Your professional journey takes flight right here.
At Citi, we recognize the dedication and effort you’ve invested to reach this pivotal point. We are deeply committed to nurturing emerging talent, providing robust support for your growth and development from day one. Expect comprehensive on-the-job training, valuable interactions with senior leadership, and a blend of structured classroom sessions and dynamic virtual learning experiences designed to equip you for a successful career in commercial banking.
Interns and graduates are integral to Citi’s global operations, driving progress and innovation across our organization. From our headquarters in New York City to our offices around the world, you will contribute to meaningful projects that positively impact the communities we serve. As a leading global bank, Citi proudly delivers exceptional experiences for both our clients and employees throughout North America, encompassing the U.S., Puerto Rico, and Canada, and across the globe.
Are you ready to embark on this exciting career path? Explore our diverse offerings to discover the perfect fit for you, attend one of our upcoming events to gain firsthand insights into life at Citi, or search for current student and graduate opportunities. We eagerly anticipate welcoming you to our team.
Explore Early Career Opportunities in North America
Image alt text: Diverse group of young professionals collaborating in a modern office setting, representing Citi’s early career opportunities in North America.
In North America, Citi offers a range of early career programs across various business areas, providing impactful roles where you can make a real difference.
Pathways in Personal Banking and Wealth Management
-
U.S. Personal Banking
Join the U.S. Personal Banking (PB) team and become part of a global network serving millions of clients. Leverage cutting-edge technology, access industry-leading training, and unlock limitless opportunities to shape the future of global banking. This sector provides a strong foundation for understanding client relationships and financial services, essential skills for a future in commercial banking.
-
Citi Global Wealth
Work with a diverse clientele, from individuals building their wealth to the most affluent families, assisting them in achieving growth and progress through their businesses, investments, and philanthropic endeavors. Contribute to empowering our clients to shape their financial futures and gain valuable experience in wealth management, a complementary skill set for commercial banking professionals.
Functional Areas Essential to Banking Operations
-
Compliance
At Citi, compliance is everyone’s responsibility. As part of the Compliance team, you will play a crucial role in ensuring Citi effectively manages its compliance risks, both current and emerging. Your work will contribute to achieving optimal outcomes for our clients, stakeholders, and the bank as a whole, providing critical experience in regulatory frameworks relevant to commercial banking.
-
Finance
Citi’s Finance teams are the backbone of our financial stability and strategic planning. Joining Finance offers you the opportunity to contribute to enterprise-wide initiatives while specializing in areas such as financial planning, corporate strategy, and financial reporting. This experience is invaluable for understanding the financial underpinnings of commercial banking operations.
-
Human Resources
Recognizing that teamwork is fundamental to success, Citi’s Human Resources team plays a vital role in supporting our global workforce. A career in HR at Citi allows you to support diverse business units worldwide and develop your own professional skills in talent management, employee relations, and organizational development, skills that are transferable to leadership roles within commercial banking.
-
Internal Audit
Internal Audit provides independent assessments of Citi’s key business areas, ensuring accountability and transparency. This function offers a unique opportunity to develop expertise across the financial industry while gaining valuable experience and building a global professional network. Understanding internal controls and risk assessment is highly beneficial for a career in commercial banking.
-
Risk Management
Citi’s Risk Management division values strategic thinking and strong analytical capabilities. By fostering a diverse, collaborative, and high-performance culture, Risk Management plays a critical role in identifying, measuring, monitoring, and controlling risk across the organization. This is fundamental to ensuring Citi’s long-term stability and success in commercial banking and financial services.
-
Enterprise Services and Public Affairs (ESPA)
The ESPA team focuses on enhancing stakeholder perceptions and experiences of Citi. This team manages Citi’s reputation through stakeholder engagement and delivers exceptional workplace environments and services for colleagues and clients. Understanding stakeholder relations and corporate communication is advantageous in the client-facing world of commercial banking.
Technology Roles Powering the Future of Banking
Supporting a global financial institution like Citi requires a robust and innovative technology infrastructure. Technology roles at Citi offer the chance to contribute to cutting-edge projects, develop in-demand skills, and advance your career in the rapidly evolving fintech landscape.
-
Personal Banking & Wealth Management Technology
Join a team that views Citi as a technology-driven company with a banking license. Here, you will be at the forefront of the digital transformation of Personal Banking & Wealth Management globally, contributing to Citi’s mission to be the best for its clients through technological innovation. This area is increasingly important as commercial banking embraces digital solutions.
-
Enterprise Operations and Technology
Providing a solid technical and operational foundation is crucial for Citi’s daily operations and long-term growth objectives. Enterprise Operations and Technology roles are essential for maintaining the infrastructure that supports all aspects of Citi’s business, including commercial banking activities.
-
Institutional Clients Group (ICG) Technology
Be part of a team at the leading edge of financial technology innovation within the Institutional Clients Group. Develop expertise in software development and product support, contributing to the technological advancements that drive institutional banking and potentially impacting commercial banking services for larger clients.
-
Operations
Citi’s Operations division ensures the seamless flow of our business, enabling timely and accurate transactions in a fast-paced global environment. Operations teams partner with external clients, sales, trading, and internal departments to mitigate risk and deliver best-in-class post-execution service. Efficient operations are vital for the smooth functioning of commercial banking services.
Image alt text: Modern office space with city skyline view, symbolizing the global and dynamic environment of Citi’s Institutional Clients Group, relevant to commercial banking operations.
Institutional Clients Group: Opportunities in Commercial Banking and Beyond
The Institutional Clients Group (ICG) at Citi offers diverse and challenging opportunities, some of which directly relate to or support commercial banking activities, particularly in serving larger corporate clients.
-
Banking, Capital Markets and Advisory (BCMA)
Within BCMA, several teams provide services that are integral to commercial banking, especially when dealing with corporate clients and larger businesses.
-
Capital Markets
Gain hands-on experience on the Capital Markets team, assisting clients in raising capital for significant business initiatives. This area provides exposure to the financial instruments and strategies used by commercial banks to support corporate finance.
-
Corporate Banking
For a career with direct and visible impact, Corporate Banking offers the chance to deepen your industry knowledge and gain practical experience in a rewarding role. Corporate Banking is a core component of commercial banking, focusing on lending and financial services for businesses.
-
Investment Banking
In Investment Banking, you will be part of a team that influences industries and economies. While distinct from traditional commercial banking, investment banking skills and knowledge are increasingly valuable in providing comprehensive financial solutions to corporate clients who may also utilize commercial banking services.
-
Strategic Training for Experienced Professionals
Citi’s Strategic Training for Experienced Professionals Program within BCMA is designed to attract diverse talent from outside traditional finance backgrounds. This intensive five-month program offers a unique pathway into the financial industry, specifically BCMA, and upon completion, participants may join as Associates. This program highlights Citi’s commitment to diversity and inclusion within its broader banking operations.
-
Financial Resource Management (FRM)
The FRM team tackles complex challenges related to regulatory capital, liquidity management, and efficiency optimization to support the business strategies of Markets and Securities Services, and the broader ICG franchise. These are critical functions that underpin the stability and regulatory compliance of commercial banking operations.
-
In-Business Risk & Control (IBRC)
IBRC plays a crucial role in identifying, assessing, monitoring, and mitigating key risks within Citi’s Institutional Clients businesses, including lending, banking, and services organizations. This risk management function is essential for the sound operation of commercial banking and related services.
-
Leveraged Portfolio Group (LPG)
LPG is central to Citi’s credit approval and origination process for Leveraged Finance transactions and manages the ongoing credit monitoring of Citi’s Leveraged Finance Portfolio. This group’s work is directly relevant to the risk management and lending activities within commercial banking, particularly for larger corporate clients with complex financing needs.
-
-
Citi Commercial Bank
If you are passionate about client relationships and seeking a fulfilling career at Citi, our Commercial Bank provides the ideal platform. Develop your client management skills and become an integral part of a team dedicated to supporting our commercial clients. This division is the heart of Citi’s commercial banking operations, offering direct client interaction and the opportunity to build lasting business relationships.
-
Markets
If you possess a talent for simplifying complexity, our Markets team offers a challenging environment working with sophisticated financial products to serve a diverse range of organizations. This area provides diverse professional skill development and experience, with some aspects intersecting with commercial banking in serving corporate and institutional clients.
-
Commodities
Citi’s Commodities business is a leading global player within the Markets division. It involves trading and marketing commodities and derivatives in energy sectors. While specialized, understanding commodity markets can be relevant for commercial bankers dealing with clients in related industries.
-
Equity Research
Contribute expert analysis across various disciplines within Equity Research. This function supports informed investment decisions and provides market insights that can be valuable for understanding broader economic trends affecting commercial banking clients.
-
Public Finance
Public Finance investment bankers collaborate with government entities to raise capital for public projects. While focused on public sector finance, this area offers insights into municipal finance and government-related banking needs, which can be relevant to certain aspects of commercial banking.
-
Quantitative Analysis
Join industry-leading professionals in Quantitative Analysis, providing thought leadership on complex subjects and assisting traders and clients in pricing, hedging, and structuring securities. This analytical expertise is increasingly valuable in the data-driven world of modern commercial banking.
-
Sales & Trading
The Sales & Trading team works with sophisticated financial offerings to serve institutional clients seeking to enter and exit financial positions. This function is related to the market-facing activities that support commercial banking services for institutional clients.
-
Securities Services
Securities Services leverages Citi’s global strengths in execution, custody, clearing, and fund servicing to meet client needs. Efficient securities services are essential for the smooth functioning of financial markets and support various aspects of commercial banking operations.
-
Treasury and Trade Solutions
For a continuously challenging career, Treasury and Trade Solutions offers the opportunity to develop expertise in streamlining cash management, trade services, and finance solutions for global companies. These solutions are core offerings within commercial banking, particularly for businesses engaged in international trade.
-
-
Global Spread Products Financing and Securitization
Global Spread Products Financing & Securitization (GSP F&S) delivers innovative capital solutions to a wide array of clients across credit, municipal, and securitized markets. GSP F&S combines investment banking strategies with asset-based financial structuring and capital markets activities. This area provides exposure to complex financial solutions that may be relevant for commercial bankers dealing with sophisticated corporate financing needs.
“The program has provided me with in-depth experiences, a strong support system, ongoing mentorship, and targeted training sessions across a range of business areas within Citi to help me better understand the business and the culture.” – Casey, Analyst, Global Information Security
Why Choose Citi for Your Early Career?
Citi is consistently seeking exceptional talent, and we foster a culture of continuous learning and self-development. Expect to be challenged and grow every day – this is how we drive progress. We adopt a hands-on learning approach to support your professional evolution.
-
Experience
Learn through practical client work, in-depth analysis, and challenging assignments. Gain on-the-job experience and receive direct feedback from Citi experts as you refine your skills alongside your peers.
-
Exposure
Engage in open and honest interactions with leaders at all levels across Citi. From networking events to shadowing opportunities, you will have meaningful conversations and experiences each week, broadening your understanding of the banking industry and Citi’s diverse operations.
-
Education
Access a comprehensive suite of functional courses and e-learning modules to ensure you have the knowledge necessary for success. As you progress, a range of leadership programs and coaching opportunities will be available to support your continued development within commercial banking or other areas of finance.
Early Insight Programs: Your Gateway to Citi
Citi offers several entry points into our team in North America through specialized early insight programs:
-
Freshman Discovery Day
A two-day exploratory program designed to introduce freshman from diverse backgrounds to Citi’s culture and provide foundational knowledge of various programs across the firm. This is an excellent starting point for students interested in exploring career paths in finance, including commercial banking.
-
HBCU Symposium
A two-day symposium hosted at Citi’s Global Headquarters in New York City for undergraduate freshmen and sophomores from Historically Black Colleges and Universities (HBCUs). The Symposium offers an introductory experience focused on financial services, technical skill development, and career planning, encouraging diverse talent to consider careers in banking.
-
Early ID Leadership Program
An exclusive five-week virtual program focused on identifying, mentoring, and recruiting diverse talent. Participants are paired with mentors and gain access to virtual trainings, panels, and seminars led by Citi professionals. Program participants are also eligible for an expedited interview process for our summer analyst programs, providing a direct pathway to internships and future full-time roles.
-
Sophomore Leadership Program
The Sophomore Leadership Program offers exceptional sophomore students a ten-week summer internship in New York City. Interns receive training, mentorship, and exposure to different businesses within Citi’s Institutional Clients Group, providing valuable experience for those considering careers in institutional or commercial banking.
Community Involvement: Making a Difference Beyond Finance
At Citi, your contributions extend beyond client partnerships. You will have opportunities to give back and positively impact the communities where we live and work through volunteerism and corporate citizenship initiatives.
-
Citizenship
Citi is committed to honesty, prudence, and dependability for our clients, colleagues, and communities. Working at Citi provides daily opportunities to make meaningful contributions to society.
-
Environment
Citi is an industry leader in managing environmental and social risks. We actively work to create positive and significant change in our communities and promote sustainable practices within the financial industry.
-
Citi Foundation
The Citi Foundation is dedicated to promoting economic empowerment and financial inclusion for individuals with low-to-moderate incomes. Through your work at Citi, you will contribute to improving lives and fostering financial well-being in communities around the world.
-
Diversity
Citi is recognized as one of the most diverse companies globally. Our employees reflect the rich tapestry of cultures and perspectives of our clients across over 160 countries and jurisdictions. You will have the opportunity to join employee network chapters and affinity groups, fostering an inclusive and supportive workplace.
-
Global Community Day
Each year, Citi Volunteers participate in Global Community Day, engaging in projects in hundreds of cities worldwide. This annual event underscores Citi’s commitment to community engagement and social responsibility.
Through our core business and philanthropic efforts, we are committed to addressing some of society’s most pressing challenges – a principle embedded in our mission and guiding our decisions every day. To delve deeper into Citi’s Environmental, Social, and Governance initiatives, please read our full 2022 ESG Report.
Image alt text: Screenshot of Citi’s careers website search interface, encouraging users to explore internships and university programs.
If you are seeking an unparalleled experience to launch or advance your career in commercial banking or finance, explore our internships and university programs for analysts, associates, and graduates. What progress will you make at Citi?
