C

Citi

Runs banking and payments for global clients

Java Gen AI/Agentic AI implementations Senior Developer

Full-Time
No salary listed
Senior, Expert
Bachelor's
Vagator, Anjuna, India
Hybrid
Software EngineeringAI Application Engineering, Backend Engineering

About the job

Requirements
  • 8-12 years of relevant experience in an applications development role or senior-level experience in an enterprise architecture role.
  • Subject-matter expertise in one or more areas.
  • Proven experience building, leading, and delivering complex technology projects from conception through deployment and ongoing support.
  • Demonstrated ability to design, develop, implement, and provide sustained support for enterprise-grade applications.
  • Knowledge of automating code quality, code performance, unit testing, and build processing in continuous integration and continuous delivery.
  • Hands-on expertise with frontend development using Angular or similar JavaScript frameworks, backend development using Java microservices architecture, and designing and implementing RESTful APIs.
  • Expertise using modern development tools and technologies across all phases of the Software Development Life Cycle, including Devin, Friday.AI, GitHub Copilot, or equivalent.
  • Working knowledge of industry best practices and established software development standards.
  • Strong understanding of Wealth Management, Retail Banking operations, customer relationship management, investment products, and back-office operations within a financial institution.
  • Ability to articulate complex technical concepts and strategic objectives clearly to diverse audiences.
  • Bachelor's degree or university degree, or equivalent experience.
Responsibilities
  • Conduct feasibility studies, time and cost estimates, information technology planning, risk technology, application development, model development, and establish and implement new or revised application systems and programs to meet business needs.
  • Monitor and control all phases of the development process, including analysis, design, construction, testing, and implementation, and provide user and operational support for applications.
  • Use in-depth application development expertise to analyze complex problems, evaluate business and system processes and industry standards, and make evaluative judgments.
  • Recommend and develop security measures during post-implementation analysis of business usage to ensure successful system design and functionality.
  • Consult with users, clients, and technology groups on issues; recommend advanced programming solutions; and install and assist customer exposure systems.
  • Ensure essential procedures are followed and help define operating standards and processes.
  • Serve as an advisor or coach to new or lower-level analysts.
  • Operate with limited direct supervision and exercise independent judgment and autonomy.
  • Act as a subject-matter expert to senior stakeholders and other team members.
  • Assess risk in business decisions, drive compliance with applicable laws, rules, and regulations, apply sound ethical judgment, and escalate, manage, and report control issues transparently.
Desired Qualifications
  • Prior exposure to Generative AI and Agentic AI implementations in a financial domain.

About the company

C

Citi

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Website

Citi runs banking, investment and payment services for companies, governments and individuals around the world. Its global network connects institutions with local banking systems, while its US consumer business sells credit cards and deposit accounts. Corporate clients use Citi to manage cash, finance trade and raise capital, and investors use its trading, custody and wealth services to hold and manage assets. The bank earns interest on loans and fees from payments, securities transactions, financial advice and account services. Citi traces its banking roots to 1812; the Citigroup holding company was formed in 1998, and its headquarters are in New York City.

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

  • Revenue is expanding: Citi reported $24.8 billion in the June 2026 quarter, up 14% year over year.
  • US parents get protected time: eligible Citi employees receive 16 weeks of bonding leave at full base pay.
  • Institutional deposits are sticky: Citi says around 80% of Services deposits come from clients with relationships exceeding 15 years.

What critics are saying

  • Lending losses remain substantial: Citi's net credit losses reached $2.4 billion in the June 2026 quarter.
  • Australian hybrid roles require office time: Citi sets a minimum of three office days weekly for designated hybrid positions.
  • Job cuts carry a cost: Citi booked roughly $500 million in severance in the March 2026 quarter.

What makes Citi unique

  • Corporate payments move at scale: Citi processes around $6 trillion daily through its Treasury and Trade business.
  • Deposits move beyond banking hours: Citi Token Services transfers cash between participating Citi branches around the clock.
  • Employees use a shared AI workspace: Citi's Stylus platform reaches over 180,000 people for research and multi-step workflows.

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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

Astor Media
Oct 19th, 2026
Together prices $519M commercial mortgage-backed securitisation, its fourth deal in four months

Together has priced its seventh public small-balance commercial real estate mortgage-backed securitisation, valued at £409m. The deal was issued through Together Asset Backed Securitisation 2026-2 CRE-7 plc (CRE7). The placed notes have a weighted average cost of 1.21% at a 95% advance rate. About 83% of the notes are expected to receive AAA(sf) ratings from both Fitch and DBRS, with settlement expected on October 28, 2026. CRE7 is backed by first and second charge mortgages on commercial, residential and mixed-use properties across England, Wales and Scotland. First charge mortgages make up 98.2% of the portfolio. BNP Paribas and Lloyds Bank Corporate Markets were co-arrangers. Chief financial officer Chris Adams said it was Together's fourth transaction in four months, and that it "further diversifies our funding platform.

CNBC
Oct 16th, 2026
US presses China to widen market access for Mastercard and Citigroup in Bangkok talks

US Treasury officials pressed China this week to widen market access for Mastercard and Citigroup, an official said. The delegation, led by Deputy Secretary Francis Brooke, met the People's Bank of China (PBOC) and the finance ministry on the sidelines of the Group of 20 and IMF-World Bank meetings in Bangkok. Regulatory approval was part of the deal reached last month between Presidents Donald Trump and Xi Jinping, the official said. Mastercard now runs yuan card payments through a joint venture with NetsUnion Clearing Corp. Approval would let it operate independently. Citigroup is seeking a wholly owned securities licence and plans to raise its China securities staff to about 100, people familiar said. It applied in late 2021. On October 13, China allowed Visa to start preparing a wholly owned domestic card-clearing business.

Fortune
Oct 14th, 2026
Citi's Jane Fraser: after 20,000 job cuts, the bank must "beat the best

Citigroup chief executive officer Jane Fraser says the bank's turnaround has entered a new phase after it posted its best third-quarter revenue in a decade. Speaking virtually at Fortune's Most Powerful Women Summit on Wednesday, she said, "We've got a lot of the heavy lifting behind us." "If we are going to be the best in the businesses we're in, we have to beat the best," she said. Since 2021, Fraser has cut Citi into five core businesses, removed layers of management, and begun exiting consumer banking in 14 markets outside the US. The overhaul includes 20,000 job cuts due to finish before 2027. Fraser said AI can help Citi earn money, save money, and secure the bank. Whether it will shrink headcount is unclear: "Honestly, we don't know yet." Citi now requires AI training for 175,000 employees.

Yahoo Finance
Oct 14th, 2026
Big banks' Q3 dealmaking fees hit $8.47B, up 15%, but deals "delayed rather than canceled

Four of Wall Street's biggest banks reported third quarter dealmaking fees of $8.47 billion, up 15% from a year earlier but down 7.5% from a banner second quarter. Goldman Sachs, JPMorgan Chase, Citigroup, and Wells Fargo said activity remains strong despite market volatility and higher borrowing costs. JPMorgan chief financial officer Jeremy Barnum said deals were "delayed rather than canceled" after a slowdown in late September, when volatility widened the gap between what buyers and sellers would accept. Goldman's fees rose 22% to $3.2 billion, led by record M&A advisory revenue. Wells Fargo's rose to $894 million, and Citigroup's rose 9% to $1.35 billion. Goldman chief executive officer David Solomon said some companies postponed initial public offerings (IPOs) in September rather than accept valuations 10% to 15% lower.

Yahoo Finance
Oct 13th, 2026
Citigroup posts best Q3 revenue in a decade, lifts ROTCE guidance above 11%

Citigroup reported its best third-quarter revenue in a decade for 2026, with four of its five core businesses growing. Services revenue rose 15%, and wealth management return on tangible common equity (ROTCE) topped 14%. The bank raised its full-year ROTCE guidance to above 11%, with a medium-term target of 11-13% for 2027-2028. It expects Markets revenue to fall about 20% in the fourth quarter, a typical seasonal decline. Expense growth was held to 3% excluding notable items. Citigroup booked over $1 billion in year-to-date severance and bought back $3 billion of shares in the third quarter alone. Its CET1 capital ratio stood at 12.8%. The deconsolidation of Banamex in early 2027 is expected to be slightly accretive to that ratio despite a $9 billion currency translation adjustment loss.