Jane Fraser, chief executive of Citigroup Latin America, talks about the dramatic changes the company has been making to its business model in that region and shares her perspective on how the new strategy is working out so far. She also touches on the unusual popularity of retail bank branches in Mexico, the digital push Citi is planning there next year, and what she sees as the three biggest differences between running a Latin American bank and a U.S. one – diversity, volatility and ethics.