UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported) October 19, 2004
                           ---------------------------

                                 Citigroup Inc.
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             (Exact name of registrant as specified in its charter)

   Delaware                         1-9924                      52-1568099
- ---------------                   -----------               -------------------
(State or other                   (Commission                  (IRS Employer
jurisdiction of                  File Number)               Identification No.)
incorporation)

                    399 Park Avenue, New York, New York 10043
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               (Address of principal executive offices) (Zip Code)

                                 (212) 559-1000

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              (Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[  ] Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

[  ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))



                                 Citigroup Inc.
                           Current Report on Form 8-K

ITEM 8.01  OTHER EVENTS.

Citigroup Inc. announced today that Thomas Jones, Deryck Maughan and Peter
Scaturro will be leaving Citigroup Inc. Effective immediately, Citigroup Asset
Management, the Citigroup Private Bank, and Travelers Life and Annuity will
report to Robert Willumstad. Effective November 5th, the Citigroup Private Bank
will report to Todd Thomson.




                                    SIGNATURE

            Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


Dated: October 19, 2004          CITIGROUP INC.


                                 By:   /s/  Michael S. Helfer
                                       ---------------------------------
                                 Name:  Michael S. Helfer
                                 Title: General Counsel and Corporate Secretary