“We will be thoughtful about when we ask colleagues to be in the office together,’ Chief Executive Jane Fraser wrote to Citigroup employees.The future of work at Citigroup Inc. will be hybrid.Chief Executive Jane Fraser told staffers Monday that most of them will be expected to be in office only three days a week when the world emerges from the coronavirus pandemic. The memo makes Citigroup the first main bank to declare that a physical presence in its offices won’t be needed in the post-pandemic world, a change most bankers would have scoffed at in the year or even months ago. Ms. Frazer, who took over as CEO earlier this month, stated that the plans as to which roles would be hybrid haven’t been completed. Some roles would still need in-person attendance as the norm and few will change to full-time remote.