Read the full memo from Citi's top brass revealing its new wealth division on the heels of big consumer bank leadership changes

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<img alt="jane fraser citi" class="img-responsive imported-news-entry-img" src="https://images2.markets.businessinsider.com/5f5a2fb1e6ff30001d4e7f86?format=jpeg" />
<figcaption>Jane Fraser is set to become CEO of Citi next month.
<p class="copyright">Erin Scott/Reuters<!– sh_cad_1 –>
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Bastion Balance Seoul, Korea.