Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments, and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

As a bank with a brain and a soul, Citi creates economic value that is systemically responsible and in our clients’ best interests. As a financial institution that touches every region of the world and every sector that shapes your daily life, our Enterprise Operations & Technology teams are charged with a mission that rivals any large tech company. Our technology solutions are the foundations of everything we do from keeping the bank safe, managing global resources, and providing the technical tools our workers need to be successful to designing our digital architecture and ensuring our platforms provide a first-class customer experience. We reimagine client and partner experiences to deliver excellence through secure, reliable, and efficient services.

Our commitment to diversity includes a workforce that represents the clients we serve from all walks of life, backgrounds, and origins. We foster an environment where the best people want to work. We value and demand respect for others, promote individuals based on merit, and ensure opportunities for personal development are widely available to all. Ideal candidates are innovators with well-rounded backgrounds who bring their authentic selves to work and complement our culture of delivering results with pride. If you are a problem solver who seeks passion in your work, come join us. We’ll enable growth and progress together.

We are seeking a highly experienced and strategic Business Analyst / Product Owner with a strong background in financial services Risk & Compliance, coupled with a deep understanding of Generative AI capabilities. The ideal candidate will bridge the gap between business needs and technology solutions, particularly in areas involving enterprise data, identity and access management, and cybersecurity. This role demands an individual who can effectively engage stakeholders, influence decision-making, articulate complex technical concepts to non-technical audiences, and work seamlessly with technology teams to drive priorities and deliver innovative solutions, often in an Agile environment. As a Product Owner, you will be responsible for defining the vision, roadmap, and features for products, ensuring alignment with business goals and delivering maximum value.

Responsibilities

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• Strategic Problem Solving & Product Ownership: Analyze complex business problems within Risk & Compliance in the financial services industry and identify opportunities for leveraging Generative AI, enterprise data and services, and existing applications/workflows to develop innovative solutions. Define product vision, strategy, and roadmap, ensuring alignment with business objectives.

• Generative AI Application: Evaluate, propose, and articulate the business value of Generative AI solutions (e.g., for intelligent document processing, compliance checks, risk assessments, fraud detection, synthetic data generation) to address specific business needs and drive efficiency.

• Domain Expertise & Requirements Gathering: Apply extensive knowledge of financial services Risk & Compliance to gather, analyze, and document detailed business requirements, functional specifications, and user stories.

• Enterprise Data & Services: Work with enterprise data architects and service owners to understand data availability, lineage, and service capabilities, ensuring solutions are integrated effectively and leverage existing assets.

• Identity & Access Management (IAM): Collaborate with IAM and security teams to define requirements for secure authentication, authorization, and access controls within new and existing applications and workflows.

• Business, Technology & Cybersecurity Alignment: Act as a liaison between business units, technology teams, and cybersecurity experts, translating business requirements into technical specifications and ensuring proposed solutions adhere to security standards and technological feasibility.

• Stakeholder Engagement & Influence: Proactively engage with a diverse range of stakeholders, including senior leadership, business users, product owners, and technical teams, to build consensus, manage expectations, and effectively influence decisions.

• Agile Product Management: Serve as the Product Owner for one or more Agile development teams, managing the product backlog, writing user stories, defining acceptance criteria, and prioritizing features to maximize business value.

• Forward Thinking & Prioritization: Continuously monitor industry trends, emerging technologies (especially in AI and FinTech), and regulatory changes to identify future opportunities and challenges, driving the prioritization of strategic initiatives and product development.

• Workflow & Application Optimization: Analyze existing business processes and application workflows, identifying areas for improvement, automation, and re-engineering to enhance efficiency and compliance through technology.

• Collaboration with Technology Teams: Partner closely with developers, architects, and quality assurance teams throughout the software development lifecycle, providing clarity on requirements, resolving ambiguities, and ensuring solutions meet business objectives.

• Documentation & Communication: Create clear, concise, and comprehensive documentation, including business cases, functional specifications, process flows, and training materials. Effectively communicate complex information to both technical and non-technical audiences.

Required Qualifications:

• 6+ years of experience as a Business Analyst, Solution Architect, or Product Owner, with a significant portion within the financial services industry.

• Demonstrable domain expertise in Risk & Compliance within financial services (e.g., regulatory reporting, AML, KYC, market risk, credit risk, operational risk).

• Proven experience with Generative AI concepts, applications, and their potential impact on business processes; experience in translating AI capabilities into business requirements.

• Solid understanding of enterprise data architectures, data governance, and service-oriented architectures.

• Experience with Identity and Access Management (IAM) principles and their application in enterprise systems.

• Extensive experience working in Agile environments (Scrum, Kanban) with a deep understanding of Agile principles and ceremonies.

• Proven experience as a Product Owner, including managing product backlogs, writing user stories, and defining acceptance criteria.

• Exceptional analytical, problem-solving, and critical thinking skills.

• Excellent communication, negotiation, and interpersonal skills, with a proven ability to engage and influence stakeholders at all levels.

• Ability to work effectively with diverse technology teams (e.g., developers, QA, architects, cybersecurity).

• Proactive, self-motivated, and forward-thinking with a strong ability to drive initiatives from conception to delivery.

Education:

• Bachelor's or Master's degree in Business Administration, Finance, Computer Science, Information Systems, or a related field.

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Job Family Group:

Technology

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Job Family:

Business Analysis / Client Services

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

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.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Sep 03, 2026

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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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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.