Marcia Tal is a senior executive and a practicing global data and analytics pioneer. A recognized leader in global consumer banking and the fintech industry, Marcia is in the unique position of having been a corporate executive, founder of a fintech platform, and consultant to enterprises.

During her 25 years at Citigroup, Marcia served as Citigroup Executive Vice President, and envisioned, created, built, and led the Global Decision Management function embedded in 30+ markets, introducing advanced analytical tools and strong governance process into business decisions. Its charter was to seek significant industry breakthroughs for future franchise growth across retail and wholesale banking products. Marcia generated greater than $1 billion annual EBIT through the global implementation of Decision Management disciplines.

Today, Marcia serves as the CEO and Founder of Tal Solutions^®: Helping You Profit from Hidden Value in Your Data^®, a certified Women’s Business Enterprise (WBE), working with global institutions to create profit growth opportunities through advanced segmentation, portfolio analysis, predictive algorithms, new product offerings, data and technology infrastructure, customer service and collections analytic capabilities, and financial forecasting.

Utilizing open source environments and building proprietary advanced analytic models, Marcia launched the PositivityTech^® intelligent platform, The Science of Transforming Negatives into Positives^®. With customer narrative data, AI, and human expertise, the PositivityTech platform identifies “High-Risk Interactions” and predicts problematic conditions, enabling financial institutions to minimize their impact. PositivityTech offers the following key features: severity score; AI-powered Bias Index™; debt collection model; trigger algorithms, and multi-dimensional categorization model.

Marcia’s strategic leadership accomplishments include demonstrating strength in estimating opportunities, financial forecasting, developing plans, project management, and flawless execution. She is known for systematically helping organizations frame critical questions and conceptualize relevant and timely solutions for clients, customers, and businesses — combining business knowledge and technical skills to design and implement those solutions.

A recognized thought leader in data analytics and finance, Marcia has been featured in media outlets and industry events, including American Banker, BAI, Datanami, Payments Journal, Banking Dive, Mastercard’s Digital Safari, and Money 20/20’s MoneyFest. In 2022, Marcia received the Citi Distinguished Alumni Award for Sustainability, Environmental, Social and Governance. In 2024, Marcia was named a “Top Performer” in the GTM Momentum Accelerator, hosted by Women in Cloud, Microsoft, Meylah, and AppMeetup. Marcia holds a Bachelor of Science in Mathematics from the State University of New York in Albany, New York.

Marcia’s proudest professional achievement is mentoring dozens of women in banking, analytics, and technology, and seeing them take on executive positions while living full lives. She is bilingual.