This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.ExclusiveUnder the CEO, the bank is working through its 13th restructuring. Can Citi shed its longstanding reputation as the banking sector’s laggard?Citigroup CEO and Chair Jane Fraser, photographed on the 39th floor terrace at the bank’s New York City headquarters. (PHOTOGRAPH BY THE TYLER TWINS)The Fear of 13 is a new play on Broadway starring Adrien Brody about a man wrongly imprisoned for murder. Brody’s character passes his time learning new words, including “triskaidekaphobia,” the fear of the number 13.