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Open nowPosted yesterday

Transaction Services - US Operations

Citi4,178 open roles

Where
Pune Maharashtra India
Work mode
Hybrid
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Your applicationOpen nowTransaction Services - US OperationsCiti · Pune Maharashtra India

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The clock on this job

Early applications get read.

13.6% of postings close within 7 days. Measured by our own scanner across the market. Citi postings stay open a median of 23 days.

Share of postings closed within
  1. 2.3%1 day
  2. 4.7%3 days
  3. 13.6%7 days
  4. 21.9%14 days
  5. 36.9%30 days
  6. 59.0%60 days
This job: posted yesterday

Citi median: 23 days open

The posting

Job Description

The Operations Support Specialist 4 is a Retail Banking Operations & Process Analyst role responsible for executing, streamlining, and maintaining core retail banking Back-office transaction support, account lifecycle servicing, and operational workflow integrity. Operating at the intersection of transaction processing, data control, and client account administration, the specialist ensures rigorous adherence to operational standards, documentation policies, and regulatory compliance. The analyst serves as a key liaison across upstream and downstream processing teams, Team leaders, managers, and internal/external stakeholders, leveraging strong domain knowledge of retail banking products, core banking systems, ledger accounting, AI governance, and automation tools to minimize operational risk and elevate efficiency.

Responsibilities:

  • Review and post financial and non-financial accounting entries across retail banking General Ledger (GL) and Subledger accounts.
  • Identify, research, and reconcile ledger/subledger breaks, balancing discrepancies, and transaction mismatches to ensure accurate financial reporting and audit readiness.
  • Analyze daily transaction journals and system suspense accounts to verify proper fund allocation, interest calculations, fee adjustments, and postings.
  • Navigate and leverage Core Banking Platforms to execute customer account adjustments, verify balance histories, monitor transaction status, and validate operational controls.
  • Utilize advanced Microsoft Excel functions (e.g., dynamic formulas, pivot tables, VLOOKUP/XLOOKUP, index-match, conditional formatting, and data validation models) to analyze structured financial datasets, spot anomalies, and compile operational tracking metrics.
  • Proactively analyze end-to-end workflows to identify inefficiencies, manual handoffs, and repetitive operational tasks.
  • Drive process re-engineering and simplification initiatives to eliminate redundancies, reduce manual operational touchpoints, accelerate turnaround times, and mitigate human error.
  • Prepare recurring and ad-hoc operational MIS reports, exception dashboards, and root-cause analysis summaries for management review.
  • Drive proactive escalation and resolution tracking for critical high value transactions/account breaks, transaction bottlenecks, and service delivery roadblocks.
  • Track record of managing operational data with complex spreadsheets and structured databases.

Experience & Functional Skills:

  • 1–2 years of relevant professional experience within banking operations, financial services processing, or a corporate business operations environment.
  • Proven experience working with retail banking products, transaction processing, and customer account maintenance.
  • Demonstrated hands-on capability in performing financial reconciliations, ledger posting verification, or discrepancy investigations.
  • Strong analytical problem-solving to dissect complex financial data, conduct root-cause analysis on recurring breaks, and implement corrective operational controls.
  • Strong verbal and written communication skills to interact seamlessly with upstream/downstream partners, operational leads, internal audit, and business stakeholders.
  • Familiarity with AI governance standards, model risk controls, or participating in digital transformation projects.
  • Knowledge of Automation Tools: Experience with or working knowledge of process automation tools (e.g., Power Automate, RPA platforms, Python, VBA, or low-code automation tools) is considered a strong added advantage.

Education

  • Bachelor’s Degree / University Graduate in Finance, Accounting, Business Administration, Economics, Commerce, or a related discipline (or equivalent practical work experience).

Work Schedule & Shift Details

  • Work Timing: India Core Night Shift Hours (supporting US Business Hours / US Operations).
  • Flexibility: Willingness to support peak processing periods, month-end/quarter-end financial close, and critical operational deliverables.

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Job Family Group:

Operations - Core

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Job Family:

Operations Support

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Time Type:

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

Automatic Clearing House (ACH) Processing, Banking, Card Payments, Check Processing, Core Banking, Credit Card Processing, Credit Card Services, Payment Operations, Payment Posting, Retail Banking, Transaction Services.

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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.

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.

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