Agency and Trust Payments Analyst

This is an opportunity to launch your career in financial operations at Citi, one of the world's leading global banks, where you will play a hands-on role processing and settling client payment transactions within the Operations team. As a Payments Operations Analyst, you will ensure that client payment instructions are executed with precision — capturing accurate amounts, currencies, and beneficiary details to deliver reliable, timely outcomes for Citi's clients. This role is ideal for a recent graduate or early-career professional who is motivated to build a long-term career in banking operations.

Process client payment instructions accurately, verifying transaction amounts, currencies, and beneficiary details to ensure every settlement is completed correctly and on time. Verify and confirm trade bookings against established templates to maintain the accuracy of transaction records across the payments lifecycle. Complete daily settlement tasks and rate revaluations, ensuring all processing deadlines are consistently met. Coordinate with the relevant internal teams to resolve transaction processing queries, working collaboratively toward timely and effective solutions. Perform account reconciliations and maintain accurate records in line with regulatory and operational requirements. Prepare and submit periodic reports for both internal stakeholders and external regulatory bodies, contributing to the team's compliance obligations. Participate in General Ledger review exercises, supporting the accuracy and integrity of financial records. Identify and escalate potential operational or control issues transparently, contributing to a well-managed and compliant operating environment. Required Qualifications & Skills Bachelor's degree or equivalent qualification in Business, Accounting, Finance, or a related field. Exceptional attention to detail, with the ability to capture and process data such as payment amounts, currencies, and beneficiary information accurately under operational conditions. Basic to intermediate proficiency in English, both written and spoken, sufficient to operate in a professional banking environment. Foundational knowledge of financial or banking environments, whether gained through academic study, internships, or early work experience. Clear and concise communication skills, with the ability to coordinate effectively with colleagues across teams. Familiarity with AI-assisted productivity tools such as Microsoft Copilot, ChatGPT, or similar platforms, with a willingness to apply them in day-to-day work. Beneficial Skills & Qualifications Up to 2 years of experience in a banking, financial services, or operations role, though recent graduates with no prior experience are equally encouraged to apply. Basic understanding of treasury products, accounting principles, or regulatory frameworks applicable to financial institutions. Demonstrated interest in building a career within a global banking environment, with a proactive attitude toward learning and professional development.

Joining Citi's Operations team means stepping into a structured, performance-driven environment where your work has a direct impact on client outcomes from day one. We invest in the development of early-career professionals, providing the tools, exposure, and guidance needed to grow within one of the world's most prominent financial institutions. A clear career path within Citi's global banking operations, with the structure and support to grow from an entry-level role into a long-term professional trajectory. Hands-on learning from experienced colleagues in a collaborative team environment, giving you practical exposure to real banking operations from the start. Hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable balance between professional and personal commitments. Access to Citi's learning and development resources, including opportunities to deepen your