You're the brains behind our work.
As a part of the Consumer Bank, we will give you access to valuable intelligence and decades of experience, which has earned us the trust of more than 110 million customers in 19 countries. Our customers are our life force, and you will be the one working hard for them by helping to make the right decisions at the right time. Your work will help provide best-in-class solutions to consumers and small businesses. From being part of the world’s largest credit card issuers to developing innovative applications for mobile banking, you can help drive innovations that define the future of banking.
If you’re ready to bring your academic learning and career experience from the classroom to the board room, Citi wants to help you get there. Whether it’s honing your skills or building your network, we know that success can’t come without growth. Our programs equip you with the knowledge and training you need to play a valuable role on your team, and the experience to establish a long-term career here. At Citi, we value internal mobility, and our programs will be the springboard for your career path trajectory; how you choose to navigate that path is up to you. We provide you with the knowledge and skills you need to succeed.
The Consumer Banking Full Time Analyst Program provides development-focused roles coupled with structured training, mentoring, and networking events to help you build your career and prepare to be a future leader in the Consumer Bank. During the 2-year Program, you will experience three 8-month rotations in several of the following areas: Cards, Consumer Digital, Retail Banking, Global Retail Banking & Consumer Lending, FinTech, Global Business Development, Global Consumer Marketing, and Consumer Business Operational Risk & Control Your time here will look something like this... Depending on your rotations, you will get experience in the following areas:
Cards The world’s largest credit card issuer, Citi is a global leader in payments, with 142 million accounts, $534 billion in annual purchase sales, $160 billion in average receivables and premier partners across Citi Branded Cards and Citi Retail Services. We offer credit card products across most industry categories and segments, including Cash Back, Rewards, Co-Brands, and Small Business. Some of our best-known products include Citi Simplicity, Double Cash, Costco, and the ThankYou and AAdvantage product suites. Through Citi Private Pass, Citi Cards also engages with leading sports and entertainment partners to offer our customers unique experiences.
Consumer Digital The US Consumer Digital team is the foremost customer advocate within Citi’s US Consumer Bank. With the ability to harness the full power of our people, data, and resources to maximize prospect & customer engagement in support of our strategic priorities, our team is responsible for driving all digital aspects of customer experience, targeting and engagement across the franchise. We take a disciplined, data-driven approach to enhancing the customer experience across the full lifecycle, with digital and mobile as priority channels for acquisition, servicing and engagement. The focus is on delivering sustained, long-term business benefit to the US Consumer Bank by accelerating our progress towards being an industry-leading digital bank
Retail Banking With a high-touch, segment-driven relationship model that serves clients across the full spectrum of consumer banking needs, Citibank serves as a trusted advisor to its retail, small business and wealth management clients at every stage of their financial journey. This business offers banking and investing products and services to meet client’s day-to-day financial needs. Retail Banking & Wealth Management businesses provide checking, savings, loans, financial planning, and investments. They are provided by bankers, relationship managers, financial advisors, and other agents through the branch network and call centers, as well as through ATMs, online, and mobile apps. The business’ global strategy is to deliver a top-notch customer-centric experience, be the preeminent bank for our target segments and top cities, grow through premier digital offerings, and leverage Citi’s unrivaled global footprint.
Global Retail Banking & Consumer Lending Global Retail Banking & Consumer Lending (GRBCL) formed in September 2018, with a focus on driving new strategies, best practices and synergies across global products and segments in Consumer. While execution is primarily handled in regional and local markets, the global team takes a lead role in developing GCB client-led strategies, centrally designing frameworks and infrastructure for connectivity with global partners or through local execution. In partnership with the regions, the team crafts differentiated value for clients through unique product propositions and bundles that cut across – and combine – cards, lending, deposits, investments, insurance and payments. GRBCL enables a data-driven model that couples client needs with behaviors, applying economic value at a customer level to drive this new lens of client-led growth while harnessing Citi’s distribution points – digital and physical, proprietary and partnerships – to enable new and exciting channels of growth.
FinTech Citi Fintech is our “Bank of Tomorrow”. This team will build, empower and drive cutting edge products and services on its mission to improve people’s lives through the use of technology. We will design and deliver mobile-first capabilities leveraging our internal strengths and accessing the best capabilities available in the Fintech space across the full range of client services: borrow, spend, save, invest and protect. Our first focus is on the delivery of a mobile banking application for our NA CG client base/target audience.
Global Business Development The Global Business Development group formed in 2018 with a vision to strengthen streamline and spearhead GCB’s business development efforts globally with major strategic partners. The team spans across two main sub-groups: Global Networks and Business Development. The Global Networks team manages Citi’s relationships with the two major networks, Visa & Mastercard. The Business Development team works across Business Units and Regions to develop strategic partnerships with major partners.
Global Consumer Marketing GCM’s functional areas pull customers through the funnel by defining a clear strategy, driving impactful messaging and bringing the brand to life through differentiated experiences. The team’s scope includes multiple mass-media consumer channels including Social Media, Experiential marketing (Citi Private Pass), Television, Digital, and others. Through the creation and execution of a compelling and consistent expression of the consumer brand, GCM generates the tone and messaging that creates the foundation of the Citi brand for consumers.
Consumer Business Operational Risk and Control Working together to define and execute world class operational risk management practices, we will enhance the client experience, achieve sustainable, responsible growth and protect our brand. Fostering effective partnerships with internal oversight partners. Work closely with first line and second line of defense to manage and mitigate risk. Minimize Risk and Control Issues through partnership and alignment with GCB organization business, regional and functional heads for front to back risk and control oversight.
We want to hear from you if...
Who we think will be a great fit...
As we look to building a pipeline of future leaders for the Consumer Bank, we look for individuals who possess the following qualities: Passion for customers and for being part of a winning team, Desire to positively impact the broader community, High level of energy and enthusiasm, Demonstrated leadership potential, Ability to influence others, Entrepreneurial in nature, Self-starter; ability to move concepts into action, Seeks opportunity to make an immediate impact, Strong Teamwork Skills, Respect for diversity of thought and experiences, Intellectual curiosity, Strong analytic, strategic and project management skills
Citi enables growth and progress for individuals, communities, institutions and governments around the world and has been doing so for more than 200 years. They recognize that their ability to best serve their clients and customers comes from the diverse and engaged employee base and they work tirelessly to deliver opportunities for growth and development to the most talented people. This is a place where the best come to get better.