Equity Research Senior Associate - Payments, Processors & IT Services

Citi's Equity Research team is looking for a Senior Associate to support coverage of the Payments, Processors & IT Services sector, delivering high-quality investment insights that shape the decisions of equity investors across the globe. Based within a team recognized for its independence, objectivity, and analytical depth, you will play a meaningful role in producing research, engaging clients, and driving analytical excellence across one of the most dynamic areas in global markets. This is an opportunity to bring your equity research expertise to an environment where your work directly informs investment decisions and client relationships at a global scale. Responsibilities Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Citi Research focuses on delivering high quality investment insights to investors on a global basis with a high emphasis on independence and objectivity in its products and insights The unit produces regular written research, hosts investor meetings with company management teams, holds conference calls with industry consultants and regularly communicates with clients (both internal and external) Modeling: Maintaining & updating existing company models; creating new models; maintaining relative value sheets Research: Assist with the publication of earnings previews/recaps, initiation reports, deep dive notes as well other group products Communication: Assist with client inquiries and requests (internal and external) Events: Assist with coordination of investor meetings (management meeting & field trips) and conference calls with consultants 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. Required

& Skills 5- 8 years previous experience MBA or graduate degree and/or CFA preferred. Experience in Equity or Credit Research in relevant sector preferred Good knowledge of accounting and modelling Experience in supporting senior equity research analysts Excellent inter-personal and writing skills Attention to detail Secure and maintain applicable licenses Bachelor’s/University degree or equivalent experience What We Offer Opportunities to grow your career locally and collaborate with colleagues across Citi's global network. A hybrid working model that balances in-office collaboration with remote flexibility. Investment in your professional development through training programs, mentorship, and skill-building opportunities. Employee well-being support including medical coverage, mental health resources, parental leave, and family support programs. Competitive retirement contributions and investment options to support your long-term financial goals. Apply today and bring your equity research expertise to a global team where your analysis directly shapes the investment decisions of clients around the world. ------------------------------------------------------ Job Family Group: Research------------------------------------------------------ Job Family: Research Analysis------------------------------------------------------ Time Type: Full time------------------------------------------------------ Primary Location: New York New York United States------------------------------------------------------ Primary Location Full Time Salary Range: $150,000.00 - $175,000.00 In addition to salary, 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: Oct 06, 2026------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi. Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details. Illinois residents – AI Notice and Right ------------------------------------------------------ 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.