Job Description

Payments Products is a part of the Services Organization at Citi. We enable our clients to pay and receive payments globally to support their commercial and treasury needs. This role is part of the Domestic Payments team in North America (NAM) directly covering Banking as a Service (BaaS) products including the Account Manager Suite (AMS) solution.

As a BaaS Product Lead, the individual will be responsible for leading the development and management of BaaS products with a focus on the Account Manager Suite (AMS) solution and providing cross-functional support for other initiatives with the BaaS team. This role demands a mix of product expertise, strategic thinking, and a collaborative mindset to deliver high-quality, compliant solutions in a dynamic environment.

Successful candidates will be comfortable evolving into a Subject Matter Expert on for the AMS solution and associated capabilities, working closely with key stakeholders across the global organization and other Citi lines of business, Sales, functional partners (Compliance, Risk, Controls, AML, Sanctions) and clients to commercialize, grow revenue and help drive an optimal user experience. The VP will drive product strategy and positioning, sales and client enablement, and product and P&L management while also being heavily involved in the product development process. The successful candidate will also drive progress on key Control and Compliance initiatives to strengthen the risk management of the product offering.

Responsibilities:

The BaaS Product Lead must successfully undertake and navigate each of the following responsibilities:

Product Management and Development:

• Work with NAM Head to set the strategic vision and multi-year product roadmap in tandem with Global Product and functional partners, including continued support and/or build out of the AMS offering under the US Transformation Book of Work
• Collaborate with Technology and other partners to drive forward-looking infrastructure planning to support growth at scale for the AMS offering.
• Align with other Citi businesses that utilize the AMS product offering for consistency in management of State regulations and other requirements as needed.
• Support for BaaS Initiatives: Act as a backup within the NAM BaaS team, stepping into lead or support key projects as needed.

Commercialization:

• Act as a senior conduit for client / industry trends, market challenges, product development and client needs, both inbound and outbound.
• Communicate the BaaS strategic roadmap and value proposition clearly through meetings with clients, sales and coverage teams, partners and other industry participants as applicable.
• Collaborate with sales, Implementation and Service to build out client pipeline and help ensure wins are smoothly implemented.

P&L Management:

• Build out and manage P&L to deliver Revenue, Expense and Net Income Plan that maximizes profitability and enables growth for both BaaS & LMS
• Create annual financial plan and manage re-forecasting of targets in partnership with Finance. Conduct or participate in monthly and quarterly financial reviews.
• Optimize the pricing framework and price points for BaaS product.

Governance / Risk and Controls:

• Collaborate with all Risk & Control functions, New Activity Committee (NAC), and other individuals as needed to maintain a pristine risk and control environment.
• Ensure a strong controls environment by optimizing risk/reward trade-off and adhering to all applicable laws and Citi policies in collaboration with Risk, Control, and Compliance partners.

Qualifications:

• Bachelor's/University degree, Master's degree preferred
• 6+ years of related experience
• Direct experience in end-to-end project delivery, preferably in product development, and knowledge of various analytical tools
• Generation of reports and presentations for management
• Ability to create business analysis, troubleshoot data quality issues, and conduct exploratory and descriptive analysis of business datasets
• Project Management skills with experience leading large cross functional initiatives
• Familiarity with product development methodologies
• Intellectual curiosity, analytical and conceptual thinker
• Proactively seeks and develops new opportunities
• Attention to detail and process/analytic mindset
• Ability to structure and break down problems, develop solutions, and to drive to results
• Ability to collaborate and clearly communicate with team members of an organization

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

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Job Family Group:

Product Management and Development

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Job Family:

Product Management

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Time Type:

Full time

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Primary Location:

New York New York United States

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Primary Location Full Time Salary Range:

$129,840.00 - $194,760.00

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.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

May 15, 2026

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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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