Rosemary “Ro” Spaziani is a partner in the New York office of Gibson, Dunn & Crutcher. Ro is a member of the Financial Institutions, Financial Regulatory, and FinTech and Digital Assets Practice Groups. Ro brings extensive experience advising U.S. and non-U.S. financial institutions on the full spectrum of transactional, governance, regulatory and supervisory matters, including complex mergers and acquisitions and enforcement actions. She routinely represents clients before the Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation (FDIC) and state regulators. She also regularly advises clients in the establishment of commercial relationships to between banks and financial companies, as well as the creation and development of new deposit, digital asset and payments platforms.

Prior to joining the firm, Ro was a managing director at Goldman Sachs, where she served as the global head of the bank regulatory, deposits and transaction banking legal practice groups. In such capacity, she was responsible for a number of strategic acquisitions and builds, including the acquisition of the retail deposit platform and the development and launch of the global transaction banking business. Most recently, Ro was at a major U.S. law firm, where she focused on bank mergers and acquisitions. Ro began her career at a multinational law firm in New York and serves on the board of The Acting Company.
Ro graduated with a Bachelor of Arts in Psychology and Sociology, magna cum laude, from Bucknell University and a Juris Doctor from Columbia Law School.

Citizens Bank of Edmond is rewriting the story of community banking. As a women-owned, nationally recognized bank, we deliver high-tech solutions, empower entrepreneurs through Vault 405, champion military banking with ROGER Bank, and drive bank-led economic revitalization through Heard on Hurd, the largest monthly food truck and independent music festival in the nation.

Reading Cooperative Bank is a customer-owned financial institution offering personal and business banking, loans, and financial planning services. With a strong commitment to community engagement, it provides modern digital banking tools while supporting local growth. Customers help shape its direction, reflecting its cooperative values and dedication to personalized service.

Public sector banking doesn’t have a line on Citi’s income statement. But Monaco’s global influence is threaded throughout the bank’s work with government finance ministries, central banks and other sovereign entities.

As a kid growing up in the ‘70s, Julie Monaco never imagined being a banker. A regular at model UN competitions, she pictured a career with the State Department or maybe the United Nations. Fortunately for Citigroup, Monaco discovered banking. Following a path shaped by friends, mentors and bosses—and at least one fortuitous encounter—she landed in a position tailor-made for her skills and passions.

Jennifer Taylor’s workday spans continents, often beginning in, say, Australia and ending somewhere in Latin America. It’s a rhythm that perfectly captures the global scope of her role as Citi’s chief compliance officer for banking and international. 

With oversight and responsibilities across 160 markets and a physical presence in over 90 countries, Taylor’s work puts her at the forefront of international risk management during one of the most transformative periods in financial services. 

“I genuinely, really enjoy the challenge of our global footprint,” she said. “I find that fascinating.”

When Jennifer Doyle landed a temp job on the First Union trading floor in Charlotte, North Carolina, after graduating from college, she felt like she’d won the lottery.

At the time Doyle didn’t know much about Wall Street or investment banking, or sales and trading. But as a former college tennis player, she relished the fast pace and competitive nature of the work.

“It was truly right place, right time,” she said.

Doyle parlayed her temp job into a 25-year career starting at First Union, its successor Wachovia and then Wachovia’s acquirer, Wells Fargo. For the last three years, Doyle has been co-head of the structured products group at the San Francisco-based bank, a role that continues to engage her competitive spirit.

Sports analogies are rife when talking about business, but when Jill Gateman describes the middle market as a team of quarterbacks, you listen. That’s because Gateman has spent the better part of the last two decades shaping the middle market offering of industry leaders such as PNC. While she takes on a broader remit in her new role as co-head of U.S. commercial banking, her experiences working with the middle market still drives her thinking.

“If you’re familiar with middle market, I look at them as almost like the quarterback. They bring the whole bank to all of our clients and prospects,” Gateman observed. Her new role has given her a different perspective on how it fits into the larger commercial bank offering. 

That role focuses on TD’s national corporate and specialty businesses, including middle market, sponsor-backed and fund finance, institutional commercial real estate, asset-based lending, franchise finance, healthcare, municipal, non-profit and higher education. (Until September 2024, Gateman was head of corporate banking and specialized finance, the role on which her 2025 ranking is based, as per American Banker‘s methodology requiring a full year of performance.)

Mary Ann Miller is VP, Fraud Executive Advisor at Prove and a well-respected expert in the fraud and identity space. Mary Ann was most recently Head of Fraud Strategy at Varo Bank where she led the fraud strategy process for transitioning the fintech to a nationally chartered challenger bank. By leading fraud management programs and applying advanced analytics, machine learning and channel security defenses Mary Ann has helped financial institutions globally lower exposure to fraud in an increasingly digital environment. Mary Ann’s previous directorships and executive roles in well known organizations like USAA, PayPal, Lloyds Banking Group and other technology firms provides a strategic business perspective of fraud challenges. Mary Ann has previously served on the US Federal Reserve Secure Payments Task Force and Scams Definition and Classification Working Group and has built a high visibility reputation as a thought leader and global authority on digital fraud through media coverage on BBC news, NPR, American Banker, USA Today, Forbes, Bloomberg and others.