Early Career Opportunities in North America (2024)

Personal Banking and Wealth Management

• U.S. Personal Banking

  Be a part of the Personal Banking (PB) team serving millions of account holders across the world. Innovative technology, best-in-class trainings and limitless opportunity are here to help you shape the future of global banking.

• Citi Global Wealth

  We serve clients ranging from emerging wealth to the wealthiest individuals and their families as they seek to drive growth and progress through their businesses, investments and philanthropy. Join us and help enable our clients to shape the future.

Functions

• Compliance

  Everyone owns compliance risk. In Compliance, we help to make sure Citi is effectively managing its existing and emerging compliance risks to achieve the best outcomes for our clients, our stakeholders, and Citi as a whole.

• Finance

  Our Finance teams keep the whole bank on track. As part of our Finance team, you will have the opportunity to do work with an impact across the entire enterprise while mastering a specialization in planning, strategy and more.

• Human Resources

  Success is a team sport, especially at Citi. Starting a career with our Human Resources team will give you the opportunity to support our businesses around the world and develop your own skills.

• Internal Audit

  Want to ensure our key stakeholders and leaders have an independent assessment of Citi? Internal Audit does just that for key business areas at Citi, offering you the chance to master skills across the industry while gaining valuable experience and networking across the globe.

• Risk Management

  We value strategic thought leadership and strong analytical skills while promoting a diverse, collaborative, high performance culture to assist in our critical role of helping Citi identify, measure, monitor, and control risk and ensure Citi's long-term safety and soundness.

• Enterprise Services and Public Affairs (ESPA)

  Our ESPA team aims to enhance how our stakeholders perceive and experience Citi. We focus on two core activities: managing our reputation by engaging with our stakeholders and delivering great spaces and services to colleagues and clients.

Technology

Supporting our global team is a full-time job. In fact, it could be yours. Find a role with us in Technology supporting Citi's tools and programming while building new skills and growing your career.

• Personal Banking & Wealth Management Technology

  Our team sees Citi as a technology company with a banking license. Here you will power the digital transformation of Personal Banking & Wealth Management across the world and support Citi in being the best for our clients.

• Enterprise Operations and Technology

  Providing a strong technical and operational foundation enables Citi to achieve its day-to-day operations and its long-term growth goals.

• Institutional Clients Group (ICG) Technology

  Our team is on the forefront of innovation. Gain skills in software development and product support.

• Operations

  Operations enables our business to flow, making our business work on time and on target, in a world that demands lightning-fast transaction speeds, pinpoints execution accuracy and full visibility. To make this happen, our teams partner with external Clients, Sales, Trading and other internal departments to mitigate risk and deliver a best in class post execution service.

Institutional Clients Group

• Banking, Capital Markets and Advisory (BCMA)

  • Capital Markets

    As a part of our Capital Markets team, you'll get a hands-on experience serving our clients and developing your talents to help acquire capital for major business needs.

  • Corporate Banking

    Looking for a career where you'll get to see the impact of your work directly every day? Look no further than Corporate Banking, where you'll deepen your industry knowledge alongside our team and get hands-on experience in a rewarding role.

  • Investment Banking

    In Investment Banking, you'll be part of a team that impacts much more than one client or company. You'll enable clients to reach their financial goals and drive industry change by providing in-depth strategy and financial advice.

  • Strategic Training for Experienced Professionals

    We are pleased to announce the launch of the Citi Strategic Training for Experienced Professionals Program within Banking, Capital Markets and Advisory (BCMA). This program is aimed at recruiting underrepresented professionals from backgrounds outside of institutional client advisory and capital markets. This is a unique opportunity for individuals interested in making a transition into the financial industry, and specifically into BCMA. The program will take participants through an exciting and intensive five-month training program to help develop the skills needed to be successful in banking. Following successful completion of the training, participants will have the opportunity to join an incoming Associate class.

  • Financial Resource Management (FRM)

    This team exists to solve complex problems, concentrating on regulatory capital and liquidity management and efficiency opportunities to support the business strategy of Markets and Securities Services, and the larger Institutional Clients Group franchise.

  • In-Business Risk & Control (IBRC)

    IBRC is a critical and growing part of Citi, focused on identifying, measuring, monitoring and mitigating the key risks impacting our Institutional Clients businesses, including our lending, banking and services organizations as well as the functional groups who support them, and leveraging data to understand and articulate potential issues and trends.

  • Leveraged Portfolio Group (LPG)

    LPG is an integral part of Citi's credit approval and origination process for Leveraged Finance transactions, as well as ongoing credit monitoring framework for Citi's Leveraged Finance Portfolio of client relationships, both Sponsor-backed and Corporates. LPG plays a critical role in the ongoing evaluation of the clients' financial health and credit profile, allowing Citi to effectively manage its exposure against clients with highly leveraged credit structure.

• Citi Commercial Bank

  Looking to master the art of client relations and start a rewarding career with Citi? Look no further than our Commercial Bank, which offers you the opportunity to develop your skills as an integral part of our team supporting our clients.

• Markets

  Have a talent for making the complex simpler? Our Markets team works with sophisticated and diverse financial offerings to serve organizations equally as unique. You'll be challenged daily and gain a wide range of professional skills and experiences.

  • Commodities

    The Commodities business falls under the Citi's Markets division, and we are a top global Commodities bank. Our capabilities include trading and marketing commodities and commodity derivatives in power, natural gas, and crude oil and oil products.

  • Equity Research

    Here you will be able to contribute to providing expert analysis on a span of disciplines.

  • Public Finance

    Public Finance investment bankers work closely with city, state, and local governments as well as municipal authorities to raise capital for an array of public-use projects.

  • Quantitative Analysis

    Join our industry-leading professionals as thought leaders on complex subjects and assist traders and clients in pricing, hedging, and structuring of securities, and provide critical information and advices for managing risk across all market trading units.

  • Sales & Trading

    Our Sales & Trading team work with sophisticated and diverse financial offerings to serve institutional clients looking to enter and exit financial positions.

  • Securities Services

    Securities Services leverages our local and global strengths in execution, our comprehensive custody, clearing and fund servicing capabilities to meet our clients' needs.

  • Treasury and Trade Solutions

    Considering a career that will constantly challenge you? Our industry-leading Treasury and Trade Solutions team will help you develop your professional abilities by streamlining solutions such as cash management, trade services and finance solutions for companies across the globe.

• Global Spread Products Financing and Securitization

  Global Spread Products Financing & Securitization (GSP F&S) provides innovative capital solutions to a broad range of clients ranging from corporates, asset managers, institutional investors, governments and non-profits across the credit, municipal and securitized markets. GSP F&S is comprised of fifteen businesses who engage in traditional Investment Banking strategies (managing client relationships and helping to develop strategic and tactical capital plans) along with asset-based financial structuring and targeted capital markets activities including syndication and distribution.

Why Citi

We're always on the lookout for great talent. At Citi, learning and self-development is integral to our culture and you can expect to continue to be challenged every day – it's how we make progress. We take a hands-on learning approach to support your growth and learning.

• Experience

  You'll learn everyday by doing client work, analysis and other challenging assignments. Get on-the-job practice and feedback from Citi experts as you hone your skills alongside your peers.

• Exposure

  You'll have honest, open interactions with leaders of all levels and focus across our company. From networking events to work shadowing, you will have meaningful conversations and experiences every week at Citi.

• Education

  You'll also have access to our full suite of functional courses and eLearning modules to ensure you have the knowledge you need for success. And when you're ready, we have a whole host of leadership programs and coaching awaiting you.

Early Insight Programs

We also offer a number of ways for you to join our team in North America:

• Freshman Discovery Day

  A two-day exploratory program designed to expose freshman of diverse backgrounds to Citi's culture and provide an introductory education on various programs across the firm.

• HBCU Symposium

  A two-day symposium hosted at Citi's Global Headquarters in New York City designed for undergraduate freshmen and sophom*ores attending HBCUs (Historically Black Colleges and Universities). The Symposium serves as an introductory experience focused on helping freshmen and sophom*ores of diverse backgrounds understand financial services, gain technical skills and kickoff their career planning process.

• Early ID Leadership

  An exclusive five-week virtual program focused on identifying, mentoring and hiring diverse talent. The program pairs each participant with a mentor and provides them access to virtual trainings, panels and seminars given by Citi professionals. Program participants are eligible for an expedited interview process for our summer analyst programs.

• Sophom*ore Leadership Program

  The Sophom*ore Leadership Program provides exceptional sophom*ore students with a ten-week summer internship in New York City. The program offers interns training, mentorship and exposure to different businesses within Citi's Institutional Clients Group.

Community Involvement

You'll also do more than just be a great partner to our clients. You'll have the opportunity to give back and make a positive impact where we live and work through volunteerism.

• Citizenship

  We are honest, prudent and dependable – for our clients, colleagues and communities. When you work at Citi, you have the opportunity to give back every day in meaningful ways.

• Environment

  We lead the industry in managing environmental and social risks. At Citi, we take action to effect positive and meaningful change in our communities.

• Citi Foundation

  The Citi Foundation supports the economic empowerment and financial inclusion of people with low to moderate incomes. Through your work, we'll help change the lives of people every day together.

• Diversity

  Citi is one of the most diverse companies in the world. Our employees reflect the remarkable range of cultures and perspectives of our clients across more than 160 countries and jurisdictions where we do business. While you are here, you will be able to join one of our many employee network chapters across our Affinities around the globe.

• Global Community Day

  Citi Volunteers celebrate Global Community Day each year, participating in projects in hundreds of cities around the world.

Through our core business and philanthropy, we address some of society's greatest challenges — an imperative stated in our mission and an idea that shapes our decisions every day. To learn more about Citi's Environmental, Social and Governance efforts read our full 2022 ESG Report.