Card Smarts

Marketing whiz Pam (Codispoti) Habner ’88 pays it forward.

As CEO of U.S. branded cards and lending at Citi-group, Habner has developed noteworthy marketing approaches with credit card products. One of her recent innovations is the True Name Initiative, which allows cardholders to use their self-identified, chosen name on a credit card. “We found that there were segments of the consumer world—largely nonbinary and LGBTQ+ consumers—who did not feel their card reflected who they were. In some cases they were the recipients of negative reactions,” Habner says. “We’ve had more than 30,000 people take advantage of this, and it is impactful to their daily lives.”

“Pam’s brilliance as a marketer comes from her empathy for the human condition,” says Jill Avery, marketing professor at Harvard Business School. “Pam strives to understand her customers as people first before she considers them as possible consumers and, in doing so, designs solutions for them that address the significant needs that are currently arising in their lives.” Last year customers filled a thread on Reddit with praise of Habner and her Citi Custom Cash card, which won a 2022 Smart Money Award from Real Simple.

Habner’s road to financial services ran through a dual major program that combined mathematics with psychology, followed by Harvard Business School. “Those behavioral and economic insights have served me really well in business and marketing throughout my career,” says Habner, who lives in Bronxville, New York, with her husband and twin 10-year-old sons.

Portfolio

Always Faithful
An excerpt from “War and American Life,” a collection of essays about U.S. veterans
Charged Up
Jamie Reigle ’99 helps electric racing take off.
Dynamic Duo

Filmmakers Phil Lord ’97 and Chris Miller ’97 talk about the ups and downs of moviemaking, life in Tinseltown, and how they’ve honed their comedic collaboration.

“Sandy” Alderson ’69
The New York Mets president on America’s game

Recent Issues

November-December 2022

November-December 2022

September-October 2022

September-October 2022

July-August 2022

July-August 2022

May-June 2022

May-June 2022

March-April 2022

March-April 2022

January-February 2022

January-February 2022