In This Section 104 Our Transformation 110 Risk Management 121 Serving Our Customers and Clients Responsibly 125 Human Rights 134 Responsible Sourcing Risk Management and Responsible Business Contents ESGatCiti SustainableFinance SustainableProgress Equitable&ResilientCommunities Talent&DEI RiskManagement&ResponsibleBusiness Appendices CITI 2021 ESG REPORT 103