When Citicorp and Travelers Group were trying to tie the knot last year, Heidi Miller played an obscure but crucial role in making the nation's biggest financial merger happen.

Like most bank chief financial officers, the 46-year-old Ms. Miller worked behind the scenes. Her job was to wrangle with regulators to insure their approval of the deal. They did, and now Ms. Miller is CFO of the nation's largest banking company, with assets of $690 billion.

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