Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments, and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.
As a bank with a brain and a soul, Citi creates economic value that is systemically responsible and in our clients’ best interests. As a financial institution that touches every region of the world and every sector that shapes your daily life, our Enterprise Operations & Technology teams are charged with a mission that rivals any large tech company. Our technology solutions are the foundations of everything we do from keeping the bank safe, managing global resources, and providing the technical tools our workers need to be successful to designing our digital architecture and ensuring our platforms provide a first-class customer experience. We reimagine client and partner experiences to deliver excellence through secure, reliable, and efficient services.
Our commitment to diversity includes a workforce that represents the clients we serve from all walks of life, backgrounds, and origins. We foster an environment where the best people want to work. We value and demand respect for others, promote individuals based on merit, and ensure opportunities for personal development are widely available to all. Ideal candidates are innovators with well-rounded backgrounds who bring their authentic selves to work and complement our culture of delivering results with pride. If you are a problem solver who seeks passion in your work, come join us. We’ll enable growth and progress together.
Position Overview:
The Payments Technology Lead is a critical leadership role accountable for the strategic management and delivery of complex, critical, and large-scale professional disciplinary areas within our Wealth NAM Payments Technology team. This role leads and directs a highly skilled team of engineering professionals, requiring a comprehensive understanding of multiple interdependent areas within the technology landscape and their interaction to achieve ambitious functional objectives, specifically within the payments ecosystem. The successful candidate will apply an in-depth understanding of the business impact of technical contributions and possess strong commercial acumen, particularly concerning payments innovation and market trends. This position is generally accountable for the delivery of a full range of high-quality digital software services related to payments processing, platforms, and solutions to one or more businesses or geographic regions. Excellent communication skills are paramount for effective internal negotiation, often at a senior executive level, with some external communication as necessary with payment partners.
The position holds ultimate accountability for the end results of their area, exercising control over resources, contributing to policy formulation, and leading strategic planning within the Wealth NAM Payments technology domain. This role primarily impacts a significant sub-function and is involved in the short- to medium-term planning of actions and resources. Full management responsibility includes people leadership, budget oversight, and strategic planning, encompassing performance evaluation, compensation, hiring, disciplinary actions, and terminations, as well as budget approval.
Responsibilities:
- Demonstrate the ability to attract senior talent and multiple functions from inside and outside of company. Teach others how to set high organizational performance standards, determine performance measures and goals and establish a leadership bar. This will require the ability to facilitate understanding of broader organizational tenets and strategic goals for department
- Recognize trends for larger-scale development needs within and across teams and builds plans to develop skills. Share talent development best practices across organization
- Large-Scale Payments Software Delivery & Technical Influence: Lead the end-to-end development, implementation, and successful delivery of large-scale, critical, and/or technically challenging software initiatives related to payments platforms, payment gateways, fraud detection systems, or core banking payment integrations. This includes new product development and significant refactoring efforts within the payments space. Heavily influence the technical direction and contribute significantly to critical-path code.
- Payments Stewardship & Integration: Think holistically in terms of scalable architecture and resilient systems, beyond mere code implementation, specifically for high-volume, low-latency payments systems. Maintain detailed technical knowledge of the work performed by your teams and proactively drive improvements in consistency, integration, and interoperability between your software and related systems owned by other teams, including legacy payment systems and external payment networks.
- Audit department goals to ensure alignment with broader organizational goals and that these goals are aligned with and accountable for department performance against goals
- Develop and communicate department vision that supports the broader organizational vision; ensure team culture consistently demonstrates alignment with leadership principles; and visibly ties department decisions to leadership principles and tenets
- Lead the development, implementation, and delivery of successful large-scale, critical and/or difficult software efforts involving significant work (can be new software or a refactor of existing software). Heavily influence the development and write a significant portion of the “critical-path” code.
- Think in terms of architecture, not just code. Have detailed knowledge of the work done by your team and proactively work to improve consistency and integration between your software and related software (owned by other teams).
- Influence your team’s technical and business strategy by making insightful contributions to team priorities and approach. You take the lead in identifying and solving ambiguous problems, architecture deficiencies, or areas where your team’s software bottlenecks the innovation of other teams. Make software simpler.
- Able to communicate your ideas effectively to achieve the right outcome for your team and customer. Harmonize discordant views and lead the resolution of contentious issues (build consensus).
- Lead design reviews for your team and actively participate in design reviews of related software or other team software at your location.
- Code, development and implementation decisions set a great example to others. Provide insightful code reviews and take ownership of outcome. (“You ‘ship it’, you own it.”) Work very efficiently and routinely deliver the right things.
- Demonstrate technical influence over 3-4 teams, either via a collaborative software effort or by increasing their productivity and effectiveness by driving software engineering best practices (e.g., Security, Quality, Operational Excellence, etc.).
- Actively participate in the hiring process as well as mentor others - improving their skills, their knowledge of your software, and their ability to get things done
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.
Qualifications:
- 10+ years of relevant experience in a product line management, e-commerce, and/or strategic planning role.
- Develop and maintain both front-end components using Angular and back-end services with Java, ensuring seamless integration through well-designed APIs.
- Architect and implement resilient and high performing microservices architectures, managing data persistence with MongoDB and integrating solutions into continuous deployment pipelines using CI/CD best practices.
- Significant experience building complex business and/or transactional models.
- Deep understanding of payments domain, including payment networks, clearing & settlement, fraud management, and regulatory compliance (e.g., ISO 20022, PCI DSS).
- Has thrived and succeeded in delivering high quality technology products / services in a high growth environment where priorities shift rapidly.
- Ability to use hard data and metrics to back up assumptions and develop business cases.
- First-class leadership and influencing skills, including experience managing a Tech Team
- Demonstrated interpersonal and talent management skills, including the ability to identify and develop product management talent.
Education:
- Bachelor’s/University degree, Master’s degree preferred
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Job Family Group: Technology------------------------------------------------------
Job Family:Digital Software Engineering------------------------------------------------------
Time Type:Full time------------------------------------------------------
Primary Location:Jersey City New Jersey United States------------------------------------------------------
Primary Location Full Time Salary Range:$192,000.00 - $288,000.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
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Most Relevant Skills Please see the requirements listed above.------------------------------------------------------
Other Relevant Skills Angular, Java (Programming Language).------------------------------------------------------
Anticipated Posting Close Date:Jun 20, 2026------------------------------------------------------
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
Skills Required
- 10+ years relevant experience in product line management, e-commerce, or strategic planning.
- Develop and maintain front-end components using Angular and back-end services with Java.
- Architect and implement resilient, high-performing microservices architectures and manage data persistence with MongoDB.
- Experience integrating solutions into continuous deployment pipelines using CI/CD best practices.
- Significant experience building complex business and/or transactional models.
- Deep understanding of payments domain including payment networks, clearing & settlement, fraud management, and regulatory compliance (ISO 20022, PCI DSS).
- Proven leadership and influencing skills, including experience managing a technology team and talent development.
- Ability to use data and metrics to back assumptions and develop business cases.
- Bachelor's/University degree (Master's preferred).
Citi Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Citi and has not been reviewed or approved by Citi.
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Healthcare Strength — Benefits coverage is positioned as comprehensive, including health, dental, and vision insurance plus on-site clinics, prescription drug support, and disability coverage. Family-building support such as fertility assistance is described as a notable differentiator within the overall package.
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Retirement Support — Retirement benefits are framed as strong, highlighted by a 401(k) with matching and additional plan options like a Roth 401(k). Financial support is reinforced through discounts and broader financial guidance resources tied to the benefits ecosystem.
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Wellbeing & Lifestyle Benefits — Wellbeing support extends beyond insurance through programs like an Employee Assistance Program, counseling/legal resources, and gym or wellness reimbursement. These offerings increase the perceived total rewards value even when cash compensation sentiment varies by role.
Citi Insights
What We Do
Citi's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. We have 200 years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities. We are Citi, the global bank – an institution connecting millions of people across hundreds of countries and cities.
