Tom Naratil

**Thomas C. Naratil** (an haife shi a shekara ta 1961) babban jami'in kasuwanci ne na Amurka a fannin kuɗi.  Bayan ya yi aiki a matsayin shugaban UBS Wealth Management Americas da UBS Americas tun farkon 2016,  An naɗa Naratil a matsayin Shugaba na UBS Americas Holding LLC kuma ya zama shugaban Global Wealth Management na UBS Group AG da UBS AG a farkon 2018. 

Naratil ya fara aikinsa na kudi a shekarar 1983 lokacin da ya shiga kamfanin dillalan Paine Webber Jackson &amp;amp; Curtis . Bankin Switzerland na UBS ya sayi PaineWebber a shekarar 2000  kuma Naratil zai rike mukamai daban-daban na gudanarwa a UBS Group, ciki har da babban jami'in kudi (CFO) da babban jami'in gudanarwa (COO) daga 2014 zuwa 2015.  Naratil ya maye gurbin Robert McCann a matsayin shugaban UBS Wealth Management Americas da UBS Americas. A shekarar 2016,  Naratil ya jagoranci sake tsara tsarin da ya kunshi rage daukar ma'aikata na Amurka da rage matsayin gudanarwa, yayin da kuma kara diyya ga masu ba da shawara na UBS.   

Yana cikin kwamitin gudanarwa na ƙungiyoyi kamar Gidauniyar Swiss ta Amurka da Kwalejin Jinya ta Jami'ar Villanova, kuma ya yi aiki a Hukumar Kula da Clearing House .  

## Rayuwar farko da ilimi
An haifi Thomas C. Naratil a shekarar 1961 a Amurka .  Bayan ya sami digirin farko a fannin fasaha a tarihi daga Jami'ar Yale a shekarar 1983, ya sami digirin Master of Business Administration a fannin tattalin arziki daga Makarantar Kasuwanci ta Jami'ar New York a shekarar 1990.  Naratil ya yi aiki a Rundunar Sojojin Amurka na tsawon shekaru shida. 

## Sana'a

### 1983-2008: UBS PaineWebber
A watan Yuli  1983, Naratil ya shiga kamfanin dillalan Amurka Paine Webber Jackson &amp;amp; Curtis  ta hanyar shirin horar da kamfanoni. Ya zama mataimakin ciniki a sashin kuɗin shiga mai haraji (TFI) na kamfanin a watan Janairun 1985, kuma daga baya sashin ya naɗa shi manajan haɗari, farawa, tallace-tallace, da tallatawa. Daga 1987 zuwa 1993, Naratil ya jagoranci sashen TFI tare da ofishin ciniki na gwamnati da na hukumomin tarayya, kuma a 1994  ya zama darektan TFI na PaineWebber.  Bankin Switzerland UBS ya mallaki PaineWebber a 2000,  ya sake sunanta UBS PaineWebber a 2001.  Da farko an naɗa shi darektan ƙungiyar samfuran saka hannun jari ta UBS PaineWebber, a 2002, sashen ya naɗa shi darektan ƙungiyar samfuran ma'amaloli  da kuma darektan hanyoyin banki da ciniki.  A shekara ta 2003, an sake wa UBS PaineWebber suna zuwa UBS Wealth Management USA. 

UBS ta zaɓi Naratil a matsayin shugaban dabarun kasuwa da ci gabanta na duniya a shekarar 2005. A wannan matsayin, shi ne ke da alhakin "tallace-tallace, tallatawa da cinikin duk basussukan da ake biyan haraji, takardun kuɗi masu canzawa da kuma hannun jari da aka fi so " na UBS.  A shekarar 2007 aka naɗa shi shugaban tallace-tallace na duniya, sashe da ci gaban abokan ciniki na UBS. A lokacin rikicin kuɗi na 2008, ya yi aiki a matsayin shugaban Rukunin Magance Kuɗin Gwanjo na UBS. 

### 2009-2015: Babban Jami'in Gudanarwa na UBS da Babban Jami'in Gudanarwa
A shekara ta 2009  An naɗa Naratil babban jami'in kuɗi (CFO) kuma babban jami'in haɗari (CRO) na UBS Wealth Management Americas,  rawar da ya taka har zuwa 2011.   A watan Mayu na 2011 ya fara aiki a matsayin Babban Jami'in Kuɗi na UBS na duniya, ya ƙaura daga Amurka zuwa Zurich, Switzerland don maye gurbin John Cryan  a matsayin Babban Jami'in Kuɗi kuma memba na Hukumar Gudanarwa ta Rukunin UBS,  wanda Naratil ya shiga a ranar 1 ga Yuni, 2011. A ranar 1 ga Janairu,  2014, an naɗa shi babban jami'in gudanarwa na UBS (COO) ban da ayyukansa na Babban Jami'in Kuɗi. Ya riƙe matsayin Babban Jami'in Kuɗi da Babban Jami'in Kuɗi har zuwa ƙarshen 2015.

### 2016-2018: shugaban UBS Americas da UBS Wealth Management Americas

#### Alƙawari
Naratil ya maye gurbin Robert McCann a matsayin shugaban UBS Wealth Management Americas da UBS Americas a ranar 1 ga Janairu, 2016,  wanda shugabannin UBS suka dora masa alhakin "fadada ribar dillalan fiye da dala biliyan 1 a kowace shekara."  *Jaridar Wall Street Journal* ta rubuta cewa ana sa ran Naratil zai ci gaba da mai da hankali kan "ba wa abokan ciniki da ke da miliyoyin daloli damar saka hannun jari."A watan Mayu na 2016  Naratil ya ƙulla kawance da kamfanin fasahar kuɗi na SigFig don ƙirƙirar samfuran fintech ga UBS, daga cikinsu akwai dandamali na dijital don tallafawa masu ba shi shawara kan harkokin kuɗi.

#### Sake tsara Tsarin Gudanar da Arziki a Amurka
Naratil ya jagoranci sake tsara tsarin a sashin kula da dukiya na UBS na Amurka a watan Yunin 2016 don "tura ikon yanke shawara zuwa ga manajojin gida 208 na kamfanin," yana ba manajoji ikon kula da tsarin ƙungiyarsu, rarraba albarkatun tallatawa da abubuwan da suka faru, da kuma farashin ayyuka da kayayyaki.  Sake tsara tsarin ya ƙunshi rage ɗaukar ma'aikatan ba da shawara na Amurka da kashi 40 cikin ɗari a kowace shekara, da kuma rage matsayin gudanarwa. An sake tura kimanin manyan jami'ai 60 da ma'aikatan tallafi "da ke tsakanin manyan shugabanni da na gida" ko kuma an rage su, inda Naratil ya kawar da kashi 20 cikin ɗari na manyan daraktocin da kuma kashi 10 cikin ɗari na manyan daraktocin da ke aiki daga ofishin UBS Americas. Tare da kuɗaɗen da aka adana daga rage yawan kuɗaɗen gudanarwa, Naratil ya gina "ƙungiyar SWAT ta ƙwararrun masu tafiya," gami da ƙwararrun masu ba da lamuni da fasaha, don yin aiki tare da masu ba da shawara na gida. Hakanan a matsayin wani ɓangare na sake fasalin, ya kula da sauƙaƙa tsarin diyya na sashin. Da ya fara aiki a shekarar 2017, Naratil ya ce babu wani mai ba da shawara da zai sami ƙarancin kuɗi a ƙarƙashin shirin, wanda ya bar matakan albashi na asali ga masu ba da shawara ba su canza ba.  Bayan ƙara albashi ga zaɓaɓɓun masu ba da shawara  da biyan kuɗi ga masu ba da shawara waɗanda ke da mafi yawan kasuwanci, canje-canjen sun kuma ba da kwarin gwiwa ga aiki a cikin ƙungiyoyi, kawo sabbin kasuwanci, da sayar da littattafan abokan ciniki a cikin kamfanin bayan sun yi ritaya. "Bisa ga jagorancin UBS," Merrill Lynch da Morgan Stanley sun kuma sanar da shirye-shiryensu a shekarar 2017 na canza tsarin ɗaukar ma'aikata da diyya.

### 2018-yanzu: shugaban haɗin gwiwa na Global Wealth Management na UBS Group AG da UBS AG kuma shugaban kamfanin UBS Americas Holding LLC.
A watan Janairun 2018, an nada Naratil a matsayin Shugaba na UBS Americas Holding LLC. 

A watan Fabrairun 2018, ya zama shugaban Global Wealth Management na UBS Group AG da UBS AG tare da Martin Blessing .   Iqbal Khan ya gaji Blessing, ya zama shugaban Naratil na biyu, a ranar 1 ga Oktoba, 2019. 

Da *Bloomberg* ta yi hira da shi a ƙarshen Maris 2020, Naratil ya lura cewa, a lokacin annobar COVID-19, "Babban bambanci tsakanin yanzu da 2008 shine bankunan su ne tushen ƙarfi maimakon tushen matsalar". 

## Membobi da kuma matsayin daraktoci
Naratil yana da hannu a wasu kwamitocin kamfanoni da na agaji. Yana cikin kwamitin gudanarwa na American Swiss Foundation da kuma kwamitin masu ba da shawara na Kwalejin Jinya a Jami'ar Villanova . Ya kuma yi aiki a kwamitin kula da ayyukan Villanova's Clearing House .

## Rubutu da yin magana a bainar jama'a
Naratil ya yi rubutu a wallafe-wallafe kamar Business Insider [undefined] da The Hill kan harkokin kuɗi da tattalin arziki. [undefined] An kuma yi masa tambayoyi ta hanyar cibiyoyin sadarwa da jaridu kamar CNBC, [undefined] Fox Business, [undefined] Reuters, [1] da Bloomberg TV .

## Rayuwa ta sirri
Naratil da matarsa Wendy  suna da 'ya'ya biyar, uku daga cikinsu kuma suna aiki a masana'antar ayyukan kuɗi,  kuma suna zaune a New Jersey .  A shekarar 2013, Jami'ar Yale ta karɓi kyautar tallafi daga Naratil da matarsa don ba da tallafin Wendy U. da Thomas C. Naratil Pioneer Award, wanda ke tallafawa "bincike wanda ko dai yana da ƙirƙirowa sosai ko kuma yana kusa da babban ci gaba a ci gaban lafiyar mata - inda ake buƙatar kuɗi don cimma burinta." 

## Duba kuma

* Jerin mutanen da suka kammala karatunsu a Jami'ar Yale
* Jerin mutanen NYU Stern

## Manazarta