Java Developer- Cards and Payments

Citi is looking for a Senior Software Engineer to join its Application Development and Engineering team, where you will design and deliver enterprise-grade solutions at the heart of the global cards and payments technology ecosystem. In this role, you will own technical delivery end to end, acting as a subject matter expert to senior stakeholders while shaping the systems that process transactions for millions of customers worldwide. You will bring 5-8 years of hands-on engineering experience to a high-performing team operating at global scale.

Responsibilities

• Design and build enterprise application enhancements by analysing existing systems, interpreting code, and applying scripting tools to deliver targeted, high-quality solutions.
• Develop software components against design specifications using core programming languages, ensuring applications are performant, scalable, and production-ready.
• Identify and remediate application vulnerabilities through structured security analysis, testing, and debugging across the full development lifecycle.
• Act as the primary technical authority for senior stakeholders and cross-functional teams, translating complex engineering challenges into clear, actionable recommendations.
• Mentor junior engineers and analysts, sharing technical knowledge to elevate team capability and accelerate delivery.
• Diagnose and resolve complex technical issues by drawing on accumulated engineering experience and established solution patterns to restore stability quickly.
• Assess technology decisions against risk and compliance standards, escalating control issues transparently to protect the integrity of Citi's platforms and clients.

Required qualifications & skills

• Degree in Engineering or Computer Science at graduate or postgraduate level.
• 5-8 years of hands-on experience designing and delivering enterprise applications in the cards and payments domain.
• Proficiency in at least one of the following technology stacks: Core Java (1.7+), J2EE, Spring Framework, Spring Boot, and RHEL OpenShift; or IBM z/OS, COBOL, JCL, CICS, VSAM, and DB2 in a SYSPLEX or CICSPLEX environment.
• Practical experience building microservices architectures and integrating API gateways, RESTful or SOAP web services, and Open APIs.
• Hands-on use of Git-based version control alongside CI/CD pipeline tooling and automated testing frameworks.
• Solid working experience in Agile development methodologies, with the ability to deliver consistently within iterative, fast-paced team environments.
• Demonstrated ability to performance-tune complex, high-volume enterprise transaction processing systems with a focus on reliability, scalability, and recovery.

Beneficial skills & qualifications

• Experience modernising mainframe applications and integrating legacy systems with event-driven, distributed, or cloud-native architectures.
• Exposure to messaging technologies such as Kafka or Solace, and databases including DB2, Oracle, and MongoDB.
• Practical experience embedding AI and prompt engineering tools into day-to-day engineering workflows.
• Familiarity with the cards and payments industry, including current trends in transaction processing and payment scheme evolution.
• Prior delivery experience within large Agile teams using Scrum methodology across geographically distributed organisations.

What we offer

At Citi, you will work on technology that operates at a scale few organisations can match, alongside engineers who take ownership of outcomes and hold themselves to a high standard of delivery. This is a role for someone who wants real impact, ongoing technical growth, and the autonomy to shape how global payments technology evolves.

• A hybrid working model with 3 days in the office and 2 days working remotely, giving you flexibility alongside meaningful team collaboration.
• Ownership of complex, high-stakes engineering challenges within one of the world's leading financial institutions.
• Access to continuous learning and technical development opportunities to keep your skills current as technology evolves.a
• Exposure to global teams and cross-regional projects, broadening both your technical and professional perspective.
• A performance-driven environment where your contributions are recognised and your career progression is actively supported.
• Wellbeing support and a range of financial benefits designed to provide long-term security and work-life balance.

Build the payments technology infrastructure that moves money for millions of people - apply now and bring your engineering expertise to Citi.

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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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