Bachelor of Science in Biology, St. John's University, 1965. Doctor of Laws (honorary), St. John's University, 1986. Postgraduate in biochemistry, Bryn Mawr College, 1967.
Master of Science, Graduate School Business, Columbia University, 1980.
Vice president Chase Manhattan Bank, New York City, 1971-1981, Bankers Trust, New York City, 1981-1983. President, Chief Executive Officer The First Women's Bank, 1984-1985. Superintendent banks New York State Banking Department, 1985-1991.
Managing director, chief administration officer American Express Bank Ltd., 1991—1993. President New York Clearing House Association, New York City, 1993-1999. Chairman, Chief Executive Officer The Depository Trust Company, since 1999.
Board directors Federal Reserve Bank New York, since 2002, Atlantic Mutual Insurance Comps., Ambac Finance Corporation, The Interpublic Group of Companies.
Member Council Foreign Relations, Japan Society, Group of 30 Steering Committee, New York City Partnership, Securities Industry Foundation Economic Development. Director, consultant September 11 Fund, Alliance Downtown New York. Member of Council Foreign Relations.
Married Martin Rettinger. 1 child Danielle.