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Senior Software Development Engineer – Settlements at Citi, Jersey City.
Lead AI-driven software solutions in finance while mentoring a high-performance team.
Discover your future at Citi
Working at Citi is far more than a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Overview: We are seeking a highly motivated and skilled Software Development Engineer to join our dynamic team. The ideal candidate will be passionate about building high-quality, scalable, and resilient software solutions, embracing modern development practices, and leveraging innovative technologies like Artificial Intelligence to drive efficiency and excellence. This role offers an exciting opportunity to contribute to cutting‑edge projects and collaborate with a talented group of engineers.
Key Responsibilities
- Partner with multiple management teams to ensure appropriate integration of functions to meet goals, as well as identify and define necessary system enhancements to deploy new products and process improvements.
- Resolve a variety of high-impact problems and projects through in-depth evaluation of complex business processes, system processes, and industry standards.
- Provide expertise and advanced knowledge of applications programming, ensuring application design adheres to the overall architecture blueprint.
- Utilize advanced knowledge of system flow to develop and enforce standards for coding, testing, debugging, and implementation — including modern practices such as TDD, BDD, and AI-assisted development.
- Develop comprehensive knowledge of how areas of business, such as architecture and infrastructure, integrate to accomplish business goals.
- Provide in-depth analysis with interpretive thinking to define issues and develop innovative solutions.
- Champion automation and forward-thinking engineering practices, providing strategic direction and actionable suggestions for productivity improvements across the development lifecycle.
- Serve as advisor and coach to mid-level developers and analysts, allocating work and fostering a culture of continuous learning and technical excellence.
- 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.
Experience
6 + years of relevant experience in applications development or systems analysis, with significant time in architectural roles.
Technical Stack
Architect‑level, hands‑on experience designing and implementing scalable, production‑grade solutions using Kotlin, Java, Python, Docker, MongoDB, ElasticSearch, AMQP, Kubernetes, and OpenShift , with a strong command of Reactive Programming principles.
Modern Development Practices
Proven experience applying TDD, BDD, CI/CD pipelines , and AI‑assisted development tools to improve code quality, test coverage, and delivery velocity.
AI & Automation
Forward‑thinking approach to leveraging AI/ML and automation to drive productivity improvements, intelligent system capabilities, and operational efficiency.
Financial Domain
Proven experience in the financial services domain with a specific focus on Settlements, including ATM transaction processing, reconciliation, and clearing workflows.
Troubleshooting
Demonstrated ability to rapidly investigate and resolve complex architectural defects, delivering robust and sustainable implementation solutions under pressure.
MOT Applications
Functional and technical expertise in MOT applications.
SME
Recognised Subject Matter Expert (SME) in at least one critical area of applications development.
Leadership
Demonstrated leadership and project management skills, with the ability to adjust priorities quickly as circumstances dictate.
Communication
Consistently demonstrates clear and concise written and verbal communication, able to convey complex technical concepts to both technical and non-technical stakeholders.
Education
Bachelor's degree/University degree in Computer Science, Software Engineering, or a related technical discipline. A Master's degree is advantageous.
Why Join Us?
You will be part of an innovative team that values technical excellence, continuous learning, and a collaborative work environment. We offer opportunities to work on challenging projects, utilize cutting‑edge technologies, and make a significant impact on our products and customers.
Job Family Group
Technology
Job Family
Applications Development
Time Type
Full time
Primary Location
Jersey City New Jersey United States
Primary Location Full Time Salary Range
$142,320.00 - $213,480.00
Citi’s offerings may also include, for eligible employees
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
Jun 15, 2026
Citi is an equal opportunity employer
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. Apply (opens in new window) Save