. As a junior lawyer, she hoped to specialize in collateralized loan obligations and other securitized products, but was often assigned other types of deals and transactions as well. “Initially, I thought these projects were a distraction from my primary focus,” she says. “But over time I realized that having the opportunity to work on a variety of assignments helped me become a better lawyer by diversifying my skill set and expanding my outlook.”

And, she adds, learning opportunities that shape your perspective may come from jobs or experiences that might not be related to your current career path. “I tell junior lawyers that having a range of experiences, including waitressing in high school or working as a legal assistant before law school, helped me develop interpersonal and other skills that I rely on today in my current role,” Yun noted. “I learned early on that you must be adept at multi-tasking and prioritizing competing requests while simultaneously being sensitive to your clients’ specific needs and preferences and managing different personalities.”

That mindset will serve professionals well throughout their careers, which often take twists and turns they don’t envision, Yun says. In her current role, Yun spends an increasing amount of time analyzing and implementing new regulations that apply to derivatives and other products utilized by her businesses. While the work deviates from the transactions and trading agreements that her team negotiates, she finds it fascinating to observe the process of how new regulations are developed through her involvement with industry trade associations and meetings with regulators.

She also finds it important to maintain a global perspective on understanding how rules from multiple jurisdictions might differ. “As we support global businesses, we constantly have to be aware of how various regulations could affect our transactions with other multi-national organizations and our clients worldwide.”

Opportunities for Women

Yun has seen increased opportunities for women in the financial sector and is active in helping others build their skills. She believes that fostering women’s ambition can start at an early age and currently mentors a high school junior who is preparing for college through the Student Sponsor Partners program. She also serves on the Women’s Leadership Council of her alma mater Trinity College in Hartford, Conn., to help prepare female graduates to enter the workforce.

In addition, Yun mentors junior people at the firm and encourages them to develop their professional identity as thought leaders. “At Goldman Sachs we have a culture that encourages teamwork, but women also need to find their own voice and develop leadership skills.”

Yun finds that some women, even at senior levels, may be more risk adverse than male counterparts in taking positions, sharing views or asking questions. Over time and based on the responsibilities that Yun has been given in the course of her career, she has developed a greater willingness to express her perspectives among leaders in the business, with colleagues in her department and others in the industry. She also recognizes the importance that mentors have had in helping her to develop this greater confidence. “I would encourage women to seek advice and feedback from peers or mentors and not hesitate to ask questions and share thoughts,” she urges. “Take advantage of the support network you have through mentors, sponsors and colleagues.”

Use Travel to Develop a Global Understanding

An avid traveler, Yun encourages everyone to get out of their comfort zone and travel to develop a global perspective of the world. She cites her studies in Moscow as an experience that instilled in her a new outlook at a relatively young age. “Entering a culture where people did not have access to basic goods fundamentally changed my outlook and priorities,” she says. “Travel positively alters your view of not only global issues, but also your perspective of your own life.”

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Voice of Experience: Jennifer Tsahalis, Managing Director, Head of Planning, Execution & Operations, TIAA Digital

jennifer tsahalis featuredAs a woman in a male-dominated industry, I’ve made sure that my male counterparts know what I bring to the table to ensure I have a seat with them,” says TIAA’s Jenn Tsahalis. Although tech and finance are both male-dominated fields, Tsahalis shares that she hasn’t felt gender discrimination, always assuming positive intent.

Over the years if she was excluded from a meeting or important conversation, for example, she didn’t automatically assume it was because she’s a woman, but because the team wasn’t yet aware of her strengths, talents or ability to add value.

While Tsahalis has worked in financial services technology for many years, she initially attended the University of Vermont where she majored in Electrical Engineering, a path chosen because the school didn’t offer courses in architecture, her intended career of choice at that point.

During the course of interviewing for her first job after college, Tsahalis was particularly intrigued with Andersen Consulting, now Accenture, where she says “it was less about the bits and bytes and more about how you think and how you get work done.” She moved to Boston to work for them, which she says set her career path on its current trajectory. “Accenture taught me many essential skills. Their focus on the thought process and their encouragement to never stop learning has stuck with me.”

Building a Legacy of Success

During the tech bubble days in 2000, Tsahalis had a short stint at Razorfish, before deciding to pursue her next role as a tech lead at Fidelity Investments in the Health & Welfare Benefits Outsourcing division. It was there, while working Fidelity’s NetBenefits product that she says she found her niche and moved into technical project management. In her eventual role as Technology Delivery Manager Tsahalis ran some of the largest and most complex systems in the history of the firm, developing a reputation for bringing highly complex systems and highly matrixed teams together to deliver results.

Following her success at Fidelity, Tsahalis was offered an opportunity to join Merrill Lynch, helping to build the company’s digital presence. In her role as Director of Program Delivery for Online Channels, she led the design, development and delivery of the 3- year program to launch MyMerrill.com and Merrill Edge.com before moving the eventual ongoing day-to-day program delivery of the firm’s client facing (online, mobile, IVR and call center desktop) channels.

It was during this post-launch period that Jenn helped create a process that transitioned this launch of a brand new platform into a steady state development machine and is a period about which she is particularly proud. For Tsahalis, the satisfaction came from overcoming people and process resistance and developing a delivery methodology that made projects run both smoothly and transparently. “I’m one of those people who loves process,” she says. “It was gratifying to develop a process that would make someone’s job easier, in order to give them more time in the day to focus on being creative and innovative.”

In July 2015, Tsahalis joined TIAA as the Chief Operating Officer for the TIAA Digital organization – a group that spans both business and technology and is at the heart of TIAA’s quest to become a true digital company. Different from her technical program delivery past experience, she says working in a business operations role provides unending learning opportunities and challenges, all of which are immensely fulfilling and provide the same opportunity to establish right-sized processes and to grow professionally.

“It is fascinating to work on the business side of the TIAA Digital organization, developing strategic operational plans and delivering essential metrics,” she says. “Automating and improving both the customer experience and our back office operations is imperative to success, because in reality, every company must now become a technology company,” she says. “And this is absolutely true of a firm like TIAA.”

Investing in Each Other

Whether working on technical projects or driving business operations, Tsahalis has found one constant theme. “It’s important for women to support each other, regardless of their career stage,” says Tsahalis. “The workplace can be competitive and this sometimes can cause women to face off against each other. After experiencing some of this in the past, I’ve made it a focus to bond with my female peers and to invest in their teams and their goals, which helps to keep the competitive vibe at bay and better serves us in the long run.”

At TIAA, she has made it a point to join relevant groups including the company’s Women’s Employee Resource Group and the IT Women’s Council, where she recently participated in a panel discussion for International Women’s Day. “The panelists were fantastic – very transparent and candid. We really helped some of these younger women think about how they can manage their career and still have a good life balance,” she says. “I learned so much from the panelists myself – women really can do amazing things and I was inspired by my peers.”

Inspiring the Next Generation of Women

While Tsahalis says she didn’t understand the need to join women’s networking groups earlier in her career, she believes they can be of huge benefit to women because these groups offer an easy way to meet people, build your brand, contribute to a community and potentially even to find a mentor. She also encourages women to look to men as mentors to take advantage of the different perspective they can offer.

Tsahalis advises young women to have a vision for where they want to go and to reach out and build the relationships to get there. That’s an important topic for her as the mom of two daughters: Lily, age 11, and 18-month-old Violet. With a husband who’s also in IT, they focus on helping their daughters understand that they can aspire to any career.

“We spend a lot of time really encouraging them because we see the logical way their minds work to process information. Lily has become a very rational person as she applies logic and the principles of science to every decision – helping her to cut through the drama that can be associated with 6th grade girls.”

Tsahalis says that when she was growing up, she wasn’t aware of all the career options that were available and only landed in Electrical Engineering by accident. She is happy that girls now have so much opportunity presented to them through a wide variety of programs in their schools and communities.

In addition to taking advantage of women’s groups or other networking programs that may be available at school or work, Tsahalis also encourages all women to speak up for themselves and not to overthink their decisions. It is her experience that many women limit themselves just by not speaking up or trying something new. She believes that working hard, being confident in one’s skills, networking and supporting one’s peers are all keys to a successful career.

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Voice of Experience, Hila Goldenberg, Head of Ultra – High Net Worth Clients in Israel, UBS Wealth Management

Hila GoldenbergBy Cathie Ericson

“Ask for more,” advises UBS’ Hila Goldenberg. “Women often expect to be promoted or be included on a high-profile project, but are too shy to speak up and ask for what they want. It won’t just happen; they need to ask for professional development and define their career goals, then express these plans to their superiors as they strive for more.”

Throughout her career, Goldenberg has seen the benefits of being open about a desire for increased responsibility. She began her career at a law firm in Israel and then went to work as an assistant to the General Director for the Israel Antitrust Authority, a unique experience that allowed her to meet a wide variety of business, parliamentary and government leaders.

Realizing she had an interest and aptitude in business, she went back to school and earned her MBA at INSEAD in Fontainebleau and Singapore, ranked as the best global MBA program in the world. After graduating, she joined Citi Private Bank in London as part of the team that covered Israel, later moving back to Israel when they opened an office there. She stayed there until 2014 when she was invited to UBS to form and lead its ultra-high net worth team in Israel.

Helping Her Clients Make a Difference

This decision to join UBS to start a new venture and create a new coverage team is a professional achievement of which she is particularly proud. In her role, she is able to help wealthy individuals with a full array of services far beyond asset management, everything from philanthropic endeavors and impact investments to next generation wealth transfer and art selection. “We are partners in their endeavors and work with them to help develop the legacy they want to leave, such as creating a tangible impact on society or helping disadvantaged socioeconomic groups,” she says. “Many have concerns that the next generation must not rely solely on the great wealth they are inheriting. We advise them on best practices for setting personal and professional milestones and provide assistance on structuring their wealth for the generations to come.”

The other part of her role that is meaningful to her is overseeing the Social Impact Bond UBS has launched in Israel to help fight diabetes. The funds will be used to identify and work with high-risk populations on lifestyle changes they can implement to help prevent diabetes, work that she says will make dramatic differences. “Impact investing provides a vehicle that has a social effect and also offers solid financial benefits for investors,” she says. “We have seen much interest from clients in this theme.”

Diversity Creates Success

Goldenberg has been involved in an annual Women in Wealth networking forum at UBS that allows participants to learn about other cultures and best practices. She appreciates that UBS has a focused emphasis on diversity and inclusion and views it as an asset in the organization’s recruiting endeavors. “Whether it’s diversity of gender, culture or even just a different educational expertise, such as arts and sciences, we look to hire people from various backgrounds,” she says, adding that the goal is always to look at the individual to find the best talent.

“We benefit from these different viewpoints because they lead to more quality decision making as we consider perspectives of people who can share a broader variety of input,” she says.

Travel as an Integral Part of Work and Family

With a partner and two boys, ages three and four-and-a half, Goldenberg strives to balance the challenge of a successful, fulfilling career with the needs of her family. Her position requires extensive travel, so while she finds it hard to leave, she is proud to articulate to her family that she loves what she does, even though she misses them.

And they are able to share in adventures with frequent travel as a family, both around Israel and abroad. They take a trip to Asia every year and are currently preparing for a trip to Thailand. “We love discovering different cultures and history and immersing ourselves in the entire experience,” she says.

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Voice of Experience: Wendy Mahmouzian, America’s Head of Corporate Services and Real Estate and Global Head of Hospitality, Goldman Sachs

Wendy MahmouzianThe ability to recognize and support talent and lead diverse teams in a high-performance environment, along with a keen appreciation for people’s individual balance between work and personal lives, have significantly contributed to Wendy Mahmouzian’s career. She has not only found the right work/life balance for herself, but supports this pursuit among the teams she leads.

“You have to understand that we’re all somewhere different on the work/life spectrum, and there’s no one answer to the question on how to achieve balance. It’s up to you to determine what it takes to make you feel comfortable and allow you to bring your best self to work,” she says. “It might be your family, sports, culture or education that allows you to achieve that balance, enabling you to bring 100 percent of yourself to work and perform at your best.”

For Mahmouzian, performing at her best has meant constantly learning new skills and being willing to take on new challenges, all while continuously looking for ways to solve problems and create new opportunities for clients. During her 20-year career at Goldman Sachs, she has spent the latter half with the Corporate Services and Real Estate (CSRE) team, first as global chief of staff and now as head of the team for the Americas and global head of hospitality. She joined the firm in the Global Investment Research division and subsequently co-managed the Securities e-Commerce group. Common themes in all of her positions have been contributing to transformative change and enhancing engagement with clients.

A Diverse Set of Priorities That Range From Crisis Response to Sustainability

One of Mahmouzian’s most significant undertakings was leading the team in 2009 that opened the firm’s world headquarters at 200 West Street, overseeing the startup of operations and multi-month migration of employees to the new building. Ensuring that everyone in the new headquarters could be productive on day one was a significant undertaking.

She remains focused on improving the firm’s workplace strategy to respond to business needs and creating a high-performance environment that enables the flow of business, promotes client engagement, maximizes productivity and reflects the firm’s commitment to sustainability and inclusion. She is currently involved in a number of projects, including refurbishing existing buildings, developing new campuses and ensuring that the firm’s spaces meet the needs of employees, clients and guests.

Reviewing past milestones, Mahmouzian notes the vital role her team plays in supporting the firm during key events, including Superstorm Sandy. During the 2012 storm, she organized the team that managed the firm’s response. “We focused on protecting the firm’s assets, particularly its people, and making sure that the business remained up and running throughout the storm and its aftermath,” says Mahmouzian. “The intersection of planning, communication, managing risk and being nimble enabled the team to ensure the firm’s business continuity and was a hallmark of our response.”

Mahmouzian also helps manage the firm’s environmental and operational impacts through innovative strategies in energy efficiency, investments in green building and initiatives to ensure a sustainable and inclusive supply chain.

Advice Along the Career Ladder

For Mahmouzian, patience and listening were skills she developed over time, but she also notes the importance of individuals’ establishing their own voice and speaking up. “You have to learn how to balance soliciting the opinions of team members with articulating your own view as well,” she says.

She also advises women, especially those early in their careers, not to be deterred by a historically male-dominated field like real estate, but to seek as role models more experienced women who have succeeded professionally in the space. “Your capabilities will make you successful, so don’t be intimidated by a room full of people that look different from you.”

While Mahmouzian also supports hospitality, a typically female-dominated field, she says it’s important for both hospitality and real estate to cast a wide net and seek diverse talent that is accretive to the team and delivers for clients.

“Embrace the strengths of those around you and use them to your advantage – engage, encourage and enable,” she says, adding that as she has become more senior, a big part of her job is supporting high-potential talent and creating a platform for their success.

Helping Evolve Women’s Initiatives

One of the projects that Mahmouzian undertook in the CSRE division was to help formalize the division’s women’s network. A cornerstone of this effort was establishing a signature women’s conference that features speakers and a wide range of professional development initiatives to enhance participants’ skills. Over the years this conference has evolved into a global event via video conferencing. She is also proud that many male colleagues have increased their attendance and advocacy. “It’s gratifying that they are eager to support and sustain broader efforts to advance women in the firm,” she noted.

Work/Family Balance Comes From Being Present in the Moment

For Mahmouzian, balance depends on being present in the moment. “With today’s technology, demands are coming from all different angles, and we need to remember that five minutes of focused attention on a challenge or in a discussion will yield a better outcome than an hour of distracted work. Take the time to listen, interpret and have a clear mind,” she says.

She brings that ethic home to her husband and two daughters, whom she calls her “support network.” Being present in the moment is the best way to ensure we have quality time, she says, adding that they love to ski and value the time they spend together as a family.

Superstorm Sandy offered a situation that allowed her to test the merits of this approach. Her family understood that she needed to continue working throughout the weekend in response to the storm: “They knew that in this crisis, my focus was to protect the firm and our people, and they gave me the freedom to do what I needed to do.” As the crisis subsided, her work team returned the favor, ensuring she could hand over the reins to be with her family. “Being present is the cornerstone of success, whether it’s work or family.”

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Voice of Experience: Denise Landman, CEO, Victoria’s Secret Pink

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Denise LandmanDenise Landman is CEO of Victoria’s Secret Pink, a $2 billion specialty retail brand marketed to college girls. She is carefully crafting a culture of integrity and trust at her organization while finding innovative ways to engage with her target customers.

True North

“I personally have a fiduciary responsibility to create value for my organization and a secure future for my business leaders,” said Landman. “Leadership is a conscious effort. It is a muscle to develop and build, and requires deep introspection. People become leaders when they decide for themselves what and who they will be.”

“For me,” continued Landman, “the best leaders have emerged as being very authentic. Authentic leaders are guided by an inner compass, or true north. Your integrity is what creates a sense of community in the organization that ultimately translates to performance.”

“Building a culture of honesty can only create positive outcomes,” said Landman. “I make mistakes as well. None of us are mistake-proof. It is often that you learn the most through your mistakes. I embrace those mistakes when they occur in my organization.”

How to Market to College Girls

Many people involved in branding want to go straight to product development.

Landman, on the other hand, needed to spend more time thinking about the characteristics of the college girl. “I needed to define her for myself. I would not allow designers to design anything until we had a clear sense of what this eighteen year old girl wants,” said Landman. “Eighteen year old girls are still young and naive, and, in other respects, preparing to be the women they will be in the future. It is a fragile age. I have to go back to what it means to be an eighteen year old, and how to translate this understanding into a product.”

Learning Your Craft

Landman spent the early days of her career perfecting the fundamentals. “It was only when I knew I could be effective with my career choice that I strive for higher levels of responsibility,” said Landman. “I couldn’t have put myself out there if I didn’t have the right stuff. I am a big proponent of honing your craft and knowing what you are talking about.”

Work-Life Integration

Landman adopted two sons (one from Russia and one from Ohio) when she was 50. When asked about work-life integration, Landman said that she and her husband made the decision that he would stay at home and she would continue with her career. “It is such a personal journey, and there is no one blueprint or roadmap to follow,” stressed Landman.“I am learning a lot about how to be the best mom while also being whole and effective in my professional life.It is hard.”

By Hua Wang

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Voice of Experience: Molly McCombe, Managing Director and Chief Marketing Officer, Citi Retail Services

Molly McCombe “If you see an issue impacting the business, jump in, even if it’s a problem you haven’t solved before,” says Citi Retail Services’ Molly McCombe. “Often, women put a higher burden on themselves to have specific content knowledge about an issue and wait to be asked to solve a problem, whereas men just jump in,” she says, adding that her own tendency to stick to safe projects might have limited her at the beginning of her career. “But now I have more confidence and will raise my hand even if I’m not the expert. There’s plenty of truth to the adage, ‘Fake it till you make it.’”

From Strategy to Leadership

After completing her undergraduate degree in finance at the Questrom School of Business at Boston University, McCombe began her career in a commercial credit training program where she was placed in a lending position, climbing the ladder to become a vice president. She began to consider other possibilities in the business world and honed in on management consulting, attracted by its opportunities to solve a variety of challenging business problems. Setting her sights on that career path, she reverse engineered what it would take to get there and realized a top-tier business school was a must.

After earning her M.B.A. from the J.L. Kellogg Graduate School of Management at Northwestern University, she joined McKinsey & Company and became a consultant for financial services firms, a role she found both fascinating and challenging. Eventually she realized that she was ready to move to an operational role, where she could “practice what she was preaching,” and took a strategic role in the credit card group at HSBC, where she held a variety of positions, including leading business development, digital marketing and product development. She joined Citi in 2011 as part of Citi Retail Services, the division responsible for providing credit cards and related services to stores such as The Home Depot, Macy’s, Best Buy and many more. In her CMO role she is responsible for all aspects of joint credit marketing and analytics between Citi and the retailers, from campaign development and management through execution and assessment, as well as leading Citi’s digital marketing, loyalty, and research groups.

One of the achievements she’s most proud of is making the transition from a strategist and advisor to a manager and operator. “It’s been a 180-degree turn. I love both jobs because they’re different and yet they inform one another,” she says. She enjoys the strategic side — working on thorny problems and helping the client see them through — and also appreciates the day-to-day aspects of leading geographically dispersed teams and tackling tactical and operational issues. “I am a better leader and manager because I’ve done both,” McCombe says.

Managing the marketing of credit card programs with leading retailers puts her in a front row seat to what’s new in both the banking and retailing industries, and she is fascinated by the changing ways that people approach shopping.

“Consumers are in the driver’s seat in how they interact with retailers now, because they can leverage so much information to make informed purchases,” she says. No longer is it just about finding product and price information online, but also considering peer reviews about products and sharing experiences.

“At the same time, consumers are increasingly open to building deeper relationships with retailers,” McCombe explains. “Part of the value we bring to retailers is our experience in this area. We’re using our understanding of consumer preferences to drive more relevant offers to our retailer’s customers and enhance market share for our retail partners.”

The Advantage of Being a Women

McCombe says that women can be discouraged when they don’t see as many women farther up the ladder, which will continue to be a deterrent until the payments industry can promote and retain women at multiple levels. “It’s a challenge to say ‘I’m passionate about this industry, and I’m going to jump in,’ when there aren’t many women on the upper rungs,” she says, citing a niece who just graduated from Northwestern University who had remarked on the lack of women in senior roles. But she advocates that young women view it instead as an incredibly relevant place for women since they are the primary decision makers in households on budgeting and how money is spent. “A savvy organization is going to want that experience and input, whether they’re evaluating their product offerings or their payment options. Since I started, there is a much greater appreciation for a woman’s perspective in this business, and the opportunities are endless.”

And as women do rise to leadership positions, she says they should be sure that they are still focused on growing, learning and taking on cross-functional roles to avoid being pigeonholed.

Grow Your Network to Grow Your Career

Along the way McCombe has appreciated the opportunity to mentor and grow other professionals throughout the years, both on the consulting and corporate side. “I have been able to create a strong network around the globe that is both professionally and personally rewarding.”

She encourages women to participate in programs at their workplace for both educational and networking benefits. “These are terrific forums for junior women who want to get to know senior women; it’s a way to demystify and humanize these senior leaders. When you build personal relationships, you find out they’re just like anyone else, and I found that very empowering.”

She finds that these connections often lead to informal mentoring relationships, the type that are grounded in commonality. “It’s so helpful to have an off-the-record sounding board, where you can talk about challenges and get input on how to handle them. Mentorship and connectivity is incredibly powerful and will help retain women,” she says.

A Rewarding Personal Life

Married to a hospitality professional who owns three restaurants, McCombe appreciates that it has gotten her connected to the Chicago dining scene and its farm-to-table movement.

And McCombe remains connected to her undergraduate alma mater — serving on the Dean’s Advisory Board at the Questrom School of Management at Boston University — for a very important reason: She was able to attend Boston University thanks to an academic scholarship, and now is committed to paying it forward by sponsoring a scholarship for undergraduate women studying finance and analytics. “It’s very gratifying to be able to give back to an institution that gave me my start, and to support the next generation of women business leaders,” she says.

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Voice of Experience: Christine Low, Corporate Client Solution Operating Officer, Asia, UBS

Christine Low, UBSBy Cathie Ericson

To succeed in today’s financial industry, you need stamina, says UBS’ Christine Low. “When you first start out, you have plenty of energy, but as you progress and strive for longevity, you find that you constantly have to rebuild yourself — your stamina and your mindset — and stay fit in your body and mind so you can handle the pace and the diversity.”

Based on Low’s success, it’s clear that she has what it takes.

Moving Around – and Up

Originally from Singapore, Low attended college in Australia and started her career in Singapore. Along the way she has also spent time in Hong Kong and Beijing, finding new opportunities along the way.

Low first served as an auditor for PwC Singapore in the financial services group, then began her compliance career at Merrill Lynch before relocating to PwC in Hong Kong to further expand her experience in the regulatory compliance space.She then spent nearly 10 years at UBS where she started to see her career transform in the hot and expanding space working in different locations and functions.She started out with compliance in Hong Kong, relocated to Beijing to be the first Investment Banking Chief Operating Office for UBS’ China Domestic JV before returning to Hong Kong to take on a wider role as the Investment Banking Chief Operating Officer for Asia.She joined a Chinese boutique investment bank in 2013 focusing on the new economy sector, but returned to UBS in 2015 where she is now Corporate Client Solution Operating Officer for Asia, enjoying the challenge of overseeing more than 300 bankers in the region and working to build the business.

Her move from a regulatory role to COO was a big shift, but one that she was able to accomplish because of the many years of experience she’s had in the industry. She has found her integration in the Chinese culture to be a rewarding aspect. “Since China is an up-and-coming economy, just opening its doors in the financial services area, it’s a fascinating and exciting place to be, learning to adapt and gain the trust of my international colleagues.”

Since China has historically been an equities market-driven industry, she says that her newest challenge is switching the mindset of bankers to focus on M&A in today’s rough IPO environment. “Every day is a learning experience as they become more open to M&A.”

Encouraging the Next Generation

Over the years, she has seen the industry transform to be more diverse, with both men and women seeking balance in their work and personal life. “The industry has embraced this and there has been a big change to now offer the flexibility we need,” Low says, a stark contrast to her early years when it was much harder to be a woman in what was then a man’s world. “Many of the barriers have tumbled.”

She encourages young people considering a career in banking to make sure they understand the industry before jumping in. “It used to be that you learned about banking by working in it, but now you can get a good sense of what it’s like before you start with all the information that’s out there,” she says.

When recruiting or counseling younger colleagues, she says a lot of them view the industry as glamourous, but she makes sure they realize that it’s also very hard work with frequent long hours.

“Young people should consider what they’re good at and what they like so they can focus on that,” she says. She points to her current position as COO as a good fit for her style, working with people, yet not in a client-facing role.

Throughout her career she has made sure to be approachable and to offer informal consultations, where younger professionals can discuss their career path and opportunities within the firm. “I like to work with both men and women to discuss how personal life and work intersect,” Low says.

Travel Relaxes and Opens the Mind

Low makes it a priority to travel and see something new and unknown every few months. “You have to take your eyes off work and then you return stronger and more rested to continue your journey.”

She finds that visiting other places opens her mind to how fortunate she is to be working in Hong Kong and the industry. “We have a good life even though we work hard, and traveling shows us that there are other parts of the world where people are much less fortunate.”

As an example, she relays her eye-opening experiences in Cuba over the holidays. “It makes me realize that despite the frustrations we sometimes feel, we are actually far more fortunate than many people.”

In addition to traveling, Low unwinds by cooking, something that she can use as a daily escape to relax and use her senses.

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Voice of Experience: Martha Ruiz, Partner, PwC

Martha Ruiz, PwC For Martha Ruiz, having a family provided an unanticipated career boost. “I learned that it’s ok to say no and become comfortable with what’s best for me,” she says, noting that as her priorities shifted, she experienced an increased confidence. “Family sets a counterbalance with your career, and you become better at knowing what’s important and setting priorities.”

PwC has been the perfect environment for her to grow her successful career, joining the firm’s general tax practice directly out of college. She soon migrated to the entertainment and media group in Los Angeles, where she provides tax compliance and advisory services to a variety of entertainment clients throughout Southern California.

It’s a vibrant field, given the new ways that consumers are consuming content that change long-held industry paradigms. Broadcasting has evolved to become tailored to a more fragmented audience, a shift that will continue as video on demand and streaming technologies continue to grow. “The industry will continue to mold its business around these changes and it’s to the benefit of the consumer,” she says.

An Oscar-Worthy Performance

This specialization in the entertainment field is what provided her the honor of becoming the Oscars® balloting co-leader in 2015, overseeing the team and balloting process that takes place during nominations and the finals. As such, Ruiz was only one of two partners who knew that Spotlight would be named Best Picture.

“It’s a unique spot to realize that you know the final winner before the rest of the world,” she marvels.

But even the golden glow of the Oscars® pales when she is asked to name her biggest professional achievement, which for her was becoming partner in 2011. “I joined the firm for all the opportunities it availed me and took advantage of all the doors that had been opened to me,” she says, mentioning mentors and coaches who have helped her funnel career decisions. “When I started, it wasn’t with the objective to be a partner but only to get experience; however, as I progressed within the firm and saw what an achievement it was for those around me, I began to have the desire to become partner. Now I can help coach others within the pipeline.”

Mentoring Others

The pipeline is an important aspect to Ruiz, who balances busy client engagement with a leadership role on recruiting efforts. “Talent is our future, so we are invested in making sure we have the right skill sets and the best and brightest coming through our door.”

She’s also active in the “Aspire to Lead” program, where students from various campuses experience the firm and join in panel discussions via a webcast that links all the PwC offices. This year the event focused on gender equality and featured Geena Davis and Dawn Hudson.

As she works with younger talent, she reminds them that it’s especially important for women to learn to build their confidence and tools to use their voice. “We have to train ourselves to say the things that are on our mind even when it feels hard,” she says, adding that’s one of the benefits of diversity – different views.

Mentors can play a valuable role by providing a different experience or perspective when tackling an issue or challenge.

“Reach out and talk through a situation with someone with whom you feel comfortable,” Ruiz advises. “You don’t have to go it alone because they have been there.”

And, it certainly doesn’t have to be formal relationship. “Throughout my career, I’ve had a variety of people I can bounce ideas off of and seek perspective, which gives me a better sense of how to tackle something.”

Now she can share that vantage point when talking to younger associates, helping them see the bigger picture. And she urges her peers to take the time to do the same, as they will reap the benefits when they take time to foster others’ career success.

“You might be working with someone indirectly, and as time flies and you see them flourish and become your peer, the value and enrichment you get from having watered that plant is so important.”

Family First

Ruiz is a big proponent of the family leave that PwC offers, having utilized it twice when her kids, now 11 and 7, were born. “Many of my contacts at other companies were envious of the flexibility I had to decide when I was coming back, and then when I did return, I felt really supported by partners with the transition. There has been an enduring sense of gratitude that the firm is doing the right thing.”

She says that the firm’s culture embraces flexibility and the ability to do work anywhere. “PwC takes the broader view that every individual may be going through different stages, and therefore, flexibility can look different for each person.”

For her that means dedicated vacation time, including a recent family trip to Hawaii that included her parents and siblings. “It was a calm, relaxed setting that allowed us all to catch up and for the kids to spend quality time with their grandparents.”

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Voice of Experience: Marie Louise Kirk, Partner, Goldman Sachs

Marie Louise Kirk, Goldman Sachs“If you’re surrounded by inspiring people, junior or senior, you’ll be able to work through complex problems,” says Marie Louise Kirk. “They become your source of energy and creativity.” She recommends that professionals develop friendships with the colleagues around them and notes that the relationships she has cultivated throughout her career at Goldman Sachs have helped her succeed. “We all have tough days once in a while, but you have to move on and not let those frustrations inhibit your success. My office friends always help me do that,” Kirk advises.

As Kirk puts it, she is “Goldman Sachs born and bred,” initially joining the firm as an intern. She is now head of FICC Client-facing Engineers for the Americas, responsible for client strategies and solutions. Kirk also serves on the Firmwide Technology Risk Committee and the Securities Division Client and Business Standards Committee.

Originally from Denmark, she was the first in her family to attend university abroad, after being accepted to Harvard. “I come from many generations of Vikings so it was a huge deal when I got a scholarship to attend Harvard from the Crown Prince of Denmark.” She also ended up meeting her now-husband as a classmate at Harvard University.

She describes her experience at Harvard as “eye opening and life changing,” and now serves as a trustee on the board of the Crown Prince Frederik of Denmark Fund for Harvard University.

Although many companies came on campus to recruit, Kirk says that she was won over at her first Goldman event hosted on campus, because of a connection she made with a senior female professional at the firm. “She was so relatable and passionate about her work,” Kirk said. After interviews in Boston and London, Kirk was offered an internship in London on the trading floor. She began working full time as an interest rate derivative trader following graduation. “Trading was at the heart of where things were happening,” she says, describing it as very dynamic, though with a steep learning curve, where she received lots of opportunities to learn.

Data Shows the Way

After several years on the trading desk, Kirk realized that she wanted to become a financial engineer because she enjoyed the quant work, but also wanted to work with clients. Reflecting on this role Kirk says, “This is what I’m passionate about.”

In 2006, Kirk transitioned to the engineering team, and in 2008 she was asked to move to New York to lend her expertise. She arrived in New York two weeks before Lehman Brothers went under and at the time there was a need for her derivative skill set: “Quant skills come in especially handy in tough times,” she says.

In her current job, she appreciates that the role allows her to find solutions for clients – she says she does her best to help clients make money and manage risk and their businesses better.

The advancements in data science and machine learning for how the firm services its clients better are exciting aspects of her work. “We are really figuring out how we can be more relevant to our clients at the right time with the right content.” Kirk notes that her team lets “data be a leading indicator to help guide us and give clients the best and most relevant service possible.”

Although the firm’s risk-management activities have always been driven by data, Goldman Sachs is now starting to apply data to a much larger extent in other areas. Data can create huge efficiency improvements, Kirk says, as well as smarter, more scientific decision-making in areas that were previously driven by more subjective analysis, anecdotes and gut-feeling.

“The change that has taken place in the last couple of years and what’s predicted for the near-term is mind blowing,” she says. “Through data and technology there will increasingly be ways that machines can perform the more manual functions that humans have had to do. It will allow all of us to focus more on the high-value activities in our business.”

Proudest Achievement is Facilitating Success for Next Generation

Kirk says she was proud to be named a managing director in 2009 and partner in 2012, but that she’s most proud of her role in building next generation. “Recruiting talented people, coaching them with the right mix of support and push and ultimately seeing them flourish is wonderful,” Kirk says. “Helping create the next generation of successful leaders is a true legacy. And now seeing them naturally turn around and start supporting and pulling up the generation behind them makes me even prouder and, frankly, quite emotional.”

As Kirk says, “It’s gratifying to know there is a virtuous cycle that will benefit generations that will last way past any one person’s time at Goldman Sachs.”

Savvy Advice on Perfectionism

When asked what advice she wishes she’d known earlier in her career, Kirk notes that no great advice can replace the personal growth that comes from a journey of ups and downs. “No life is perfect. No career is perfect. The sooner you find peace with that truth, the sooner you will find your path to success.” She cites Winston Churchill’s quote: “Success is not final; failure is not fatal; it’s the courage to continue that counts.”

She sees that many people in the workforce, especially those of us with Type A tendencies, become obsessed with perfection and the perception of perfection, but she advises peers and junior employees to be comfortable with not always trying to be perfect.

“To be really creative and innovative, you have to push boundaries and give it your all,” she says. “You have to keep the right balance between being on your toes, but not so obsessed with perfection or fear of failure that you become scared of your own shadow.” Managers are critical in providing the psychological safety to help overcome some of these issues and create an environment of authenticity and ability to be your own diverse self, she says.

Kirk warns that when you apply that same standard of perfectionism to marriage, kids and friends on top of work, you will break.

“If you aim for perfection, you may feel you have to choose between being the best at work and in your personal life and that you can’t do both. But if you change your attitude and approach, you may end up doing both better.”

Throughout her years at Goldman Sachs, Kirk has been involved in many of the firm’s internal programs, and she has found that one element they have all had in common is the social glue of community and connectivity, which have helped her remain excited to go to work every day.

A Full Life Outside of Work

Currently expecting her third daughter, Kirk says she has her hands full with two other girls, ages 10 and 5, and a husband with a thriving career of his own.

Yet she still finds time to nurture girls on the path to STEM careers. “It’s upsetting when I see them lean out, and often at such a young age, all because of stereotypes,” she says. “It’s fine to make a conscious choice at 16, but sometimes they start opting out at age 6 before they understand their true talent and interests.”

In her family, it’s easy to focus on women who are successful at math. “We good-naturedly ridicule dad, who’s not a math guy,” she laughs. “For now my daughters think math is a girl thing.”

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