Melissa Hartzell is a Director, Finance Transformation at Citi. Colleagues describe them as "I had the privilege of working closely with Melissa during our time at Investors Bank, where she served as the Senior Vice President and Head of Consumer Lending. Additionally, Melissa held the position of Vice President and Senior Credit Officer during the time I worked with her. Melissa's leadership and expertise in lending and risk management were truly exceptional. Her attention to detail and commitment to excellence were evident in every aspect of her work. As Senior Vice President, Melissa not only reviewed credit requests meticulously but also played a pivotal role in establishing and implementing controls that effectively monitored and mitigated risks, aligning with the bank's risk appetite policy. Melissa’s impact extended beyond process enhancements. She was instrumental in creating and optimizing lending products. Her dedication to regulatory compliance was unwavering, as she ensured adherence to all applicable laws, rules, and regulations. Melissa effectively communicated and followed up with me and my team when necessary. Furthermore, Melissa’s leadership was evident in her role as Vice President and Senior Credit Officer. She played a pivotal role in building a robust credit risk culture, contributing significantly to the bank's risk management efforts. Her involvement in updating policies and procedures showcased her versatility and commitment to best practices. She also actively participated in cross-functional teams, contributing to the successful implementation of new products. In summary, Melissa’s leadership, attention to detail, commitment to compliance, and dedication to process improvement left an indelible mark on Investors Bank. It was truly a privilege to work alongside her, and I wholeheartedly recommend Melissa for any role or endeavor she chooses to pursue. Her passion for excellence and her ability to deliver results are truly commendable." and "My name is Chris Edra and I am the Simplicity Partner/Lending Business Support Manager for Municipal Credit Union. I have a little under 5 years of experience working alongside Melissa and it is an honor to not only consider her my mentor, but a close friend as well. My career and personal growth was only possible due to her leadership which has been the case for numerous individuals who had the liberty of crossing her path. During our time together, I have always felt empowered and found purpose to my career. The majority of my prior work experience falls within the legal field, but I have found my niche in the world of lending. Due to Melissa’s direction, I have unlocked my true potential and found the self-worth that I have been longing for. A strength that is evident in her leadership is bestowing complete trust with all of her direct reports. As a result, we know we are in good hands that she will successfully guide us to achieve any goal. There is never a moment where we felt alienated as Melissa is always ready to jump in and lend a helping hand whenever we are in need. This recommendation letter is just a microcosm of the positive impact Melissa can have at any organization. We have built multiple products, established promotions that catered to the best interests of our members and formed numerous internal projects that enhanced our case management systems and procedures. If there is a way to create a better foundation for a company, Melissa Hartzell-Galileo has the experience and creativeness to positively transform everything she is a part of."