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Citi is looking for a Payment Network Expense and Operations Analyst to take ownership of financial oversight and billing operations across Mastercard and Visa network relationships. In this role, you will sit at the intersection of finance, product, and technology - identifying opportunities to improve expense management and strengthen financial controls across Citi's card payment operations. Your analytical expertise and understanding of card payment economics will directly shape the accuracy, efficiency, and integrity of network billing at scale.

Responsibilities Review, validate, and reconcile monthly and weekly invoices from Mastercard and Visa to confirm that charges are accurate and consistent with contractual agreements. Investigate billing discrepancies, identify root causes, and coordinate resolution with internal teams and external network partners to ensure timely and accurate outcomes. Develop monthly and annual network expense reports, surfacing key business drivers, emerging cost trends, and fee changes derived from network rules and bulletins.

Monitor network pricing, fees, assessments, and service charges to verify ongoing compliance with negotiated terms and flag deviations for action. Translate contract pricing terms into operational billing controls and validation processes to support effective contract implementation. Partner with Finance and Product teams to incorporate billing changes into financial forecasts and assess the cost impact of new products, initiatives, and capabilities.

Identify and implement improvements to expense management workflows, including automation of manual processes and strengthening of financial controls. Maintain clear, accurate documentation of billing methodologies, controls, and operating procedures to support consistency and audit readiness. Required Qualifications & Skills 6-10 years of experience in financial analysis, expense management, or network billing operations within financial services or payments.

Hands-on experience managing billing relationships with Visa, Mastercard, or other card payment networks. Demonstrated ability to analyse complex billing data, identify discrepancies, and drive resolution with cross-functional stakeholders. Advanced proficiency in Microsoft Excel and PowerPoint, applied to financial modelling, reporting, and executive-level communication.

Ability to manage competing priorities and meet deadlines in a fast-paced environment where requirements can shift rapidly. Clear and concise written and verbal communication skills, with the ability to present financial findings to non-specialist audiences. Bachelor's degree or equivalent university qualification in finance, business, or a related field.

Beneficial Skills & Qualifications Master's degree in finance, business administration, or a related discipline. Familiarity with card payment economics, network fee structures, and assessment methodologies. Experience supporting contract implementation by converting pricing terms into operational controls and billing validation frameworks.

What We Offer At Citi, you will work in a high-impact, collaborative environment where your financial expertise directly influences the performance of one of the world's leading financial institutions. This senior role offers meaningful ownership, cross-functional visibility, and the opportunity to shape how Citi manages and optimises its network expense operations at a global scale. Hybrid working model - 3 days in the office and 2 days working remotely, giving you flexibility without losing connection to your team.

Exposure to senior finance, product, and technology stakeholders, with the opportunity to influence forecasting and strategic decision-making. Access to Citi's global learning and development resources to support your continued professional growth and career progression. Wellbeing and financial wellbeing support programmes designed to help you perform at your best inside and outside of work.

A performance-driven environment where your contributions are recognized and your analytical impact is visible across the business. Apply today to bring your network billing expertise to a global team where your analytical rigor will shape financial performance at Citi. DO NOT REMOVE|82efc8499ebe6325531bc70ea0c32996bfe6240a7edb1fe568d65a6a9efc835b ------------------------------------------------------ Job Family Group: Product Management and Development ------------------------------------------------------ Job Family: Product Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: New York New York United States ------------------------------------------------------ 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. ------------------------------------------------------ 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: Jul 24, 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. Illinois residents - AI Notice and Right ------------------------------------------------------ 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.