TOM DUGGAN: Again, welcome back. One of our top categories every year is Cash Management, and this year our sponsor once again is Citi. So joining us to present the awards in this category and moderate the panel is Michael Fossaceca with Citi.

Michael is the managing director and regional head of client sales management for large corporates, for Citi's Global Transaction Services organization in North America. He's also responsible for GTS client management for key subsidiaries of foreign multinationals based in North America. Michael has over 20 years of experience in treasury management and has developed and implemented innovative treasury management solutions for clients globally.

Mike joined Citi in 2009. Prior to that, Mike was a large corporate treasury executive in the global treasury services business at Bank of America, as well as with JP Morgan Chase. Michael holds an M.B.A. in management from Columbia University and a B.A. in finance from St. Bonaventure University. So now I'd like to turn things over to Michael. Thank you.