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Citi
Citi
H1B Visa SponsorBankingFinanceFintech
Citi is a global banking and financial services company serving consumers, corporations, governments, and institutions. Its offerings span consumer banking, credit cards, wealth management, corporate banking, and investment banking, supported by operations in more than 100 countries. As a large international finance organization, Citi brings together teams working across banking, financial services, and fintech.
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Senior Engineering Lead, Payments Platform (Hybrid)

Lead the design and engineering of resilient, AI-enabled payments infrastructure for Citi. This senior role covers microservices, real-time transaction processing, compliance, and technical leadership.

USUnited StatesFLFloridaTXTexas
$141,440 – $212,160 / year
HybridFull-timeSeniorEnglish RequiredFull-stack EngineerSoftware Engineer
ApacheCloudDistributed SystemsGrafanaJavaJenkinsKafkaMicroservicesMongoDBNoSQLOraclePostgresPrometheusPythonRedisRuby on RailsSplunkSpringSpring BootSwift

Description

  • Lead cross-functional integration, deliver new payments products and capabilities, and improve payment processing workflows
  • Evaluate complex business and system processes alongside payments industry standards to define effective solutions
  • Provide advanced application programming expertise and oversee assignments involving significant budgets, cross-functional initiatives, or multiple projects
  • Establish methodologies and standards for program analysis, design, coding, testing, debugging, and implementation
  • Apply advanced knowledge of system flows and multiple technology domains to achieve payments platform objectives
  • Work with payments product owners and business stakeholders to define system specifications and incorporate them into system designs
  • Assign work and mentor or coach developers, analysts, and new team members
  • Influence and negotiate with senior leaders while communicating with external stakeholders
  • Manage risk, compliance, controls, and the protection of Citigroup, its clients, and assets
  • Build fault-tolerant, loosely coupled microservices with circuit breakers, bulkheads, and active-active replication to support 99.99% availability
  • Integrate AI and machine learning models for predictive scaling, anomaly detection, and automated self-healing
  • Develop high-throughput, event-driven architectures using technologies such as Apache Kafka for real-time payment and transaction processing
  • Ensure platform architecture and engineering practices address PCI-DSS, AML/KYC transaction monitoring, and payment scheme compliance

Requirements

  • At least 10 years of hands-on software engineering experience
  • Demonstrated individual technical contribution to enterprise-grade payments or financial transaction processing systems
  • Subject matter expertise in application development with Java technologies, including Spring Boot, Spring Cloud, and reactive programming frameworks
  • Proficiency in Java and Python
  • Experience designing, building, and maintaining enterprise-scale payments platforms across complex distributed systems
  • Experience designing and implementing resilient microservices architectures with circuit breakers, bulkheads, and active-active replication
  • Experience with event-driven and message-based architectures using Apache Kafka or comparable platforms
  • Working knowledge of payment rails, messaging standards, and protocols including ISO 20022, SWIFT, ACH, RTP, and wire transfers
  • Understanding of the payments processing lifecycle, including authorization, clearing, settlement, and reconciliation
  • Strong knowledge of CI/CD tools such as Jenkins, GitLab CI/CD, and GitHub Actions
  • Proficiency with relational and NoSQL databases including PostgreSQL, MongoDB, Oracle, or Redis
  • Experience using artificial intelligence tools and technologies such as GitHub Copilot, Claude, or Devin
  • Experience implementing monitoring and observability with Prometheus, Grafana, ELK Stack, or Splunk
  • Strong systems analysis capabilities
  • Familiarity with payments industry regulations and standards is advantageous
  • Ability to build relationships and consensus across payments product, risk, compliance, and operations stakeholders
  • Bachelor's or university degree, or equivalent experience
  • Master's degree preferred

Benefits

  • Discretionary and formula-based incentive and retention awards
  • Medical, dental, and vision coverage
  • 401(k) plan
  • Life, accident, and disability insurance
  • Wellness programs
  • Paid time off including planned vacation, unplanned sick leave, and paid holidays

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