Name: Terry Benzschawel
Title: Managing Director, Quantitative Credit Trading Strategy
Education: Ph.D., in Experimental Psychology, Indiana University, 1980, Post-Doctoral Fellow in Optometry, University of California Berkeley, 1980-1982, Post-Doctoral Fellow in Ophthalmology, Johns Hopkins Medical School, 1982-1984.

What do you consider Citi's competitive edge?

Its people, the breadth of its businesses, and its global presence

What do you enjoy doing outside work?

Running, swimming, reading, movies, restaurants and travel.

How would you describe your team and the people you work with?

Smart, hard-working, passionate, and unselfish.

What other groups do you liaise with regularly within the Firm?

I work with corporate bond strategy, credit derivatives, loan trading, loan portfolio analysis, emerging markets and structured credit products.

How do you apply your degree to what you're doing now?

I apply things I learned in my scientific training on a daily basis. Technically, I no longer program computers as much as I used to, but the ability to do research, read the financial/scientific literature, critically analyze problems and data, communicate orally and in writing, and run a research/strategy group are all skills that I learned or had extensive exposure to in graduate school.