Joe Zhao is a seasoned finance professional currently serving as Vice President at Citi since October 2024. Prior to this role, Joe held the position of Market Risk Manager at Jefferies from December 2018 to October 2024 and was an Associate there as well. Joe's experience includes working as a Product Analyst at JPMorgan Chase & Co. from March 2017 to December 2018 and as a 12B Combat Engineer in the US Army from April 2011 to July 2014. Joe Zhao holds a Master of Business Administration (MBA) from NYU Stern School of Business, completed in January 2024, and a Bachelor's degree in Accounting and Finance from The University of Texas at Austin, earned in 2017.