Head of Consumer Digital Technology

• Define and execute a comprehensive global consumer digital technology strategy, covering Cards, Retail Banking (North America), and Wealth Management (International), that measurably increases digital customer acquisition, engagement, and product growth to foster Multi-Relationship Customers (MRC)
• Drive continuous innovation and digital transformation across all consumer channels, leveraging cutting-to-edge technologies to create best-in-class customer experiences, including the strategic integration of Artificial Intelligence (AI) to enhance consumer interactions, provide predictive insights, and personalize offerings
• Lead, inspire, and grow a diverse global engineering organization of 1000+ technologists, fostering a culture of technical excellence, agility, and continuous improvement
• Collaborate closely with product, marketing, compliance, and other business partners to ensure that digital strategies, campaigns, targeting, pricing, and offer designs align with the overarching strategic vision and desired portfolio economics to optimize acquisitions and retention
• Work in close partnership with the Cards CIO and the Wealth CIO to ensure alignment and leverage expertise across these critical business lines
• Partner with business leaders to define the vision, mission, and focus for digital products that address the key needs of our customers across Cards, Retail Banking, and Wealth Management
• Set clear objectives, key results, and metrics to measure the success of new customer acquisitions, product development, and experiences delivered across the consumer digital ecosystem
• Drive new acquisitions and product usage to encourage customers to leverage Citi as a multi-relationship channel for their financial needs
• Partner closely with various lines of business to fully align on overall strategy and prioritization in accordance with evolving P&L priorities and regulatory requirements
• Identify needs, validate pain points, and determine high-level value propositions/business cases for implementing innovative, relevant, and cost-effective technology solutions
• Deploy advanced techniques such as hypothesis development, current state analysis, data analytics, AI/ML, and business case development to establish near-term and long-term technology priorities
• Develop, in consultation with Engineering and Architecture teams, an approach to assess the productivity and value impact of new and emerging technologies, and lead implementation plans to drive successful adoption of these technologies across the consumer digital landscape
• Champion an inclusive and diverse global mindset, attracting a deep and diverse talent pool within the organization
• Approach projects holistically by translating the global vision into detailed technology roadmaps, leading cross-functional teams (1000+ engineers) through ownership and delivery of end-to-end solutions for all Consumer Digital channels
• Lead the execution of key technology initiatives by forming collaborative partnerships with colleagues across businesses and functional areas globally
• Partner with product teams to streamline and eliminate customer pain points, delivering easy and intuitive digital customer experiences across Cards, Retail Banking, and Wealth
• Maintain a high level of interaction and synergy with business, operations, design, and analytics functions across the globe
• Manage a massive team of technologists/engineers to oversee the transition from strategy to implementation
• Cultivate an agile and results-driven culture where innovation and excellence are expected within a large-scale global technology organization
• Continuously focus on building and developing technology talent that possesses the business acumen and technical capability to deliver world-class products
• Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets
• Build strong leadership skills and presence
• can lead through influence without formal authority in a complex global matrix organization
• Be innovative and curious, readily able to think outside of the box, especially relative to disruptive technology and the transformative potential of AI in financial services
• Be comfortable with ambiguity and change in a fast-paced global environment
• Be passionate about improving employee and customer experience globally

• 20+ years of experience
• 15+ years' managerial experience directly managing high-performing technology teams with demonstrable and measurable results, ideally within a large-scale global financial institution, with significant exposure to digital transformation and customer experience innovation
• Consistent record as a senior technology leader (e.g., Department Head, VP, Director), managing multi-functional and strategic enterprise projects involving 1000+ engineers
• Extensive experience in the Digital space, shaping technology strategy, driving customer adoption, managing balance sheet growth (assets under management), and long-term retention across Cards, Retail Banking, and Wealth Management in both North American and international markets
• Proven expertise and significant experience with digital cards, including payment technologies such as Apple Pay, Google Pay, and other mobile wallet solutions, as well as tokenization and card lifecycle management in a digital context
• Proven ability to influence decision-making at all levels within a global organization and influence non-direct reports through data and a compelling vision
• Deep technical knowledge, with the ability to break down complex technical challenges and understand the impact of those decisions on engineering at scale
• Brings a mix of entrepreneurial, startup/growth, and corporate-level scaled innovation leadership experience
• Demonstrates sound business judgment, analytical acumen, consumer-centric mindset, and superior communication skills (written and verbal) essential for leading a global team and engaging with senior stakeholders
• A proven track record of fostering a clear vision, translating that vision into actionable strategies, and delivering business-measurable outcomes at a global scale, with a strong focus on digital product delivery and customer satisfaction
• Deep consumer wealth knowledge and passion around emerging technologies (e.g., AI/ML, blockchain, cloud-native architectures) and how they will change consumer experience in financial services globally, including expertise in digital fraud detection and cybersecurity best practices

Previous program/project management, consulting, technology, and/or management experience is highly valued

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
• discretionary and formulaic incentive and retention awards