WHY O&T?

At the leading global financial services company, Operations & Technology (O&T) is seen as
a competitive differentiator.
Operations and Technology is key to Citis continued success and growth strategy. As such,
we continue to enhance our operations capability, improve efficiency to handle high volume
processing in a cost effective and controlled manner, while retaining the flexibility to meet
customized client requirements,
As I am launching a global product that services global fund managers, Ive had to liaise
frequently with my counterparts in London and New York, as well as clients in Australia.
This job has really helped me understand how to interact with other parts of the bank, clients
and third parties.

Citi serves customers across segments ranging from large multinational to local Companies,
HNI Customers to retail segments. On the Institutional client group side we offer integrated
Treasury and Trade Solutions (TTS) and Securities and Fund Services (SFS) to local and
multinational corporations, financial institutions and the public sector. We are pioneers in
Trade Solutions with a significant market share and process more than 1 Million transactions
every year. In Cash Management Services, Citi command a considerable market share of
collections and payments throughputs with more than $ 2 Bn of physical cash handled across
363 locations annually. We are market leaders in SFS with 30% of FII flows. Capital Market
operations gives you an insight into the world of highly complex and regulated products
ranging from FX, Derivatives, Equities, Fixed Income, Structured products and so on.
Citi's Consumer Bank offers a range of financial products and services to meet the needs of
individuals and small organizations. Products offered include Retail Banking, Cards, Loans,
NRI Banking and Commercial Banking. Citi has been a pioneer and innovator in consumer
banking in India, and continues to be a market leader in many segments. We provide services
to our clients through state of art phone banking platform (CitiPhone) and handle more than
14 million customer calls every year.
It's our job to get things done, and we do it exceptionally well. Come, join our team of 2000+
employees. We work with all transactions and all customer touch points, so we're incredibly
diverse. We work with the other parts of Citi to execute every service to the best of our
abilities inspiring excellence in the efficiencies we provide.

Transaction Services Operations

Operations Lead - If you lead trade operations, you will manage the trade transactions for
institutional clients, retail client and commercial banking clients at a branch level. If you
manage clearing, the role entails processing of cheque instruments ( including cheques
deposited by Citi customers, cheques received for debit to Citi customers from other banks &
cheque returns). The role also involves a high degree of interface with clearing units of other
banks and RBI / clearing houses. In cash management, you will manage daily operations of
the Cash Operations desk as per the bank's operating policies within committed TATs and
customer service standards.
Securities and Funds Services

Account Manager - Implements new clients Interface with clients for custody, fund
accounting and PMC transactions

Operations in Charge - Settlements of client trades, asset servicing of portfolio, FX

operations of fund flow and NAV computation of MFs and insurance companies

Capital Market Operations

Treasury Operations Officer - You would be required to manage the operations activities
related to Treasury Products - ensure a seamless operation's delivery platform for the
Treasury Businesses of the Citi, through timely and zero-defect transaction processing in the
Unit
Consumer Operations and Credit Initiation
1. Credit Initiation Manager - You would be responsible for credit underwriting of personal
loan applications. This would involve constant updates on market dynamics, strong interpersonal & people management skills, customer orientation and Good analytical &
communication skills.
2. Credit Operations Officer - The officers would be involved in authorizations of loans
approved by the credit initiation team. System knowledge, strong analytical skills, quick
learning and communication are important.
3. Cards Operations:

You could be in merchant operations, managing daily disbursement of merchant

payments across the country for all settled transactions.

In Interchange, you would manage daily settlement of credit card and debit card
transactions through associations and support business with technology upgradation to
adopt new regulatory changes. If you are part of dispute Management, you would
manage resolution of client and merchant disputes and safeguarding their interests.

As a channel manager, you will be responsible for end-to-end underwriting of

applications pertaining to the respective channels. If you are a merchant and prepaid
account manager, you will be managing the critical function of new merchant account
opening and issuance of cards which requires high agility given zero tolerance on

delays and errors. You can choose to be a part of the client servicing and controls
team, serving client needs with regard to queries, card renewals and reissuance.
4. Payments Processing - Within the payment processing unit, you could ensure payment
applications are processed as per requirements. Or as a part of account reconciliation and
proofing, you to take on the challenging role of reconciliation of accounts and proofing, given
the multiple payment sources, high volume of transactions and a very controlled accounting
framework. You could liaise with various units and identify process leakages in the query
management team.
Customer Care Unit
Operations Lead If you manage escalations, you would handle and respond to customer
complaints escalated to the regulatory body to ensure proper investigation and resolution. If
you are part of our regulatory team, you would liaise with business seniors to effectively
handle any regulatory cases or issues that arise.
Risk & Controls

Our Information Security Team ensures information security compliance and

governance across business units within Citi

As part of the Credit Risk Management Team, you would be required to ensure
administration of credit lines in compliance with credit policy and regulatory
guidelines

Our Independent Control Team conducts periodic reviews of outstanding financial

status which assists in the doing a health check of the balance sheet. You will be the
eyes and arms of senior management in ensuring a risk-free operating environment
through in-depth analysis and providing continuous support for Balance Sheet Control
items

As part of the Country CoB (Continuity of Business) team, you would be a one-stopshop for all CoB related matters and drive implementation of new regional and incountry initiatives on CoB

Technology
Technology provides the tools of our trades, keeps our fingers on the pulse of the global
markets, helps us communicate and collaborate across the world- and makes everything
work. Technology is the key to having a competitive advantage and its becoming more
influential in our success every year. Our IT capability is divided in two main functions:
Infrastructure, which concentrates on the hardware that links people to information across the
world, and Development, which creates and maintains software applications that support
business users.
Our technologists do some incredible work. We offer one of the best technology platforms in
the financial industry supporting a diversified range of financial products. We operate Citi's
WAN and LAN telecommunications and provide voice, e-mail, Internet, data processing and
desktop services in more than 100 countries. We operate the state of art command centers,
customer service centers, security control devices, gateways for remote access.

Project Management - A large part of the role would entail managing delivery of new systems
and enhancements to existing business applications. If you are part of our institutional clients
group technology function your domain would cover Core banking, Cash Management, Trade
Solutions, Treasury Solutions, Securities and Funds Services, Risk, Finance, Reporting and
Workflow platforms. As part of consumer banking group, your domain would cover Core
banking, Credit cards platform, Wealth Management, Mortgage, Internet & Mobile Solutions,
Front end channels like ATM, POS, IVR and Workflow platforms
"Redefine Banking ","Path-breaking Technology ", "Transform ", "Innovate ". If these are
what you are looking for in a career, welcome to Technology @ Citi. Continuing with our
tradition of innovation (we invented the ATM'!!!) we are now into leveraging and extending
technology to provide "Smart Banking " to our Customers .Along the way have built state of
the art global platforms and award winning websites which help serve our Consumer and
Corporate Customers around the world 24*7. In today's world , Banking is Technology and a
role with us will provide you with an exposure to all facets of Banking Operations, Sales,
Marketing, Product, Risk, Credit, etc.

Citi, being a global bank present in over 140 countries, offers the kind of opportunities for
geographical mobility that few other organizations can offer.
As an MA joining Citi, you get cross-functional exposure to all facets of banking, ranging
from Operations and Technology to Transactional Services. Your two years as a Management
Associate will consist of rotational stints across the various divisions of Citi, thus giving you
an all-rounded experience in the financial world

Officer-in-charge: As an OIC in different business verticals, you would lead operations

officers, manage & own operations including transaction processing, customer issues and
service concerns. You would be required to lead process changes and implement them to
ensure there is constant monitoring and control over exception. You will be a key contributor
in identifying areas of Turn Around Time improvement, cost reduction, risk management and
re-engineer processes to facilitate enhanced customer delivery as well as higher productivity.
Projects: You could join any of our business verticals and lead key projects to brings
significant improvement to productivity, customer service and bottom-line of the business.
The project would involve change or revamp of organizational structure, business process
workflow, job description, performance measurement or adoption of information technology.
If client experience is in your DNA, this is the place for you. We strive to deliver the highest
standards on client servicing and operational effectiveness. Given the wide gamut of products
and services we offer, there are a large number of opportunities to learn and explore. This is
an ideal place for young minds to grow and develop into seasoned bankers with a learning
curve that is sans bound. If you are looking at an enriching rewarding career option, this is
where you stop looking further.
Technology: Technology provides the tools of our trades, keeps our fingers on the pulse of
the global markets, helps us communicate and collaborate across the world - And makes
everything work. Technology is the key to having a competitive advantage and its becoming
more influential in our success every year. Our IT capability is divided in two main functions:
Infrastructure, which concentrates on the hardware that links people to information across the
world and development, which creates and maintains software applications that supports
business users.
Our technologists do some incredible work. We offer one of the best technology platforms in
the financial industry supporting a diversified range of financial products. We operate Citi's
WAN and LAN telecommunications and provide voice, e-mail, internet , data processing and
desktop services in more than 100 countries. We also provide specific functions such as the
operation of command and customer service centers, security controls devices, gateways for
remote access and host and server systems.
"Redefine Banking Division", "Disruptive Technology", "Transform", "Innovate". If these are
what you are looking for in a career, welcome to Technology@Citi. Continuing with our
tradition of innovation (we invented the ATM!!!) we are now into leveraging and extending
technology to provide "Smart Banking Division" to our Customers. Along the way have built
state of the art global platforms and award winning websites which help serve our Consumer
and Corporate Customers around the world 24X7. In today's world, Banking is Technology
and a role with us will provide you with an exposure to all facets of Banking - Operations,
Sales, Marketing, Product, Risk, Credit, etc.
Currently, Citigroup, the owner of Citibank India, is the largest foreign direct investor in
financial services in India with a total capital commitment of approximately US$4 Billion in
its onshore banking and financial services business and its principal and alternate investment
programmes.

It operates 44 full-service Citibank branches in 31 cities and over 700 ATMs across the
country.

Many constituents reacted in many ways to Prime Minister Narendra

Modi's currency demonetisation'. Citi's Asia Pacific CEO Francisco
Aristeguieta says the move opens up new opportunities as digital
transactions accelerate in the region. In an interview with ET's MC
Govardhana Rangan and Saloni Shukla, he says Citi would expand in India
without more branches, thanks to the digital explosion. Edited excerpts:
For someone like you to land in India and suddenly see a wh ..
Read more at:
http://economictimes.indiatimes.com/articleshow/55843175.cms?
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