Microservices Digital Software Engineer (Citi Retail Services)

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments, and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

As a bank with a brain and a soul, Citi creates economic value that is systemically responsible and in our clients' best interests. As a financial institution that touches every region of the world and every sector that shapes your daily life, our Enterprise Operations & Technology teams are charged with a mission that rivals any large tech company. Our technology solutions are the foundations of everything we do from keeping the bank safe, managing global resources, and providing the technical tools our workers need to be successful to designing our digital architecture and ensuring our platforms provide a first-class customer experience. We reimagine client and partner experiences to deliver excellence through secure, reliable, and efficient services.

Our commitment to diversity includes a workforce that represents the clients we serve from all walks of life, backgrounds, and origins. We foster an environment where the best people want to work. We value and demand respect for others, promote individuals based on merit, and ensure opportunities for personal development are widely available to all. Ideal candidates are innovators with well-rounded backgrounds who bring their authentic selves to work and complement our culture of delivering results with pride. If you are a problem solver who seeks passion in your work, come join us. We'll enable growth and progress together.

About the Team:

The Microservices Digital Software Engineer – Citi Retail Services is a seasoned engineering leader who brings both the depth of a hands-on technologist and the vision of a strategic architect to one of Citi's most consequential transformation programs. This is a role defined by duality: the ability to operate with precision within a complex, high-performance current-state environment while simultaneously charting the course toward a Next Generation target architecture. The ideal candidate does not simply maintain what exists — they elevate it, challenge it, and lead the charge toward what's possible. At Citi Retail Services, this individual will be a trusted technical voice in shaping how modern Microservices, containerized applications, and hybrid cloud solutions come together to power financial products that serve millions of customers.

The successful candidate will bring 8+ years of infrastructure management and software engineering experience and will operate at the intersection of technical execution and organizational influence. They will collaborate with cross-functional engineering squads, business partners, and technology leaders to drive the design, delivery, and evolution of enterprise-grade platforms — bridging the gap between today's production systems and tomorrow's cloud-native architecture. Their contributions will be felt across the application lifecycle, from system design and architectural trade-off analysis to performance engineering in high-throughput Java environments.

This is an opportunity to leave a lasting mark on Citi Retail Services' technology landscape. The engineer who thrives here will be someone who treats architecture as a craft, infrastructure as a strategic asset, and transformation as a shared mission — bringing technical excellence, collaborative leadership, and an unwavering commitment to innovation to everything they build.

Responsibilities:

• Accountable for executing and driving mid-size feature application design and development efforts to completion, serving as a development lead on medium-scale projects and supporting the execution of larger efforts.

• Proficient at operating with considerable autonomy and discretion as you will significantly influence the way an application is designed and developed by providing subject specific expertise and an advanced level of understanding of application programming principles.

• Sought after due to ability to analyze and troubleshoot coding, application performance and design challenges.

• Capable of research in root cause of development and performance concerns as well as the resolution of defects.

• Have a deep understanding of the technical requirements for the solutions being built.

• Understand engineering needs including those required to build, maintain, and operate the system through all phases of its life.

• Proficient in information modeling, data structures and algorithms.

• Understand maintenance characteristics, runtime properties and dependencies that exist in support of your system's software. These dependencies will include but not limited to: hardware, platform, operating system, performance and load requirements, as well as contingencies with upstream and downstream systems.

• Demonstrate an advanced understanding of supported main system flows and possess a comprehensive understanding of how the system and others (i.e. architecture or infrastructure) collectively integrate to contribute towards achieving business objectives. Using this expertise, assist with the development of standards for coding, testing, debugging and implementation. This will ensure application design adheres to the overall architecture blueprint.

• Participate in design discussions as a Development Lead and as such will play the part of a key decision maker in driving design decisions. This is evidenced by your knowledge of the application code details and your experience with the technology and teams engaged.

• Work with limited guidance, seeking guidance only as needed as the development and delivery strategy is defined; the design is not.

• Exhibit the ability to turn complex application design into a well written application.

• Partner with industry vendors that provide technology or user experience design components that support our Digital architecture and work with vendors on our implementation plans and roadmaps identifying partnership opportunities to increase our development velocity and our learnings.

• Participates in the full development life cycle, identify dependencies between agile and waterfall delivery, working within broadly defined parameters, including test plan execution and software quality needs.

• Directly impact the business by influencing strategic functional decisions through advice, counsel or provided services. This will require persuading and influencing others through strong and comprehensive communication and diplomacy skills.

• Communicate progress, anticipate bottlenecks, provide escalation management, identify, assess, track and mitigate issues/risks at multiple levels.

• Recognize discordant views and take part in constructive dialog to resolve them.

• Work across teams to optimize processes.

• Regularly review metrics and proactively seek out new and improved mechanisms for visibility ensuring your program stays aligned with organization objectives.

• Continuously assess development processes, test plans, and operations.

• Work with teams to improve concurrent project delivery.

• Streamline and/or eliminate excess process in any area of architecture, build, delivery, production operations environment, or business area where the same efforts (or issues) are repeated year-over-year.

• Share knowledge with the team in various forums (brown bags, engineering forums etc.) and demonstrate a higher level of knowledge through industry certifications.

• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Qualifications:

• 5+ years of hands-on experience in infrastructure management and software engineering, with a demonstrated track record of delivering high-performance, production-grade applications at enterprise scale.

• Strong analytical and quantitative skills; data driven and results-oriented, with the ability to evaluate complex technical trade-offs and translate findings into clear engineering decisions.

• Proven experience delivering software within an agile methodology, including sprint planning, retrospectives, and iterative feature releases within large cross-functional engineering teams.

• Deep expertise in high-performance computing using Java, with experience designing and optimizing enterprise-grade, multi-threaded, and distributed applications in a Microservices architecture.

• Demonstrated hands-on experience designing, implementing, and evolving Microservices-based architectures, with a strong grasp of application design patterns, service decomposition strategies, and API contract management.

• Proven experience executing technology stack modernization or Next Generation platform transformation initiatives, including assessing current-state architecture, defining target-state blueprints, and driving migration execution.

• Hands-on experience with cloud platforms such as AWS (EC2, S3, Lambda, RDS, EKS) or Microsoft Azure (AKS, Functions, Cosmos DB), with demonstrated ability to architect and deploy scalable, cloud-native solutions in hybrid cloud environments.

• Proficiency in programming languages including Java, Python 3.10+, or TypeScript, with deep experience building and maintaining enterprise-grade, high-throughput applications at scale.

• Experience with containerization and orchestration tools such as Docker and Kubernetes (OpenShift or Amazon EKS preferred), including designing, deploying, and troubleshooting containerized applications in production hybrid cloud environments.

• Experience with integration technologies such as TIBCO, Apache Kafka, or MuleSoft, including designing event-driven and message-based architectures for high-volume, mission-critical financial services platforms.

• Strong knowledge of CI/CD tools including Jenkins, GitLab CI/CD, GitHub Actions, or ArgoCD, with experience automating build, test, and deployment workflows at scale across large engineering teams.

• Proficiency with relational and NoSQL databases such as PostgreSQL, MongoDB, Oracle, or Redis, including performance tuning, schema design, and data modeling for high-throughput transactional systems.

• Experience implementing monitoring and observability solutions using Prometheus, Grafana, ELK Stack, or Splunk, with a focus on ensuring system reliability, SLA adherence, and uptime in production environments.

• Experience conducting architectural trade-off analysis using structured models (e.g., ATAM, ADRs), with the ability to evaluate competing design approaches and recommend solutions that balance performance, cost, and maintainability.

• Skilled at working with third-party service providers and technology vendors to align implementation plans with strategic technology roadmaps.

• Excellent written and oral communication skills, with the ability to articulate complex technical concepts clearly to both engineering peers and non-technical stakeholders.

Education:

Bachelor's/University degree or equivalent experience

------------------------------------------------------

Job Family Group:

Technology

------------------------------------------------------

Job Family:

Digital Software Engineering

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Irving Texas United States

------------------------------------------------------

Primary Location Full Time Salary Range:

$107,120.00 - $160,680.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

------------------------------------------------------

Most Relevant Skills

Please see the requirements listed above.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Anticipated Posting Close Date:

Oct 08, 2026

------------------------------------------------------

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

------------------------------------------------------

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.