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Digital Payments & Client Experience Product… at Citi · New York
Skills
Job Description
Overview: Citi Wealth is a trusted advisor to some of the world’s most influential individuals and families. As part of Citi’s Global Wealth Management Group, we provide a comprehensive suite of products and services, including capital markets, managed investments, portfolio management, trust and estate planning, investment finance, and banking. Our select client base includes one‑third of the world’s billionaires, globally minded entrepreneurs who expect institutional‑grade service and benefit from Citi’s holistic approach to wealth management.
The payments landscape is rapidly evolving with initiatives such as cash management for entities, emerging payments for both entities and consumers, use of AI for various payment support services, online payment channels and workflow platforms, ISO 20022, and ongoing regulatory and industry-driven innovations. This role will focus on driving end to end payment flow design & implementation, across digital and assisted user experience, with key focus on process efficiencies, automation, fraud risk and controls. The Payments Product Manager will help drive strategic global product initiatives, provide subject‑matter expertise, support bankers & client experience, and advance digital channel development.
Key responsibilities include developing product plans, executing product strategies, meeting regulatory and industry requirements, and representing the product across regional and global forums. The role will involve detailed analysis of business processes, controls, governance, and end‑to‑end operations, while collaborating with the Front Office, Change Management, Control Functions, Technology, Operations, and other internal partners to deliver effective solutions.
The ideal candidate will have relevant product management experience and familiarity with banking and regulatory policies. Strong relationship‑building, influencing capabilities, and effective communication skills are essential. Ideal candidate brings a strong understanding of the wealth management continuum, deep expertise in deposits and money movement capabilities, and a proven ability to lead complex product rollout in a matrixed environment.
This is a hybrid role requiring a minimum of three days per week in the New York 601 Lexington office.
Key Responsibilities
- Manage day‑to‑day product activities, including delivery, client experience, and communication strategies, while helping the team prioritize, resolve obstacles, and achieve business goals.
- Define and implement product strategies by analyzing customer behavior, market trends, competitive practices, and product economics.
- Serve as the subject‑matter expert for client experience, control automation and servicing processes.
- Lead initiatives through the full project lifecycle, coordinating with cross‑functional teams and external partners.
- Manage product approvals, translate requirements into user stories, define acceptance criteria, oversee testing, and support post‑implementation activities.
- Provide recommendations based on regulatory changes, competitive dynamics, consumer insights, and market research.
- Conduct competitive analysis to identify opportunities for innovation, revenue growth, and improved client experience.
- Oversee initiative lifecycles and daily product support, including development and maintenance of procedures and training materials.
- Drive rapid resolution of issues that negatively impact client experience.
- Demonstrate strong self‑motivation, communication, decision‑making, and adaptability in an agile environment.
Knowledge & Experience
- Strong understanding of Wires (Domestic & FX), ACH, Internal Transfers
- Strong understanding of online payment processing and workflow platforms for assisted payment processing
- Deep expertise in designing and optimizing end-to-end client journeys, ensuring seamless and intuitive experiences across all touchpoints in a global context
- Proven experience supporting global bankers and their clients with comprehensive payment solutions, and a deep understanding of service payment processes
- Demonstrated experience in leading and contributing to digitization initiatives within financial services, particularly in payment channels across consumer and business entity clients
- Knowledge of the technical aspects of payment products, including fraud and control automation
- Interest in emerging payments technology, open banking infrastructure
- Familiarity with key payment networks (CHIPS, FED, SWIFT) and ISO 20022 standards.
- Strong knowledge of payment regulations, processing risks and control design
- Strong experience in leveraging AI and advanced analytics for process automation, fraud risk mitigation, and enhancing control environments
Skills
- Proven experience in product management and payments (required).
- Excellent interpersonal skills and ability to build strong cross‑functional relationships.
- Ability to work independently, manage multiple priorities, and meet deadlines.
- Strong planning, organizational, and execution skills.
- High attention to detail and accuracy.
- Strong presentation and communication skills.
Education:
- Bachelor’s degree/University degree or equivalent experience
- Master’s degree preferred
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Job Family Group:
Product Management and Development------------------------------------------------------
Job Family:
Product Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Primary Location:
New York New York United States------------------------------------------------------
Primary Location Full Time Salary Range:
$163,600.00 - $245,400.00
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.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
Anticipated Posting Close Date:
May 04, 2026------------------------------------------------------
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.
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