Citigroup operates the most international of the big US banks, moving money for multinational corporations in nearly a hundred countries. Its treasury and trade solutions business, the plumbing behind global corporate cash management, is widely viewed as the crown jewel. US consumer banking centers on credit cards. After years of sprawling complexity, management has sold most overseas retail operations and reorganized around five core businesses to close a persistent valuation gap with peers. Citi's lineage stretches back to 1812.