Joby Swankutty is a Senior Director, Head of U.S. Performance Management and U.S. Booking Strategy at the Royal Bank of Canada in New York. He has been with RBC for 8 years and worked on U.S Capital Management framework development, CCAR processes and analytics, Capital Policy, U.S ALCO, Balance Sheet Management, and Financial Performance Management. He received his MBA degree in Finance & Strategy from Cornell University, Ithaca and his Electronics Engineering degree from the National Institute of Technology Calicut, India. Prior to joining RBC, he was with Citibank for 3.5 years in the North America Consumer Bank Business Treasury team, primarily working on Asset Liability Management, Funds Transfer Pricing and Liquidity. Before joining the Consumer Business Treasury Team, he worked in various teams such as Citi Corporate Strategy and Citi Treasury FX & International Markets.