Research Specialist

Citi; O’Fallon (MO); On-site; USD 44,000 - 57,000; Full time

Benefits offered by this job

Benefits package

Job summary

Citi in Ofallon, Missouri, is seeking a Research Specialist 5 to handle relatively complex tasks with minimal supervision. You will support payments, reconciliation inquiries, and risk-aware decision making to safeguard Citi and its clients, contributing to team objectives and service quality.

The role requires experience with numbers, problem solving for outages in large balance pools, and strong adherence to Citi policies. This full-time position offers a comprehensive benefits package.

Qualifications

• 2-4 years relevant experience.
• Experience with numbers and balance pools.

Responsibilities

• Respond to payment and reconciliation inquiries promptly.
• Process goodwill policy write-offs and troubleshoot POS issues for merchants and processors.
• Assist with training of new hires or team members.
• Make decisions with little assistance from lead or manager.
• Work under little to no direct supervision.
• Ensure quality and service of tasks or services and assess risk to safeguard Citi and its assets.

Education

High School diploma or equivalent

Job description

The Research Specialist 5 performs relatively complex assignments. Has direct impact on the business by ensuring the quality of the tasks or services provided. Works under little to no direct supervision. May service an expansive and/or diverse array of products/services. Applies working knowledge of technical and professional principles and concepts and in depth knowledge of team objectives. Understands how assigned duties contribute to the work of the team/unit and how the units coordinate their efforts and resources to achieve the objectives of the function. Ensures the quality and service of self and others. May recommend new options to enhance productivity in accordance with guidelines. Requires tact and diplomacy when exchanging complex or sensitive information with others. Is sensitive to audience diversity. Basic knowledge of the organization, the business and its policies required. Typically responsible for resolving basic to moderately complex problems based on practice and precedence. Able to assess applicability of similar experiences and evaluate options under circumstances not covered by procedures.

Responsibilities

• Supports the function by responding to payment and reconciliation inquiries in a timely matter.
• Utilizes judgment to process goodwill policy write-offs and have the ability to troubleshoot point of sale issues for merchants and processors.
• Assists with the training of new hires or team members.
• Make decisions with little assistance from lead or manager.
• Works under little to no direct supervision.
• May support an expansive and/or diverse array of products/services.
• Applies working knowledge of technical and professional principles and concepts and in depth knowledge of team objectives; and, impacts the business by ensuring the quality of the tasks or services provided.
• 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.

Qualifications

• 2-4 years relevant experience

Education

• High School diploma or equivalent

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Seeking candidates with experience working with numbers. Will be researching and correcting outages in large balance pools.

Job Grade: C05

Location: O'Fallon, MO (no other location offered)

Schedule: Monday through Friday, with start times between 7:00am and 8:00am for an 8 hour shift.

Eligibility: This position is eligible for our Home Office Program (HOP), offering the potential for remote work.

Job Family Group

Operations - Core

Job Family

Research & Investigation

Time Type

Full time

Primary Location

Ofallon Missouri United States

Primary Location Full Time Salary Range

$43,960.00 - $57,340.00

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.

Anticipated Posting Close Date: Aug 27, 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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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.

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