Overview: We are seeking a highly motivated and skilled Software Development Engineer to join our dynamic team. The ideal candidate will be passionate about building high-quality, scalable, and resilient software solutions, embracing modern development practices, and leveraging innovative technologies like Artificial Intelligence to drive efficiency and excellence. This role offers an exciting opportunity to contribute to cutting-edge projects and collaborate with a talented group of engineers.
Key Responsibilities:
- Partner with multiple management teams to ensure appropriate integration of functions to meet goals, as well as identify and define necessary system enhancements to deploy new products and process improvements.
- Resolve a variety of high-impact problems and projects through in-depth evaluation of complex business processes, system processes, and industry standards.
- Provide expertise and advanced knowledge of applications programming, ensuring application design adheres to the overall architecture blueprint.
- Utilize advanced knowledge of system flow to develop and enforce standards for coding, testing, debugging, and implementation — including modern practices such as TDD, BDD, and AI-assisted development.
- Develop comprehensive knowledge of how areas of business, such as architecture and infrastructure, integrate to accomplish business goals.
- Provide in-depth analysis with interpretive thinking to define issues and develop innovative solutions.
- Champion automation and forward-thinking engineering practices, providing strategic direction and actionable suggestions for productivity improvements across the development lifecycle.
- Serve as advisor and coach to mid-level developers and analysts, allocating work and fostering a culture of continuous learning and technical excellence.
- 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.
Required Skills and Qualifications:
- Experience: 6+ years of relevant experience in applications development or systems analysis, with significant time in architectural roles.
- Technical Stack: Architect-level, hands-on experience designing and implementing scalable, production-grade solutions using Kotlin, Java, Python, Docker, MongoDB, ElasticSearch, AMQP, Kubernetes, and OpenShift, with a strong command of Reactive Programming principles.
- Modern Development Practices: Proven experience applying TDD, BDD, CI/CD pipelines, and AI-assisted development tools to improve code quality, test coverage, and delivery velocity.
- AI & Automation: Forward-thinking approach to leveraging AI/ML and automation to drive productivity improvements, intelligent system capabilities, and operational efficiency.
- Financial Domain: Proven experience in the financial services domain with a specific focus on Settlements, including ATM transaction processing, reconciliation, and clearing workflows.
- Troubleshooting: Demonstrated ability to rapidly investigate and resolve complex architectural defects, delivering robust and sustainable implementation solutions under pressure.
- MOT Applications: Functional and technical expertise in MOT applications.
- SME: Recognised Subject Matter Expert (SME) in at least one critical area of applications development.
- Leadership: Demonstrated leadership and project management skills, with the ability to adjust priorities quickly as circumstances dictate.
- Communication: Consistently demonstrates clear and concise written and verbal communication, able to convey complex technical concepts to both technical and non-technical stakeholders.
- Bachelor's degree/University degree in Computer Science, Software Engineering, or a related technical discipline. A Master's degree is advantageous.
Why Join Us?
You will be part of an innovative team that values technical excellence, continuous learning, and a collaborative work environment. We offer opportunities to work on challenging projects, utilize cutting-edge technologies, and make a significant impact on our products and customers.
------------------------------------------------------
Job Family Group: Technology------------------------------------------------------
Job Family:Applications Development------------------------------------------------------
Time Type:Full time------------------------------------------------------
Primary Location:Jersey City New Jersey United States------------------------------------------------------
Primary Location Full Time Salary Range:$142,320.00 - $213,480.00
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.
------------------------------------------------------
Most Relevant Skills Please see the requirements listed above.------------------------------------------------------
Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
Anticipated Posting Close Date:Jun 15, 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
- 6+ years relevant experience in applications development or systems analysis with significant architectural experience
- Hands-on architect-level experience with Kotlin, Java, and Python
- Experience with Docker, Kubernetes, and OpenShift for containerization and orchestration
- Experience with MongoDB and Elasticsearch
- Experience with AMQP (messaging) and Reactive Programming principles
- Proven application of TDD, BDD, and CI/CD pipelines
- Experience leveraging AI/ML and AI-assisted development tools for automation and productivity
- Proven financial services domain experience focused on Settlements, including ATM transaction processing, reconciliation, and clearing workflows
- Functional and technical expertise in MOT applications
- Recognised Subject Matter Expert (SME) in at least one critical area of applications development
- Leadership and project management skills with ability to mentor and allocate work
- Strong written and verbal communication skills for technical and non-technical stakeholders
- Bachelor's degree in Computer Science, Software Engineering, or related discipline
- Master's degree advantageous
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.
-
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.
-
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.
-
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.
