Driss Temsamani

Temsamani started his Citigroup career as a Senior Consultant in 1995 coming from Telemundo TV Network where he held the position of Operations Director from 1993 to 1995. Prior to that, he worked for Globe Magazine and Worldcare International Insurance. Since joining Citigroup in 1994 as a Senior Consultant, Temsamani has held various leadership positions, including Head of Commercial Bank for Latin America (2017–2021), Head of Marketing & Market Management (2008–2012), Business Management Head (2002–2008), and CIO for e-Business (2000–2002). In these roles, he contributed to the development of digital banking platforms, data-driven financial strategies, and technology-driven operational improvements across the region. He is currently managing director, serving as the Americas Head of Digital for the Americas at Citigroup, overseeing digital products and businesses across North America and Latin America. His work focuses on financial market modernization, blockchain, and artificial intelligence in banking. He collaborates with central banks, regulators, and industry partners to advance digital capabilities and promote financial inclusion. ==Membership and organizations==

Driss Temsamani is actively involved in various organizations supporting entrepreneurship, education, and technological innovation. He serves on the Board of Directors of Junior Achievement Americas. Beyond his board roles, Temsamani is a member of the U.S. State Department's Global Entrepreneurship Program, which fosters global innovation and economic growth. He is also involved in the Aspen Institute's Partners for a New Beginning, an initiative focused on strengthening economic and social collaboration between the United States and North African countries. ==Diaspora advocacy==

Driss Temsamani is known for his work in advocating for Moroccan diaspora communities in the United States, focusing on initiatives related to education, civic engagement, and economic development. He has established and helped establish multiple nonprofit organizations and policy-oriented projects to advance the social, political, and economic representation of Moroccan Americans, particularly in international forums. In 2002, Temsamani launched ElKarya, the first social platform in Moroccan Arabic (Darija), designed to connect Moroccan expatriates, particularly in North America. The platform served as a digital hub for cultural exchange, professional networking, and discussions on diaspora identity, making it a pioneering initiative in Moroccan online communities. Temsamani has been president and Board Director of the Moroccan American Coalition since 2008. Later in 2009, he founded the Moroccan Americans for Fritchey Movement. Driss is also the Founder and President of the 361 Degrees Institute, a Moroccan American think-tank for demographic research & development based in the United States. In 2012, Temsamani founded the Maghreb Growth Foundation. Diplomatic and community engagement Temsamani has also been actively involved in U.S. government initiatives aimed at fostering entrepreneurship and economic development in the Maghreb region. He was selected by the U.S. State Department’s Global Entrepreneurship Program as a delegate for President Barack Obama’s socioeconomic development initiatives in the Maghreb. In this capacity, he worked alongside policymakers and business leaders to promote entrepreneurial growth and economic ties between the United States and North Africa. Additionally, Temsamani was invited to speak at the White House, where he addressed issues related to diaspora engagement, economic empowerment, and Morocco-U.S. relations. ==Authorship, lecturing & media appearances==

Temsamani writes on topics related to finance, digital transformation, blockchain, AI, and financial inclusion. In 2005, he became one of the first Moroccan Americans to publish a book in the United States along with Laila Lalami. His book Rewind, a drama story of the human spirit's struggle to find happiness while away from home, was released in 2005. In the early 2000s, Temsamani lectured on marketing strategy and digital engagement, presenting on DNA Marketing and The Art of Marketing, which focused on branding, customer engagement, and digital strategy. During this period, he also spoke at COMDEX, where he discussed the Second Wave of the Internet and its impact on financial and digital transformation. He has since spoken at various industry conferences covering topics such as the role of AI in treasury and finance, Blockchain and digital assets in banking, the impact of cryptocurrency on financial inclusion and the regulatory trends in financial technology. Temsamani has also been featured in print and television interviews in multiple languages, discussing digital transformation and financial innovation. He has appeared on CNN, where he spoke about the future of digital payments and financial inclusion. In Spanish, he has been interviewed by the Peruvian El Comercio, where he discussed tokenization and the transition of physical assets into the digital economy. In the Costa Rican La República, he examined the impact of FinTech on financial markets, while in El Dinero, he elaborated on Citigroup's advancements toward fully digital corporate banking. In 2023, Temsamani participated in a Bloomberg-moderated panel discussion on cryptocurrencies, exploring the role of blockchain, digital assets, and financial regulation in the evolving financial landscape. He has also presented at the America Digital Congress, highlighting the tokenization of assets and digital transformation in the banking sector. His work also includes research on financial inclusion and the role of technology in expanding access to financial services. In 2025, Driss Temsamani published The Agentic Bank: How AI and Intelligent Systems Are Redefining Finance. The book explores how artificial intelligence and blockchain are transforming traditional financial institutions into what he terms "agentic institutions," capable of thinking, acting, and adapting autonomously, thus revolutionizing the financial sector. Drawing on hypothetical case studies—such as a liquidity manager who oversees autonomous agents that monitor cash positions and stress-test portfolios continuously—Temsamani argues that agentic systems will shift banking from periodic, manual processes to always-on, machine-driven orchestration. ==Awards and recognition==

Driss Temsamani has received multiple awards for his contributions to digital banking, financial innovation, and marketing. He is the recipient of The Jerry Goldenberg First place award for direct marketing in 2002 and The Strathmore Who's Who Leadership Millennium Award in 2000. He was named Visionary of the Year by Compaq in 1999. Citi Digital Banking Awards Under Temsamani's leadership, Citi has received numerous awards across Latin and North America, recognizing its advancements in digital banking and technology. In 2022, Citi was named the World’s Best Digital Bank by Global Finance Magazine, marking the 22nd consecutive year of recognition. The following year, Citi was awarded by The Banker’s Innovation in Digital Banking Awards and Technology Projects of the Year Awards, which highlight advancements in banking technology and digital innovation. In 2024, Citi was named the World’s Best Digital Bank by Euromoney for the second time in three years, recognizing its continued investment in digital banking innovation. In March 2025, Temsamani was awarded the Golden Prize (Premio de Oro) in the category "Blockchain and Cryptocurrencies" in his capacity as Americas Head of Digital Citi - Treasury and Trade Solutions. ==Personal life==

Temsamani was born in Tangier. He faced academic challenges and was nearly sent to a military academy. Seeing military school as an undesirable option, he decided to leave Morocco in 1986 at the age of 17 and immigrated to the United States with $200 in his pockets and without a strong command of the English language. While working, he took night classes to learn English and later enrolled in electronics courses, where he was first introduced to computers. Years later, Temsamani enrolled himself in business studies. He is a holder of an MBA from Ohio State University, an Executive MBA in Industrial marketing from IAE Universidad Austral in Buenos Aires, Argentina and an Executive Leadership from Harvard. He is currently based in Miami, Florida where he lives with his wife. ==References==