During Conf Call, Citigroup CFO Mark Mason Reportedly Says On Investment Banking Pipeline Says Expects To See Activity Pick Up; Much Of Net Credit Losses In The Quarter Were Tied To Credit Card Portfolios; ACL Build This Quarter Related To Transfer Risk In Russia, Dividends On Behalf Of Clients That Bank Is Unable To Distribute; Other Portion Of ACL Build Is Related To Specific Companies Downgrades Related To Lending Portfolio; In Subsequent Quarters Headcount Will Likely Continue To Trend Down