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“The use of AI at Citi enables us to be creative, innovative and gives us flexibility. For my team, that means turning customer data into actual business intelligence.”

Michelle D.
Head of Customer AI & Engineering

“I’m fortunate to be on a team that works on features I never thought I would encounter as a microservices developer.”

Dayanny C.
Backend Software Engineer

“When it comes to diversity, equity and inclusion, Citi walks the walk. Being able to see the progress that we've made makes me proud.”

Fatimah R.
Data & Analytics

“Our mentorship programs help all employees feel comfortable asking questions and feel seen as valued contributors.”

Alexus M.
Technology Finance

Personal Banking & Wealth Management Technology

Citi’s Personal Banking & Wealth Management (PBWM) organization has a streamlined, strategic focus on U.S. Personal Banking – inclusive of Branded Cards, Retail Services, and U.S. Retail Banking. PBWM also includes the Global Wealth Management sector, which encompasses our consumer wealth businesses in North America, Asia, Latin America, EMEA, and the global Citi Private Bank.

Our Technology teams within PBWM diligently work behind the scenes to help deliver best-in-class service for our customers. And as client expectations continue to evolve rapidly, our unique model is well-positioned to evolve with them. We deliver software that has a variety of end users: mobile apps and websites that help our customers manage their money; desktop software that allows our customer service agents to provide support and advice; and internal databases, microservices, and tools that Citi teams rely upon every day. To support our innovative work, PBWM Technology has a variety of roles, from software development and data analytics to product management, business analysis, process re-engineering, and more.

No matter what team you join within PBWM Technology, you’ll be helping to solve complex challenges in a culture committed to equality and equity alongside great people, including the remarkable women in technology at Citi.

asian female employee sitting with a coffee and smiling at her phone

Over 28 million mobile users on applications supported by the PBWM Technology team at Citi

To help enable growth and progress for Citi’s clients around the world, our team is accelerating the future of banking through industry-leading technology. To do this, we put the client at the core of what we do – every decision we make, every experience we create, and every interaction we have. We also embrace agility and modern engineering to deliver well-designed services that are simple, always available, and integrated into our clients’ increasingly digital lifestyles.

Our Core Job Areas

  • Join our agile development teams that are building features for the Citi Mobile® and Citibank® Online applications used by millions of customers. Our teams operate in four-week sprints and are organized around a set of features that they own.

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  • In an architecture role, you'll have the opportunity to develop and support our enterprise development pipelines, help execute our journey to a modernized cloud environment, engineer and strengthen our infrastructure, and assist our development teams in making sound and informed architectural decisions about their products and features.

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  • Our data & analytics team supports both customer-facing and internal applications in a variety of ways: whether it’s getting data from point A to B securely and efficiently; creating customized visualization tools for evaluating performance or forecasting outcomes; building and maintaining our big data pipelines; or scaling our data science models to production.

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  • Our UI/UX teams are designing digital experiences that are simple, personal, and human. Collaborate with the rest of the product team to evolve and refine design, ensuring visual cohesion and engineering efficiency across all user touchpoints.

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  • Our product management teams are critical in the coordination of the promotion of products to develop new markets, increase share of market, and obtain a competitive position.

    Search for Product Management jobs >
  • Our program/project management teams oversee critical aspects of estimation and execution, including sprint planning, removing blockers, status reporting, shipping code, coordinating launches, and performance monitoring.

    Search for Project Management jobs >
  • There are a variety of other roles within PBWM Technology, including risk management, business analysis, business management, quality assurance, and more. No matter what drives you, we value our colleague's unique talents, perspective and passions. We'll strive to empower you to solve challenges on a global scale, help drive innovation around one of the most personal products in the world, and take charge of your career.

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PBWM Technology @ Citi

We believe in the power of diverse, talented teams that collectively allow us to help bring our best thinking to our customers, clients, and communities, and we empower our employees to bring their full selves to work. Women in technology at Citi help build innovative products and tools that make an impact on a global scale. We help ensure our employees have the resources and opportunities needed to fulfill both their own potential and Citi’s potential for our clients. Your responsibilities here will vary based on where you and your team sit, but you will help shape financial technology for our company, the industry and our customers – today and tomorrow.

Woman on her laptop while enjoy a cup of coffee from a Citi mug

PBWM Technology's
Women in IT Program

In 2014, PBWM Technology started a Women in IT program with a mission to help create a sustainable and scalable ecosystem that will fundamentally change how we attract, develop, and retain students in order to employ and develop their technology skills at an earlier age. To date, we have reached over 50,000 students across the U.S. We also started a Women in IT internship program for high school and college students, hosting over 330 interns so far, many of whom interned with us year after year, and are now working for PBWM Technology full time.

Michele B.

Head of Tech Workforce Planning

“The ‘Women in IT’ program enables top-tier talent to grow their technical skills while learning about all the nuances of our industry.”

Our Work

Enhanced Customer Engagement Program

Our Citi® Self Invest platform enables growth and progress by allowing clients to meet and achieve their long-term financial goals through a seamless end-to-end digital experience. Our PBWM Technology team has partnered with our Risk and Control partners to simplify account opening processes and modernize the architecture to uplift the technologies. The teams built the foundation to support future roadmap and infrastructure needs to scale the application to achieve future demands. The results of this Citi-built browser trading experience include enhanced engagement through a unified browsing and search experience for trading, insights and news, and provides clients with a deeper understanding of how they can build wealth with us.

Decision Engine Optimization

Our Personal Installment Lending project is a prime example of tech stack modernization and simplification that will see Citi move to a robust and strategic infrastructure. The purpose of the project is to move to a new credit decision engine and core processing platform for the installment lending product, which will enable Citi to give out personal installment loans to mass market customers for whatever their financial needs. As well as being a major win for customers, the project is elevating the profile of our teams with senior management, exposing employees to new learning experiences, and bringing teams together to build new relationships and celebrate their hard work and success.

First-to-Market Capabilities

The Citi Custom Cash® card technical team empowers customers to earn and redeem rewards on purchases. Fully embracing Citi’s “Mobile First” vision, the Custom Cash technical team conceptualized, designed, and delivered first-to-market capabilities for customers to apply for a new credit card directly through innovative software only a few months after the software launched. The teams leveraged HTML5 responsive design, containerized microservices, and mobile SDKs to deliver this and other intuitive capabilities for approved customers to begin using their card digitally, immediately upon approval, and to track rewards earned in real-time.

UI Redesign

The core vision of this project was to revamp the banking experience for our customers in order to make their lives easier by delivering Citi’s most relevant guidance, offers, and content at every stage of their relationship. This innovative product is offered through a seamless end-to-end digital experience. Our talented teams within PBWM Technology redesigned key features like the homepage and dashboard while building and leveraging scalable frameworks. This has helped expand multi-relationship customer population, increase overall digital engagement, expand data-driven personalized dynamic experiences, and more. The results of this Citi-built browser trading experience include enhanced engagement through a unified browsing and search experience for trading, insights, and news. Additionally, it provides clients with a deeper understanding of how they can build wealth with us.

Through Citi’s business capabilities, policies, and philanthropy, we are taking action to advance gender equity within our walls and in communities across the globe. Our workforce is constantly evolving and developing, benefiting from a strong mix of internal and external hiring into new and existing positions.

As the world’s most global bank, diversity is a top priority for us. We aspire to foster a welcoming, inclusive culture that attracts the best of the best. We’re continuing to focus on our aspirational goals to increase the representation of women and underrepresented groups by 2025. Our goal is to steadily progress the percentage of C12+ female talent represented in our global workforce to 43.5% and increase the representation of North American Black colleagues to 11.5%. We have a strong dedication to expand the U.S. representation of Hispanic and Latino colleagues to 16%. Similarly, we’re continuing to grow our talent by attracting Brazilian Black and Pardo colleagues, with a goal to increase this group to 10%. Over in the U.K., we’re focusing on cultivating diversity, with goals to increase the representation of Asian colleagues to 11%, Black colleagues to 3% and mixed ethnicities to 3%.

two female employees walking

Representation Goals

a group of colleagues chatting over lunch

Citi Global Benefits
Bringing the Best to Our People

Every day, Citi employees work hard to make a positive financial and social impact in the communities we serve. In turn, we put our employees first and provide benefits they need to be well, live well, and save well.

We’ll provide you with resources to help empower you to make healthy decisions and manage your financial well-being to help plan for your future.

Jobs For You

Shape your career with Citi

Looking for more? Click here to search all North America Technology roles.

Featured Citi Women in PBWM Technology

Porcia G.

Tech Quality Assurance

“I’ve had so many opportunities at Citi. Now as a people manager, I'm able to create opportunities for others, and that means a great deal to me.”

Allison O.

Tech Chief Operating Office

“I wouldn't just work at any bank or in just any role in the technology organization. At Citi, l have opportunities I wouldn't find anywhere else.”

Shama S.

Head of Process Reengineering & Simplification

“Attracting and building great talent is close to my heart. Which is perfect, since it’s a big part of my role.”