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N ) will combine its retail banking and mortgage operations under Jonathan Larsen according to an internal memo seen by Reuters in the second senior promotion for a veteran of the bank's Asian franchise this year

Retail Banking Lecture by Ms. Surbhi Mathur.

Larsen, currently global head of retail banking, previously ran Citi's Singapore unit and spearheaded the lender's push in credit cards in Asia.

Citi's Asian franchise now has 12 of the lender's 24 consumer banking markets globally, and contributes a fifth of global profits.

The lender's strategy in the region has been to move from targeting the mass market to richer 'mass affluent' customers, Mayo wrote.

The appointments this week of Larsen and Bird, who oversaw that push in Asia to trim low-profit customers and target wealthier clients, signals Citi's intention to pursue the strategy globally.

In a separate memo also seen by Reuters on Thursday, Citi named Anand Selvakesari as head of consumer banking for Asia, a position Larsen has been holding since 2009.

A Citi spokesman confirmed the contents of the memos.

Fabio Fontainha, the head of consumer banking in Brazil, will assume additional responsibility for consumer banking in Latin America.

Robot swarms seen as guardians against future threats Video Reuters

Down Payment Money paid to make up the difference between the sales price and the mortgage loan

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Earnest Money: Money given by buyer as part of the contract terms which shows good faith usually placed in escrow at the closing title company.

Money held in a non interest account, by mortgage lender to pay taxes and insurance when due.

Foreclosure: Legal process by which the lender or seller forces a sale of a property because borrower has not followed the terms of the loan.

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Mortgage Loan Representative: The McCue Mortgage Company: Shannon Silver

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