What Citi Sky says about the reinvention of client relationship models in wealth management - Tearsheet

Wealth management follows a familiar rhythm where advisors book meetings in advance, send market notes after the fact, and make decisions that move at the speed of inboxes and calendars.

Citi Wealth is aiming to break that cadence with Citi Sky, built in partnership with Google Cloud and Google DeepMind. The bank describes it as an always-on AI-powered member of the Citi Wealth team that can talk, respond, and surface insights in real time.

Citi’s Head of Wealth, Andy Sieg, says the intent is to move away from the fragmented experience clients have lived with for years. “For decades, managing your financial life meant navigating apps, calls, and meetings,” he said in a press release. “With Citi Sky, you simply ask – and act. This is the shift from interface to intelligence, from transactions to outcomes.”

The Citi-Google Cloud relationship extends beyond a typical vendor arrangement. While Google provides the underlying infrastructure and AI stack, the collaboration evolved into a deeper co-development effort. Teams from Google Cloud and Google DeepMind worked alongside Citi engineers to shape Citi Sky’s architecture, conversational experience, and guardrails, while Citi retains ownership of the client experience, data, and decisioning layer.

From infrastructure modernization to client-facing intelligence

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