Payments Lead Analyst, EMEA - Citi

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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 Open Banking, Tokenization, ISO 20022, and ongoing regulatory, scheme and industry-driven innovations. This role will lead both new and existing payments initiatives, ensure compliance with mandates, and shape the broader domestic and cross-border payments strategy, including digital adoption and control enhancements.

The Payments Lead Analyst will support all payments products offered in our UAE & EMEA Wealth markets, drive strategic 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.
• Detailed analysis of business processes, controls, governance, and end-to-end operations, while collaborating with the Front Office, Digital platform owners, Change Management, Control Functions, Technology, Operations, and other internal partners to deliver effective solutions.
• Managing day-to-day product activities, including delivery, client experience, and communication strategies, while helping the team prioritize, resolve obstacles, and achieve business goals.
• Defining and implementing product strategies by analyzing customer behavior, market trends, competitive practices, and product economics.
• Serving as the subject-matter expert for client experience, product features, and servicing processes.
• Leading initiatives through the full project lifecycle, coordinating with cross-functional teams and external partners.
• Managing product approvals, translating requirements into user stories, defining acceptance criteria, overseeing testing, and supporting post-implementation activities.
• Providing recommendations based on regulatory changes, competitive dynamics, consumer insights, and market research.
• Conducting competitive analysis to identify opportunities for innovation, revenue growth, and improved client experience.
• Overseeing initiative lifecycles and daily product support, including development and maintenance of procedures and training materials.
• Driving rapid resolution of issues that negatively impact client experience.
• Demonstrating strong self-motivation, communication, decision-making, and adaptability in an agile environment.

Knowledge & Experience:

• 6-10 years of relevant and suitable work experience.
• Strong understanding of payments products and the broader payments marketplace.
• Knowledge of the technical aspects of payment products, rails and digital infrastructure.
• Interest in emerging payments technology, including the future of payments and open banking.
• Familiarity with key payment networks (CHAPS, BACS, Faster Payments, SEPA, NPSS, SWIFT) and ISO 20022 standards.
• Background in process and control design; experience in working with payment regulations and large-scale programs.
• Strong data analysis skills and exposure to AI-led transformation is an advantage.

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.

Benefits & Working Model:

By joining Citi London, you will be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), and receive a competitive base salary (annually reviewed), plus a range of benefits:

• Generous holiday allowance starting at 27 days plus bank holidays; increasing with tenure.
• A discretionary annual performance-related bonus.
• Private medical insurance packages to suit personal circumstances.
• Employee Assistance Program.
• Pension Plan.
• Paid Parental Leave.
• Special discounts for employees, family, and friends.
• Access to learning and development resources.

Citigroup is committed to ensuring our workplace is inclusive and supportive. Citi is an equal opportunity employer; qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to apply, review Accessibility at Citi.