Ms. Heather Cox has been Chief Technology & Digital Officer and Executive Vice President at United Services Automobile Association since August 2016. Ms. Cox has been Chief Technology & Digital Officer and Executive Vice President at USAA Federal Savings Bank since August 2016. Ms. Cox served as the Chief Client Experience, Digital and Marketing Officer for Global Consumer Banking at Citigroup Inc. since March 25, 2014. Ms. Cox was responsible for developing and implementing the vision, strategy and execution of a common client experience, driving global customer satisfaction efforts and leading Digital, Marketing and Decision Management across Global Consumer Banking. She served as the Chief Executive Officer of Citi FinTech. Ms. Cox served as the Head of Card Operations at Capital One Financial Corporation until March 2014. She joined Citi from Capital One where she developed, led and delivered a comprehensive customer experience strategy, leveraging digital innovations and customer data insights to help position it for further growth, customer engagement, and operating efficiency. She served as the Head of Card Operations, including the leading the integration of the HSBC portfolio into Capital One. Ms. Cox served as the Head of North America Operations at E*TRADE. Ms. Cox was honored as one of American Banker's Most Powerful Women in Banking in 2013, when she was still at Capital One.