Payments Lead Analyst, EMEA

Overview:  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 to 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. The role will involve 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.

The ideal candidate will have relevant product management experience and familiarity with banking and regulatory policies. Strong relationship‑building, influencing capabilities, experience in leveraging AI to solve at scale and effective communication skills would be key

Key Responsibilities :

• Manage day‑to‑day product activities, including delivery, client experience, and communication strategies, while helping the team prioritize, resolve obstacles, and achieve business goals.
• Define and implement product strategies by analyzing customer behavior, market trends, competitive practices, and product economics.
• Serve as the subject‑matter expert for client experience, product features, and servicing processes.
• Lead initiatives through the full project lifecycle, coordinating with cross‑functional teams and external partners.
• Manage product approvals, translate requirements into user stories, define acceptance criteria, oversee testing, and support post‑implementation activities.
• Provide recommendations based on regulatory changes, competitive dynamics, consumer insights, and market research.
• Conduct competitive analysis to identify opportunities for innovation, revenue growth, and improved client experience.
• Oversee initiative lifecycles and daily product support, including development and maintenance of procedures and training materials.
• Drive rapid resolution of issues that negatively impact client experience.
• Demonstrate 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 are 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.

By joining Citi London, you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive base salary (which is annually reviewed), and enjoy a whole host of additional benefits such as:

• Generous holiday allowance starting at 27 days plus bank holidays; increasing with tenure

• A discretional annual performance related bonus

• Private medical insurance packages to suit your personal circumstances

• Employee Assistance Program

• Pension Plan

• Paid Parental Leave

• Special discounts for employees, family, and friends

• Access to an array of learning and development resources

Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.

Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.

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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.

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