Citi India | Transaction Services - US Operations

Responsibilities

• The Operations Support Specialist 4 is a Retail Banking Operations & Process Analyst role responsible for executing, streamlining, and maintaining core retail banking Back-office transaction support, account lifecycle servicing, and operational workflow integrity.
• The analyst serves as a key liaison across upstream and downstream processing teams, Team leaders, managers, and internal/external stakeholders, leveraging strong domain knowledge of retail banking products, core banking systems, ledger accounting, AI governance, and automation tools to minimize operational risk and elevate efficiency.
• Review and post financial and non-financial accounting entries across retail banking General Ledger (GL) and Subledger accounts.
• Identify, research, and reconcile ledger/subledger breaks, balancing discrepancies, and transaction mismatches to ensure accurate financial reporting and audit readiness.
• Analyze daily transaction journals and system suspense accounts to verify proper fund allocation, interest calculations, fee adjustments, and postings.
• Drive process re-engineering and simplification initiatives to eliminate redundancies, reduce manual operational touchpoints, accelerate turnaround times, and mitigate human error.
• Prepare recurring and ad-hoc operational MIS reports, exception dashboards, and root-cause analysis summaries for management review.
• Drive proactive escalation and resolution tracking for critical high value transactions/account breaks, transaction bottlenecks, and service delivery roadblocks.
• Operating at the intersection of transaction processing, data control, and client account administration, the specialist ensures rigorous adherence to operational standards, documentation policies, and regulatory compliance.

Requirements

• Track record of managing operational data with complex spreadsheets and structured databases.
• Proven experience working with retail banking products, transaction processing, and customer account maintenance.
• Demonstrated hands-on capability in performing financial reconciliations, ledger posting verification, or discrepancy investigations.
• Strong analytical problem-solving to dissect complex financial data, conduct root-cause analysis on recurring breaks, and implement corrective operational controls.
• Strong verbal and written communication skills to interact seamlessly with upstream/downstream partners, operational leads, internal audit, and business stakeholders.
• Familiarity with AI governance standards, model risk controls, or participating in digital transformation projects.
• Knowledge of Automation Tools: Experience with or working knowledge of process automation tools (e.g., Power Automate, RPA platforms, Python, VBA, or low-code automation tools) is considered a strong added advantage.

Citi

Citi is the global bank of Citigroup Inc., one of the world's largest financial institutions, serving corporations, governments, institutions and individuals in about 160 countries and jurisdictions. Citigroup's shares trade on the New York Stock Exchange.

In India, where Citi has been present since 1902, the bank focuses on institutional banking, corporate and investment banking, markets and securities services, alongside large shared-services, technology and operations teams that support its businesses worldwide. Finance, controllership, risk, regulatory reporting, audit, treasury, taxation and compliance roles are regularly hired for across its India offices, and CA, CMA, CFA and MBA (Finance) profiles are common in them.

• Industry: Global banking and financial services
• Headquarters: New York, USA (Citigroup Inc.)
• In India: Operating in India since 1902, with institutional banking and markets businesses plus large technology, services and operations centres in cities including Mumbai, Pune, Chennai, Gurugram and Bengaluru