Engineering Lead - Payments Sanctions Platform

Citi; New York (NY); Hybrid; USD 141,000 - 212,000; Full time

Job summary

Citi is seeking an Engineering Lead for the Payments Sanctions Platform in a hybrid, U.S. role. You will architect and deliver AI-powered, real-time sanctions screening across high-volume payments, mentoring engineers and partnering with compliance and product teams.

You will guide the evolution of microservices, event-driven pipelines, and scalable architectures while ensuring regulatory alignment and system resilience for Citi's global customers.

Qualifications

• 10+ years of hands-on software engineering experience in enterprise-grade payments or financial crime systems.
• Proven SME in Java applications with Spring Boot/Spring Cloud in sanctions or payments domains.
• Strong background in designing, building, and maintaining large distributed systems.
• Experience with microservices architectures, event-driven patterns, and real-time screening.
• Familiarity with CI/CD, monitoring, and observability tooling in regulated environments.

Responsibilities

• Lead integration of sanctions screening functions and real-time transaction workflows.
• Define architecture direction for resilient, AI-powered microservices.
• Mentor engineers and influence technical decisions across teams.
• Collaborate with compliance, product, and stakeholders to translate requirements into design.
• Ensure regulatory compliance and risk-awareness in platform decisions.
• Design and implement high-throughput, event-driven pipelines (e.g., Kafka).

Skills

Java

Spring Boot

Spring Cloud

Reactive

Microservices

Kafka

CI/CD

PostgreSQL

NoSQL

Copilot

Observability

Education

Bachelor's degree

Master's degree preferred

Job description

Engineering Lead – Payments Sanctions Platform

Location(s):

Tampa, Florida, United States, Irving, Texas, United States

Job Type:

Hybrid

Posted:

Sep. 28, 2026

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of approximately 219,000 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

About Citi:

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments, and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management.

As a bank with a brain and a soul, Citi creates economic value that is systemically responsible and in our clients' best interests. As a financial institution that touches every region of the world and every sector that shapes your daily life, our Enterprise Operations & Technology teams are charged with a mission that rivals any large tech company. Our technology solutions are the foundations of everything we do from keeping the bank safe, managing global resources, and providing the technical tools our workers need to be successful to designing our digital architecture and ensuring our platforms provide a first-class customer experience. We reimagine client and partner experiences to deliver excellence through secure, reliable, and efficient services.

Our commitment to diversity includes a workforce that represents the clients we serve from all walks of life, backgrounds, and origins. We foster an environment where the best people want to work. We value and demand respect for others, promote individuals based on merit, and ensure opportunities for personal development are widely available to all. Ideal candidates are innovators with well‑rounded backgrounds who bring their authentic selves to work and complement our culture of delivering results with pride. If you are a problem solver who seeks passion in your work, come join us. We'll enable growth and progress together.

About the Team:

The Engineering Lead – Payments Sanctions Platform is a senior-level individual contributor and technical architect trusted to define the architectural direction of Citi's sanctions screening infrastructure within the payments ecosystem at one of the world's most consequential financial institutions.

This is not a role for those content with maintaining the status quo. The ideal candidate brings a rare combination of deep technical mastery and systems‑level thinking — someone who can architect resilient, AI‑powered microservices that power real‑time sanctions screening across high‑volume payment transactions, and translate that work into meaningful outcomes for Citi's clients, regulators, and partners across the globe. As a senior technical leader on the Payments Sanctions Platform team, this professional will be at the forefront of Citi's compliance technology evolution, shaping platforms that are not only performant and secure, but self‑healing, intelligent, and built to withstand the highest regulatory scrutiny.

In this role, the successful candidate will operate at the intersection of deep technical expertise and informal leadership — collaborating with cross‑functional teams, compliance and sanctions officers, product owners, and senior stakeholders to deliver solutions that are as accurate as they are resilient. They will drive the adoption of cutting‑edge methodologies, mentor and advise engineers across the team, and ensure every technical decision reflects Citi's unwavering commitment to regulatory compliance, resilience, and client trust. This is an opportunity to build something that matters — at a scale few institutions can offer, while remaining hands‑on with the architecture and technology itself.

Responsibilities:

• Lead integration of functions to meet goals, deploy new sanctions screening capabilities, and enhance real‑time transaction screening workflows
• Analyze complex business processes, system processes, and sanctions/regulatory standards (e.g., OFAC, EU, UN, and other applicable sanctions lists; watchlist screening protocols) to define and develop solutions to high‑level problems
• Serve as the senior technical expert on sanctions platform architecture, providing advanced technical guidance on assignments involving large budgets, cross‑functional projects, or multiple concurrent initiatives within the payments sanctions domain
• Develop application methodologies and architectural standards for program analysis, design, coding, testing, debugging, and implementation of sanctions screening capabilities
• Apply advanced knowledge of core system flows and comprehensive knowledge of multiple platform areas to achieve technology goals across the sanctions screening platform
• Consult with compliance officers, sanctions/AML teams, and business stakeholders to identify system function specifications and incorporate them into overall system design
• Allocate work and act as a technical advisor/coach to developers, analysts, and new team members, without formal people‑management responsibility
• Influence and negotiate with senior leaders, compliance stakeholders, and external parties on technical direction and architectural decisions
• 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
• Resilient Microservices Architecture: Design and build fault‑tolerant, loosely coupled microservices using patterns like circuit breakers, bulkheads, and active‑active replication to ensure 99.99% continuous availability for mission‑critical, real‑time sanctions screening of payment transactions
• AI‑Driven Self‑Healing & False‑Positive Reduction: Integrate AI/ML models for predictive scaling, real‑time anomaly detection, automated self‑healing, and intelligent false‑positive reduction in watchlist screening matches, proactively mitigating system failures and screening inefficiencies
• Event‑Driven Screening Pipelines: Develop high‑throughput, event‑driven architectures (e.g., using Apache Kafka) that seamlessly ingest and screen payment/transaction data against sanctions watchlists in real time, without compromising core service availability or introducing screening delays
• Sanctions Regulatory & Operational Risk: Ensure platform design and engineering practices support compliance with applicable sanctions regulations and standards (e.g., OFAC, EU, UN sanctions regimes), as well as broader payments regulations such as PCI‑DSS and AML/KYC transaction monitoring

Qualifications:

• 10+ years of hands‑on software engineering experience, with a strong track record of individual technical contribution in enterprise‑grade payments, sanctions screening, or financial crime compliance systems
• Demonstrated Subject Matter Expert (SME) in applications development using Java technologies, including Spring Boot, Spring Cloud, and reactive programming frameworks, applied within payments or sanctions/compliance screening platforms
• Proficiency in programming languages including Java, Python, with deep hands‑on experience designing, building, and maintaining enterprise‑scale sanctions screening or payments platforms across complex distributed systems
• Experience designing and implementing resilient microservices architectures using patterns such as circuit breakers, bulkheads, and active‑active replication to achieve continuous, high‑availability performance for mission‑critical, real‑time screening workloads
• Experience with event‑driven and message‑based architectures using Apache Kafka or equivalent platforms, including the design and operation of high‑throughput, real‑time transaction screening data pipelines
• Working knowledge of sanctions screening concepts, including watchlist matching engines, fuzzy‑matching/false‑positive reduction techniques, and applicable sanctions regimes (e.g., OFAC, EU, UN)
• Understanding of the payments processing lifecycle (authorization, clearing, settlement, reconciliation) and how sanctions screening integrates into that flow, along with associated risk, fraud, and compliance considerations
• Strong knowledge of CI/CD tools including Jenkins, GitLab CI/CD, GitHub Actions, with experience automating build, test, and deployment workflows in regulated payments or compliance environments
• Proficiency with relational and NoSQL databases such as PostgreSQL, MongoDB, Oracle, or Redis, including performance tuning, query optimization, and schema design for high‑volume transactional and screening data
• Demonstrated experience leveraging Artificial Intelligence tools and technologies — including GitHub Copilot, Claude, or Devin — to accelerate development, improve code quality, and enhance engineering productivity
• Experience implementing monitoring and observability solutions using Prometheus, Grafana, ELK Stack, or Splunk to ensure system reliability, performance visibility, and rapid incident response for sanctions platforms with strict SLA requirements
• Strong systems analysis skills, with the ability to translate complex sanctions/compliance business requirements and regulatory constraints into scalable software solutions
• Demonstrated ability to informally lead, mentor, and advise engineers on technical best practices, architecture decisions, and career growth, without direct people‑management responsibility
• Familiarity with sanctions and payments industry regulations and standards (e.g., OFAC, EU/UN sanctions regimes, PCI‑DSS, AML/KYC transaction monitoring) is a plus
• Relationship and consensus‑building skills, with experience influencing technical outcomes across compliance, sanctions/AML, risk, and operations stakeholders

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

Job Family Group:

Technology

Job Family:

Applications Development

Time Type:

Full time

Primary Location:

Tampa Florida United States

Primary Location Full Time Salary Range:

$141,440.00 - $212,160.00

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 05, 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.

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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.

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