Citigroup CFO Gonzalo Luchetti Says Transformation Work At 90% Completion, Most Of It Waiting For Internal Validation; Expects Changes In Regulatory Capital To Be Positive, But Does Not Have Estimate Of Excess Capital To Be Released; Is Pleased With Momentum In Investment Banking, M&A Pipelines Remain Strong; Says Large M&A Transactions Moved From First Quarter To Second, Pipeline Looks Good