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

& 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. ------------------------------------------------------ Job Family Group: Technology------------------------------------------------------ Job Family: Applications Development------------------------------------------------------ Time Type: Full time------------------------------------------------------ Most Relevant Skills Please see the requirements listed above.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ 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.