Cash Management Sales Officer - Commercial Banking
About the job
- At least 15 years of experience in transaction banking, treasury and trade solutions, cash management, trade finance, or corporate banking.
- Proven success in solution sales and complex deal structuring within technology, IT services, digital economy, or large corporate banking segments.
- Strong understanding of treasury operations, working capital management, liquidity structures, payments, collections, and trade solutions.
- Experience handling multinational clients and cross-border treasury environments.
- Strong consultative selling, stakeholder management, and executive engagement capabilities.
- Ability to work across multiple products, geographies, and internal stakeholders to deliver integrated client solutions.
- A bachelor's degree.
- Manage a defined portfolio of Existing-to-Bank, New-to-Bank acquisition, and strategic growth relationships within the digital, technology, internet, fintech, and IT services sectors.
- Develop client-specific transaction banking strategies jointly with Relationship Managers, Industry Heads, and Product Sales teams.
- Increase cash management balances, transaction volumes, trade utilization, and cross-border business flows.
- Build strategic relationships with CFOs, Treasurers, Founders, Finance Controllers, and Treasury Transformation teams.
- Serve as the primary solution specialist for sophisticated treasury and working capital requirements.
- Deliver complex multi-product and multi-country transaction banking solutions spanning cash management, domestic and cross-border payments, collection solutions, liquidity management, escrow and virtual account structures, trade finance and structured trade, supply chain finance, and foreign exchange and cross-border treasury solutions.
- Advise clients on treasury transformation, cash centralization, regional treasury structures, and working capital optimization.
- Identify transaction banking opportunities across digital, technology, software-as-a-service, fintech, e-commerce, gaming, platform, and IT services segments.
- Build ecosystem-led strategies by mapping customer, vendor, partner, and developer networks.
- Deliver banking solutions that support rapid scale, digital operating models, and global expansion.
- Identify cross-border opportunities across Citi's global franchise and client operating footprint.
- Collaborate with local and international coverage teams to capture global cash and trade flows.
- Support clients expanding into new geographies through globally consistent treasury, liquidity, and trade solutions.
- Partner with regional product specialists to structure integrated cross-border solutions.
- Identify opportunities for host-to-host, application programming interface, enterprise resource planning, and platform integrations.
- Partner with implementation teams to execute connectivity and automation projects.
- Support clients in digitizing treasury operations, receivables management, and payment processing.
- Advocate next-generation digital banking solutions that improve operational efficiency and client experience.
- Increase domestic and export collections, operating balances, liquidity deposits, and trade utilization.
- Track and grow cash metrics including operating balances, sweep structures, term deposits, and transactional throughput.
- Expand trade finance penetration through import/export finance, trade services, and structured trade solutions.
- Identify opportunities to improve working capital cycles and treasury efficiency for clients.
- Act as a thought leader for healthcare, technology, and digital economy sectors.
- Monitor industry trends including embedded finance, digital commerce, platform ecosystems, artificial intelligence-driven business models, and evolving treasury practices.
- Assess competitive positioning and market pricing dynamics to strengthen Citi's value proposition.
- Conduct detailed share-of-wallet analysis to identify convertible opportunities and revenue expansion potential.
- Master of Business Administration, Chartered Accountant, Chartered Financial Analyst, or equivalent professional qualifications.
About the company
Citi provides financial services including consumer banking, credit, investment banking, and wealth management to individuals, corporations, and governments. The company operates by earning interest on loans and collecting fees for managing investments, processing trades, and facilitating cross-border transactions through its digital platforms. Unlike many local banks, Citi maintains a physical and digital presence in over 160 countries, allowing it to serve as a single partner for clients with global financial needs. Its goal is to drive growth and profitability for its clients and shareholders while supporting environmental and social sustainability initiatives.
Company Size
10,001+
Company Stage
IPO
Headquarters
New York City, New York
Founded
1812
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Simplify's Take
What believers are saying
- Q2 2026 revenue hit $24.8 billion, Citi's best quarterly revenue in a decade.
- Citi Commerce Media monetizes 6.5 billion annual transactions across 70 million customers.
- Q2 2026 deposits reached $1.5 trillion, and Banamex stake sales strengthened capital.
What critics are saying
- Citi cut 7,000 jobs since late 2025; more layoffs hit compliance and risk teams.
- Citi still works through data governance and regulatory reporting remediation under 2020 consent orders.
- Banamex separation and heavy automation threaten execution; mishandled controls risk another regulatory crackdown.
What makes Citi unique
- Citi moves nearly $6 trillion daily, giving unmatched cross-border payments scale and reach.
- Citi Token Services and stablecoin rails bridge fiat, tokens, and regulated settlement.
- Citi Stylus Workspaces reaches 180,000 employees; Arc embeds agentic AI across businesses.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
401(k) Retirement Plan
401(k) Company Match
Wellness Program
Paid Vacation
Paid Sick Leave
Paid Holidays
Company News
Coinbase Global and Citi have launched new features linking the bank's payment systems with Coinbase's stablecoin infrastructure. Citi's Virtual Account Wallet for Coinbase will automatically convert client fiat balances into stablecoins and convert incoming stablecoins back into fiat. Merchants using Citi's Spring platform can now accept stablecoin payments whilst keeping settlement within Citi's regulated banking system. The partnership supports Coinbase's strategy to reduce reliance on trading fees by expanding subscription and service revenue, including payments infrastructure and custody services. The rollout targets US merchants and enterprises. Adoption rates, active user numbers, and processed transaction volumes will indicate the partnership's success. The move aligns with Coinbase positioning itself as an institutional gateway as payments shift onto blockchain infrastructure.
Citi and Coinbase have expanded their partnership to bridge traditional banking and digital payments. The collaboration introduces two initiatives: Coinbase Virtual Accounts, which uses Citi's Banking-as-a-Service infrastructure to provide bank-account-like functionality with automatic fiat-to-stablecoin conversion, and merchant stablecoin acceptance through Citi's Spring platform, powered by Coinbase Payments. The solutions allow businesses to operate between traditional and digital finance without building separate infrastructure. Merchants can accept payments from over 150 million stablecoin holders globally, with automatic conversion to fiat. Citi serves as the bank of record for settlements. Launching initially in the United States, the partnership aims to enable interoperability between fiat and digital payments. Citi moves approximately $6 trillion daily and banks 90% of top e-commerce companies and 15 of the world's 20 largest fintechs.
Citi, Mastercard and the FinTech Association of Hong Kong co-hosted their third annual fintech forum in Hong Kong, focusing on agentic AI in financial services. The event brought together regulators, financial industry leaders and fintech innovators to discuss responsible AI adoption across wealth management, banking and payments. A key highlight was Citi Sky, Citi Wealth's conversational AI platform developed using Google Cloud and Google DeepMind technologies. The platform serves as an always-on digital companion designed to help clients access market insights and engage with wealth advisors. Speakers included representatives from Citi, Mastercard, the Hong Kong Monetary Authority, Accenture, AlipayHK, Ant International, Google Cloud, Hong Kong Cyberport and NVIDIA. Discussions covered customer engagement, governance, cybersecurity and the future of work in an AI-driven financial landscape.
International Payments Identity has raised $16 million in Series A funding led by Foundation Capital, with participation from Citi, HSBC, and existing investors. The payment intelligence firm addresses insufficient payment verification as digital transactions accelerate globally. IPID highlights that information flow lags behind payment system advancements, leaving institutions uncertain about recipients. This verification gap increases fraud vulnerability, with losses projected to reach $331 billion by 2027. The company currently operates bank account verification across more than 50 countries and plans to expand into US payments and digital assets. The funding will strengthen its global network and improve payment decision-making capabilities for financial institutions.
Peruvian oil company and steelmaker tap commercial banks to support their operations