Early-Career Opportunities

in Asia-Pacific (APAC)

What progress will you make?

With trading desks in over 80 countries, you can easily
watch one market open while another one closes.

What progress will you make?

 CONTENTS
02
Welcome

03
Global Banking
Opportunities

04
Programs, Placements &
Internship Opportunities

“We engage in a very

different way with our
05
Learning and
employees, asking them to Development
really take ownership and be

06
vocal about their careers.”
Michael L. Corbat, Citigroup CEO
Global Citizenship

07
Locations

08
Application Process

09
Application Tips

Citi is more than a global financial
services company. It’s an engine
for enabling economic growth and
progress. Join us and you’ll have the
chance to get involved in progress in
all its shapes and forms, right across
the world. From the micro to the
macro, from New Zealand to China,
the work we do has a real positive
impact.
2 WELCOME | oncampus.citi.com
What progress
will you make?
This is a place where the best come
to get better. We’ve built a world-
famous, trusted brand over 200 years
across corporate, investment, private,
commercial, and consumer banking.
But it’s our unwavering focus on
delivering opportunities for growth
and development to our most talented
people that is best known within the
industry. Here, opportunities to progress
are truly open to all. It all adds up to
an exciting place to be for talented,
ambitious people who want to build a
truly remarkable career.
This brochure will give you an overview
of the range of intern and graduate
opportunities at Citi, with a particular
focus on our businesses in the Asia-
Pacific region. Since 1902, Citi has been
present in Asia, with operations across
16 markets. In Asia-Pacific, in 2016 Citi
reported $13.8 billion in revenues and
net income of $3.4 billion. Revenues are
split roughly 50/50 between Institutional
and Consumer, reflecting a balanced
product mix along with the geographic
balance.
To find out more about our global roles
and to apply, visit oncampus.citi.com.
What area of business
ICG in APAC offers opportunities in
Corporate and Investment Banking,
Markets and Securities Services,

will you impact? Treasury and Trade Solutions, Citi Private

Bank, and Capital Markets Origination.

Global Banking Opportunities OPERATIONS AND TECHNOLOGY

You’ll find graduates and interns
throughout Citi. They help us make
progress happen, working across a
broad range of business divisions
in all of our regions – Asia-Pacific,
EMEA (Europe, Middle East, and
Africa), North America, and Latin
America. On these pages, you’ll find
a summary of the APAC business
areas you could join.
GLOBAL CONSUMER BANK
Citi’s Global Consumer Bank (GCB)
serves more than 100 million clients
across the world. Our elite teams work
at the forefront of technology, providing
best-in-class solutions to consumers and
small business. Powered by innovative
minds, we continually seek to go far
beyond expectations, consistently
enhancing lives and the way people bank,
to shape the future of global banking.
You’ll find GCB strategically positioned
in the world’s top cities with the highest
consumer banking growth potential, and
across all four of our global regions. We
have five primary business lines: Branded
and Retail Services, Retail Banking
and Wealth Management, Mortgage,
Credit Cards, and Commercial Banking.
Together, these account for 4,000
branches, $320 billion in deposits, $285
billion in loans, and $145 billion in assets
under management. In fact, GCB is the
leading credit card issuer in the world,
with more than $145 billion in receivables
across branded and private label cards.
GLOBAL FUNCTIONS
Behind our businesses around the world,
you’ll find specialized support groups
and businesses focused on providing
information and critical thinking to
ensure long-term growth and efficient
operations. There are opportunities
within Human Resources, Finance, and
Risk, depending on your locations.
INSTITUTIONAL CLIENTS GROUP
Home to a remarkable team of
talented professionals from around
the world, Citi’s Institutional Clients
Group (ICG) comprises an unparalleled
international network of financial skills
and capabilities. Our mission is to help
top corporations, financial institutions,
and governments meet and exceed their
goals. To help them, we provide local and
global insights, strategy, and solutions.
Citi puts a strong emphasis on
technology, employing 110,000 people
across 102 countries. At the core of
the business is building technologies
and using the latest technology stack
to drive improved business processes
for our clients. There is a wide range
of technology used to support the
backbone of our business – for example,
setting up clusters of Hadoop & Hive to
manage big data and utilizing the latest
front-end technologies like HTML5/CSS3
with Angular JS (and others) to enable
cutting-edge user interface.
Citi also makes significant investments
in mobile technologies – iPhone, Android,
and to a small extent, Windows Phone.
For back-end, there are opportunities
to dive into Java and .NET and build
systems to manage huge data volumes
with grid computing and server
optimization techniques. If you are
interested in the quantitative side of
things and want to write algorithms
to pick up trade signals, then there is
a strong presence of Quants across
all asset classes (Commodities, FX,
Equities) where code is written in C. On
the creative end of things, there are
opportunities to focus on user interface
and experience design.
For full details on all of our programs,
please visit oncampus.citi.com

“Citi invests in young talent and supports growth

and development, grooming Citi employees
to become the next generation of leaders in
the industry. If you’re looking for an exciting
career path that pushes you to your limits and
requires you to embrace the changing banking
environment through innovation and strong
analytical thinking, Citi is the place for you.”
Mohammed, Risk Analyst – Global Industries & Regional Credit

Actor Portrayal

3 OPPORTUNITIES | oncampus.citi.com
What opportunities
will you discover?
Programs, Placements, and Internship Opportunities
At Citi, we’re interested in connecting
with the most talented and ambitious
people, irrespective of what stage of
their studies they’ve reached. So here,
alongside the more traditional graduate
programs for Associates and Analysts,
you’ll find internship opportunities that
enable you to learn more about us during
your studies – and challenge yourself at
the same time.
Here’s a quick look at the types of
programs available in Asia-Pacific:
FULL-TIME UNDERGRADUATE/
MASTER’S PROGRAM (ANALYST)
Our Analysts are bright, accomplished,
and highly motivated people with
outstanding communication skills and
a true passion for business. If you are
in your last year of undergraduate or
Master’s degree study, consider our Full-
Time Analyst Program. The combination
of in-depth training, mentorship
opportunities, and interaction with clients
and senior management will help launch
you on your career path as an Analyst.
4 PROGRAMS AND INTERNSHIPS | oncampus.citi.com
FULL-TIME MBA PROGRAM
(MBA OR PHD – ASSOCIATE)
Our Full-Time Associate Program is
designed for those in their last year
of an MBA, JD or PhD program with
significant work experiences. We’re
looking for candidates with wide-
ranging backgrounds and interests to
complement the diverse talents of our
outstanding Associates. Our intensive
training program is run by some of
the best minds in the business, and is
combined with real-world experience
and senior executive exposure. It’s the
perfect launch pad for a successful
career at Citi.
SUMMER INTERNSHIPS
One of the primary ways in which we
identify the very best talent is through
internships. These are paid programs
aimed at penultimate-year students
(although if you’re in a different year,
don’t worry too much – we don’t like
to turn away exceptional candidates).
Internships generally run for 9—12 weeks
over the summer, with some countries
offering opportunities at other times
of the year. You’ll be exposed to a
mixture of training, social events, and
professional experience. At the end of
the internship, we offer the best people a
full-time role, starting after graduation.
Internships are available for analysts
(undergraduate and Master’s students)
and associates (MBA/PhD students).
PLACEMENTS
Our placements are long term and can
range between 6 and 12 months. The
scope of work and training is similar to
that of our internship program, where
you will be exposed to a mixture of
training, social events, and professional
experience. Placement opportunities and
length are driven by university course
and accreditation requirements. Please
check with your university on available
placement opportunities.
For a full list of available opportunities
across the APAC region, please see our
website oncampus.citi.com
 “I am surrounded by people committed to bringing about a new future.
All you need to be successful at Citi is a willingness to work hard and help the
What will you achieve with
constant improvement
and growth?
Learning & Development
But from now on, your learning will
be less focused on the classroom. We
employ a holistic approach to graduate
development – one that combines
extensive on-the-job training with
structured classroom and virtual
learning. This also allows you to gain
invaluable insights from a network of
talent throughout the organization.
THE 70:20:10 MODEL
We base our learning and development
on the 70:20:10 model. While training is
an absolute necessity for developing a
base of knowledge, only 10% of what we
learn in the workplace directly comes
from training. The rest comes from
learning from others (20%) and primarily
learning on the job (70%).
On-the-job experience
(learning by doing)
70% • Tasks and projects
• Stretch assignments
• Shadowing
• Teaching others
5 LEARNING & DEVELOPMENT | oncampus.citi.com
team learn to do things they haven’t done before.”
Marilyn, Director, Product Management – Technical for Global Digital & Cloud Technology
So, in one of our programs, high-quality,
award-winning training will give you a
strong base. But we’ll also help you build
your network – enabling you to learn
directly from some of our best people.
And on top of this, we’ll provide you with
the support you need to learn on the
job from the day you join your desk –
whatever your background. Citi is both
complex and diverse, so the details of
each program will vary, but all programs
and placements are centered on the
70:20:10 approach.
Further information on individual
graduate programs can be found at
oncampus.citi.com
Learning from others
(relationships and exposure)
20% • On-the-desk learning
• Networking opportunities
10%
• Mentoring
• Buddy program
Actor Portrayal
Learning is a journey that doesn’t
stop at graduation. At Citi,
continuous self-development is
integral to our culture. We’ll expect
you to continue to challenge and
stretch yourself throughout your
entire career with us. After all, that’s
how you make progress.
RECOGNITION
Join us as a student or graduate and
you’ll take part in immersive and
carefully designed programs that lead
our employees to become recognized as
some of the best in the business. Some
of our recent awards include:
Consumer Bank of the Year, Asian Investor
Asset Management Awards
Best Bank in Asia, Euromoney Awards for
Excellence Asia
Best Transaction Bank, The Asset, Treasury,
Trade and Risk Management Awards
Best Private Bank in Southeast Asia,
WealthBriefing Asia Awards
Best Foreign Commercial Bank,
FinanceAsia Country Achievement Awards
Best Foreign Investment Bank, FinanceAsia
Country Achievement Awards
Through education
(classroom and self‑directed)
• Cross-business technical training
• Professional skills training
• Online Learning Portal
• Ongoing development opportunities

“Use the opportunity to always learn how things
function. Curiosity and the willingness to learn are
the greatest attributes of all successful people.”
Vinaya, Director, Operational Risk
What positive impact
will you have?
Global Citizenship
Partnering for success is not just for
clients. We inhabit many environments
and do business in thousands of
communities around the world.
CITIZENSHIP
Being a responsible global citizen means
engaging in business conduct that is
transparent, prudent, and dependable.
Our approach to citizenship is based on
our commitment to responsible finance.
We aim to be systemically responsible,
ensuring that we always act only in ways
that are in the best interests of our
clients, and that our actions are always
designed to create economic value.
ENVIRONMENT
We lead the industry when it comes to
managing the environmental and social
risks of our activities and in lessening our
environmental impact. We’re investing
$50 billion in renewable energy and
efficiency projects over the next 10 years
– and as a graduate, you can expect to
be involved.
6 GLOBAL CITIZENSHIP | oncampus.citi.com
Actor Portrayal
COMMUNITY
We’re also committed to inclusion. We
put the full force of our businesses,
resources, products, and people
into making sure that people and
communities that are often excluded
from mainstream financial services get
the access they need.
THE CITI FOUNDATION
The Citi Foundation supports the
economic empowerment and financial
inclusion of people with low to moderate
incomes in communities where Citi
operates. The Foundation has four
policy areas:
Through Financial Capability and Asset
Building, we increase the number of
people who adopt positive financial
behaviors and accumulate and preserve
financial assets. Using Microfinance, we
increase the use of financial products,
supplied by microfinance institutions,
that are designed to improve and
accelerate the financial inclusion of
individuals. Enterprise Development
helps to drive up the number of micro
or small enterprises – each providing
new income generation or employment
opportunities for individuals. Finally,
Youth Economic Opportunities
works with young people aged 13-25,
helping them generate income through
high-quality, living-wage jobs or
entrepreneurship pursuits.
We aim to give young people competitive
skills and access to financial and other
resources, through a combination
of education, livelihoods, vocational
skills training, and entrepreneurship
preparation.
Find out more about the Citi Foundation
at oncampus.citi.com
DIVERSITY
We’re committed to inclusion internally,
too. To join Citi is to become a member of
one of the most diverse companies in the
world – we have been compared to a mini
United Nations. And not all our people
work from financial hub cities. In fact,
over 98% of our 260,000 employees
work locally, in over 100 different
countries.
Citi actively benefits from a workforce
with different backgrounds,
perspectives, and ideas. To support
that diversity, we have over 40 global
diversity networks, plus a host of Citi
Clubs to engage you physically and
mentally. Then there are lifestyle
management services and health care,
mentoring, training, and development
programs.
CITI WOMEN
Women are a powerful force for
economic growth – not just in our own
business, but in industries, sectors, and
geographies worldwide. Citi Women
runs two best-in-class programs: Women
Leading Citi, which targets MDs, and
the Women’s Leadership Development
Program, which targets high-potential
director-level females.
Worldwide, we have over 80 networks
and councils supporting and representing
tens of thousands of women. Our annual
International Women’s Day celebration
hosted 236 client and employee
programs in 177 cities and 89 countries
in 2014 alone.
Citi Women also gives back to
communities, from supporting female
veterans and spouses of military families
to helping women invest in women in
economies all over the world.
International
Careers
Opportunities close to home.
Opportunities around the world.

In Asia-Pacific today, Citi provides more services in

more markets for more clients than any other financial
institution. You’ll find more than 50,000 employees
across 15 markets, working together to make us a
regional leader. This brochure focuses specifically on
our APAC graduate programs. However, you can discover
complete details of all our opportunities, including those
within Asia-Pacific, EMEA, Latin America, and North
America, at oncampus.citi.com

Interested in opportunities
Asia Pacific
We have a physical presence in: outside APAC?
Learn about other opportunities at
Australia Japan South Korea oncampus.citi.com
Bangladesh Macau Sri Lanka
China Malaysia Taiwan NAM (North America)
Hong Kong New Zealand Thailand campus.applications@citi.com
India Philippines Vietnam LATAM (Latin America)
Indonesia Singapore campus.applications@citi.com
EMEA (Europe, Middle East, Africa)
For any APAC campus inquiries, please email campus.applications@citi.com
apac.graduate.recruitment@citi.com

7 LOCATIONS | oncampus.citi.com
Where will your first
step take you?
Our Application Process
We’re not just looking for talent – we’re
looking for the very best talent. So, to
help you stand out from the crowd,
we’ve designed an application process
that’ll give you every chance to sell
yourself.
You should consider this an overview;
you’ll find everything you need to know
about our recruitment and application
process, including hints and useful tips,
at our global graduate application hub.
We only accept applications received
through this website. Find out more at
oncampus.citi.com
MEET US ON CAMPUS
Although these events aren’t technically
part of the process, they are a great
opportunity to meet us face to face and
find out what we’re looking for. It’s your
chance to begin to build your network.
8 APPLICATION PROCESS | oncampus.citi.com
1. Submit CV
Submit your
REGISTER application online
Before you apply for any program,
register your details first. Once your
application is stored, you’ll be able to
update it as many times as you wish
before you make your final submission.
APPLICATION AND INTERVIEW 2. Interviews
The interview process is not just about By telephone or in person
getting to know you. It’s your chance to
get to know us, too. You’ll meet plenty of
Citi people throughout the process, and
you should get a good insight into the
culture we are proud of. We also want
you to walk away with a firm idea of what
the job entails so there are no surprises 3. Assessment
if you commence your career with us. Face-to-face at our centre
The precise application and interview
process varies between programs.
Individual vacancy event details can be
found at oncampus.citi.com. Generally,
applications are reviewed on a rolling
basis, and interviews will commence in
mid-September, so ensure you apply as
early as you can to stand the best chance
4. Success
of success. We send you an offer
 “Ask questions about the role or the team that
demonstrates you have a genuine interest. Think about
topics you can speak to and ensure you are confident
about your knowledge of those subjects.”
James, Campus Recruiter

Actor Portrayal

We’ll help you stand out

from the crowd.
Hints and Tips

Before you begin the application process,
here are some hints and tips.
1. CREATE A GREAT APPLICATION
We’re looking for a clear, well-
presented snapshot of you and all your
achievements so far, both academic and
extracurricular. It should present your
qualifications, skills, and attributes to us
in a way that shows us how suitable you
are for the role. But it should also give us
an insight into what makes you unique.
Don’t keep it to yourself. Get plenty of
people to check over it: friends, family,
career counsellors – and ideally anyone
you know who already works in our
industry. Accuracy is important, and a
simple automatic spellcheck is often not
good enough.
2. DON’T BE LATE
Our recruitment process is competitive
and applications are reviewed on a
rolling basis, so apply early to ensure
the greatest chance of success. APAC
recruitment interviews may commence
as early as September; we highly
recommend early application to our
summer programs.
3. MEET US
If you can make it to one of our on-
campus events, you’ll get an invaluable
insight into life at Citi, our different
business areas, and your perfect role.
After all, the best way to get a feel for
an employer is to speak to someone who
works there.
Please visit oncampus.citi.com for our
campus events details
4. DO OUR PERSONALITIES
MATCH?
We look for people who relish early
responsibility and who tend to get bored
if they’re not being challenged. An
excellent academic record is important,
but so is your potential – your capacity
to learn, your ethical orientation, your
engagement with Citi, and your ability
to work in an inclusive and diverse
environment. You should have an affinity
for teamwork and a tendency to take the
initiative. You’ll be the kind of person
who questions the status quo, assumes
responsibility, and shows a willingness to
drive things forward. Above all, you have
to want to make a positive difference.
5. CHECK THE WEBSITE
It’s packed with information about
us and our business, the application
process, and our programs. Check the
FAQs section at careers.citigroup.com/
Careers/index/#/faq and research
the business area you would ideally like
to work in. Ask yourself why you want
to work there – we’ll want to hear that
answer too.
Timelines for certain countries such as
Australia and India may differ. Please
contact your local campus team for
further information.
You’ll find more detailed help and advice
at oncampus.citi.com

9 HINTS AND TIPS | oncampus.citi.com

 oncampus.citi.com
/citicareers /citicareers /citi /citi /citicareers

© 2017 Citibank, N.A. All rights reserved. Citi and Arc Design is a trademark and service mark of Citigroup Inc., used and registered throughout the world.
All other trademarks are property of their respective owners. Citigroup Inc. is an equal opportunity employer M/F/D/V.