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Dhruv Pandya is an experienced finance and technology professional with a robust background in process modeling, digital transformation, and software architecture. Currently serving as Global Head of Process Modelling at Citi, Dhruv has held prominent roles such as Audit Director focusing on data transformation and risk controls. Prior tenure includes significant positions at Bank of America Merrill Lynch, Ace Carter LLC, and Royal Bank of Scotland, demonstrating expertise in product strategy, team management, and software delivery. Dhruv's academic credentials include an MBA from London Business School, as well as advanced degrees and certifications in software engineering and finance.