The Applications Development Senior Manager – This role is Payments Technology is a senior management-level position responsible for leading and delivering technology solutions within the Payments domain. This role bridges deep functional knowledge of payment systems and processes with technology delivery oversight, ensuring that payment platforms are robust, compliant, and aligned with business strategy. The overall objective is to drive the design, delivery, and continuous improvement of payment applications and systems in coordination with Technology and Business stakeholders.
Responsibilities
Payments Domain Leadership
- Serve as the subject matter expert (SME) for payment systems, including but not limited to domestic and cross-border payment rails (SWIFT, ACH, SEPA, RTGS, Fedwire, CHIPS), payment messaging standards (ISO 20022, MT/MX), and payment lifecycle management
- Lead the end-to-end delivery of payment technology initiatives, from requirements gathering through implementation and post-production support
- Partner with business stakeholders to translate complex payment processing requirements into actionable technology solutions
- Provide oversight and guidance on payment system architecture, integration patterns, and data flows across upstream and downstream systems
Team & Delivery Management
- Manage one or more Applications Development teams focused on Payment’s technology, including conducting personnel duties such as performance evaluations, hiring decisions, and career development
- Drive delivery of payment technology projects, ensuring adherence to timelines, budgets, and quality standards
- Allocate resources effectively across projects and manage day-to-day team operations
- Facilitate Agile/Scrum ceremonies and ensure teams follow established SDLC processes
Technical & Functional Oversight
- Review and evaluate proposed technical solutions for payment system projects, ensuring alignment with enterprise architecture standards and payment industry best practices
- Provide functional oversight across payment processing systems, including transaction routing, settlement, reconciliation, and exception handling
- Assess and manage technology risk within the payments space, including fraud controls, regulatory compliance (e.g., PSD2, AML/KYC, OFAC screening), and data security
- Oversee integration of payment platforms with internal systems (e.g., core banking, GL, risk engines) and external networks (e.g., SWIFT, card networks, clearing houses)
Strategy & Stakeholder Engagement
- Contribute to the formulation of the Payments Technology roadmap, aligning technology capabilities with business growth objectives
- Engage with senior business and technology stakeholders to communicate project status, risks, and strategic recommendations
- Develop comprehensive knowledge of how payment operations, compliance, and technology areas integrate to accomplish business goals
- Negotiate with external vendors, payment networks, and technology partners as required
Risk, Controls & Compliance
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets
- Drive compliance with applicable laws, rules, and regulations governing payment systems, adhering to Policy and applying sound ethical judgment
- Ensure essential procedures are followed and contribute to defining standards for payment technology operations
- Escalate, manage, and report control issues with transparency; create accountability within the team for maintaining these standards
Required Qualifications
- 6–10 years of relevant experiencein Financial Services, with a strong focus onPayments technology or operations
- Deep functional knowledge ofpayment systems and rails, including one or more of: SWIFT, ACH, SEPA, RTGS, Fedwire, CHIPS, card payment networks, or real-time payment platforms (e.g., RTP, FedNow)
- Familiarity withpayment messaging standards, particularly ISO 20022 and SWIFT MT/MX message formats
- Experience managing technology delivery teams in asenior leadership or management capacity
- Strong understanding of theend-to-end payment lifecycle: initiation, processing, clearing, settlement, reconciliation, and exception management
- Knowledge ofregulatory and compliance frameworksrelevant to payments (e.g., PSD2, AML, OFAC, KYC, data privacy regulations)
- Demonstrated ability to engage and influencesenior business and technology stakeholders
- Provenproject and program managementskills, with experience delivering complex, multi-workstream technology initiatives
- Experience working inAgile/Scrum delivery environments
- Strong analytical and problem-solving skills with the ability to evaluate technical solutions from a functional and business perspective
- Consistently demonstrates clear and concise written and verbal communication skills
Preferred Qualifications
- Experience withcross-border and correspondent bankingpayment flows
- Familiarity withcore banking platformsand their integration with payment engines
- Exposure topayment fraud detection, sanctions screening, or AML technology platforms
- Understanding ofcloud-based payment infrastructureand modern API-based payment architectures
- Experience withvendor managementfor payment technology providers or third-party processors
- Knowledge ofemerging payment trendssuch as digital currencies, blockchain-based settlement, or open banking
Education
- Bachelor's degree / University degree in Finance, Business, Information Technology, or a related field, or equivalent experience
------------------------------------------------------
Job Family Group:
Technology
------------------------------------------------------
Job Family:
Applications Development
------------------------------------------------------
Time Type:
Full time
------------------------------------------------------
Most Relevant Skills
Please see the requirements listed above.
------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
------------------------------------------------------
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.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
