Verified
Citigroup
Piloting- Banking
- ~217,000 employees
- Citi AI, built in-house
- ~180,000 with access
- 14,000 engineers on Devin
- Evident AI Index #8 (2026)
Citigroup deploys AI through Citi AI, an in-house suite led by Citi Stylus Workspaces and Citi Assist that about 180,000 employees in 87 jurisdictions could use in Oct 2026, alongside Cognition's Devin coding agent for 14,000 engineers and Arc, an agent platform launched in Apr 2026. Group Head of AI David Griffiths, in COO Anand Selvakesari's office since May 2026, runs the program. Citigroup's one AI-credited business return is a 30% cut in tech vendor spend from in-sourcing work with Devin (Oct 2026).
citigroup.comTheir approach to AI
- The platform
- Citi AI, a suite Citigroup built in-house, centers on Citi Stylus Workspaces, agentic since Sep 2025, and Citi Assist; Arc, launched Apr 30, 2026, lets Citigroup developers build monitored, auditable AI agents.
- The models
- Citigroup built Citi Sky on Google's Gemini models and names Anthropic, OpenAI, Google and Microsoft as key AI relationships (Sep 2026); engineers use Cognition's Devin and staff also get Microsoft 365 Copilot Chat.
- The reach
- About 180,000 Citigroup employees in 87 jurisdictions had access to Citi AI tools in Oct 2026, with a total adoption rate above 87% and more than 65 million interactions since the Dec 2024 rollout.
- The catch
- Citigroup's only AI-credited return is a 30% cut in tech vendor spend from in-sourcing work with Devin (Oct 2026); Citi gives no firm-level AI figure and does not say which models run behind Citi Stylus.
Snapshot
- Employees
- ~217,000
- Direct staff at Sep 30, 2026; about 226,000 at Dec 31, 2025 (2025 Form 10-K)
- Technology spend
- $11.8B (2024)
- Mark Mason, Jan 15, 2025 earnings call; technology and communication expense was $9.4B in 2025 (Form 10-K)
- AI/ML headcount
- Not disclosed
- About 30,000 developers had AI tools in 2025; 14,000 engineers use Devin (Oct 2026)
- Who owns AI
- David Griffiths, Group Head of AI
- Named May 6, 2026 from CTO; sits in COO Anand Selvakesari's leadership team
- Platform
- Citi AI, built in-house
- Citi Stylus Workspaces and Citi Assist; Arc agent platform since Apr 2026
- Models
- Google Gemini, Devin, Microsoft Copilot
- Anthropic, OpenAI, Google and Microsoft named as key relationships (Sep 2026)
- Reach
- ~180,000 with access
- Adoption above 87% (Sep 2026); more than 80% use the tools regularly (Apr 2026)
- Use cases
- 50+ in Services alone
- Pipeline, some live (May 2026); about 100 processes re-engineered (Oct 2026)
Key findings
About 180,000 Citigroup employees in 87 jurisdictions had access to Citi Stylus Workspaces, Citi Assist and Microsoft 365 Copilot Chat in Oct 2026, and Citigroup reported a total adoption rate above 87% and more than 65 million interactions with its AI tools since the internal rollout began in Dec 2024.
Citigroup named CTO David Griffiths Group Head of AI on May 6, 2026, placing him in COO Anand Selvakesari's leadership team to unify the AI operating model, and in Oct 2026 Griffiths filled out a groupwide AI organization with a head of applied AI and agent factory hired from Google, a head of AI strategy, a head of responsible AI and a chief operating officer for the AI team.
Jane Fraser said on Oct 13, 2026 that 14,000 Citigroup engineers use Cognition's Devin coding agent, making in-house work efficient enough that in-sourcing cut Citi's tech vendor spend by 30% year over year, the only business return Citigroup has put a figure on and credited to AI.
Citigroup is re-engineering about 100 of its most manual processes end to end with AI and automation, from KYC to loan operations, and Jane Fraser said in Oct 2026 that the financial benefits from AI and automation so far in 2026 significantly outweigh the investments, without giving a figure.
Citigroup moved from 12th to 8th in Evident's 2026 AI Index for banks, launched the Arc agent platform for developers on Apr 30, 2026, and is piloting Citi Sky, a wealth assistant built with Google Cloud and Google DeepMind.
Where Citi sits
- Stage
- Piloting
Citigroup has reported one business return it credits to AI, which places it in Piloting: Jane Fraser said on Oct 13, 2026 that the Devin coding agent made in-house work efficient enough that in-sourcing cut tech vendor spend 30% year over year. Citigroup has also officially reported a company-wide rollout: more than 80% of the 180,000 employees with access used Citi AI tools regularly in Apr 2026, total adoption passed 87% in Sep 2026, and Group Head of AI David Griffiths owns the program. Citigroup falls short of Scaling because its one return sits in technology alone: the roughly 100,000 hours of weekly developer capacity Citi counts from AI code reviews (May 2026) has no cost or headcount equivalent, and Fraser's Oct 2026 statement that 2026 benefits from AI and automation significantly outweigh the investment gives no figure and does not separate AI from automation.
How the stages are defined - Ownership
- Group Head of AI David Griffiths, in COO Anand Selvakesari's office
- Platform
- Hybrid: Citi AI suite and Arc built in-house; Devin and Copilot Chat bought
- Models
- Google Gemini, Cognition's Devin and Microsoft Copilot; Stylus models not disclosed
- Hosting
- Google Cloud (Vertex AI, Gemini Enterprise) and Microsoft 365; where Stylus models run is not disclosed
- Reach
- About 180,000 with access, adoption above 87% (Sep to Oct 2026)
How they deploy
Proprietary tools, outside models
Citigroup builds its own employee AI tools, which it calls Citi AI: Citi Stylus for documents and research, Citi Assist for policy and procedure search, and Citi Squad, named by Tim Ryan in Sep 2025. Citigroup names Anthropic, OpenAI, Google and Microsoft as its key AI relationships (Sep 2026), and David Griffiths said in Sep 2026 that Citi developed its AI engineering capability from within. Citigroup has released more than 26 versions of Citi Stylus Workspaces since launch.
Four lenses
Jane Fraser said in Apr 2026 that Citigroup had set up a more structured, firmwide approach to AI with four buckets: business strategy and revenue, productivity and end-to-end process improvement, defensive capabilities across cyber, fraud and anti-money laundering, and talent and workforce. Fraser repeated the frame on Oct 13, 2026 as growth, operating efficiency, teaching people the new tools and strengthening defenses.
Transformation as the foundation
Citigroup says its multi-year Transformation, driven by the 2020 consent orders, built the data and platforms AI needs. Jane Fraser said in Apr 2026 that Citi now has a single data repository for institutional businesses and one for consumer, and Anand Selvakesari wrote in Oct 2026 that trusted enterprise data sources for trades and transactions make AI models more effective. Citigroup retired or replaced 548 applications in 2025 and moved wholesale lending onto one platform, Loan IQ.
Re-engineer processes, fund growth with the savings
Citigroup started with just over 50 of its largest and most complex processes, from KYC to loan underwriting, in Jan 2026 and had about 100 completed or under way by Oct 2026. CFO Gonzalo Luchetti said the COO and Tim Ryan review the processes every week, and that AI-driven process re-engineering is one of the structural efficiencies meant to fund about $5 billion of incremental investment over three years announced at the May 2026 Investor Day.
Agents under the same controls
Citigroup introduced Arc on Apr 30, 2026 so developers can build AI agents for well-defined use cases, with every agent monitored, auditable and governed, and access widening to the rest of the firm over time. Citigroup said Arc applies the rigor it uses for all its technology and stays within its risk framework, David Griffiths said in Sep 2026 that Arc is meant to deploy embedded agents across every business line, and U.S. Consumer Cards is preparing for agentic commerce, in which a customer's AI assistant pays with a Citi card.
- Deployment model
- Citigroup runs AI as a firmwide program from the Chief Operating Office, with delivery in the businesses. Group Head of AI David Griffiths joined COO Anand Selvakesari's leadership team in May 2026, and Selvakesari's own remit includes overseeing the responsible adoption and deployment of AI across Citi. Tim Ryan's Technology and Business Enablement organization builds and runs the platforms, and Gonzalo Luchetti, Tim Ryan and Anand Selvakesari were named the executive co-sponsors of Citi's AI work in Jun 2025. Each business runs its own pipeline: Services organizes more than 50 use cases into five pillars (sales, client, operations, agent and technology assist), and Wealth, U.S. Consumer Cards and Banking set their own AI priorities. Every Services AI deployment needs sign-off from model risk, operational risk and audit, Shahmir Khaliq said in May 2026.
- Model providers
- Citigroup does not say which models power Citi Stylus Workspaces or Citi Assist. Citigroup names Anthropic, OpenAI, Google and Microsoft as key relationships (Sep 2026). Citi Sky uses Gemini models on Google's Gemini Enterprise Agent Platform, Google DeepMind's real-time avatar technology and the Gemini Live API (Apr 2026), and the Oct 2024 Google Cloud agreement made Vertex AI the platform for generative AI across Citi. About 180,000 employees can use Microsoft 365 Copilot Chat (Oct 2026), and Citi Assist runs inside Microsoft Teams. Engineers use Cognition's Devin as Citi's main agentic coding tool. Citigroup's Banking business is piloting the specialist tools Rogo and Hebbia (May 2026), and Citi made a strategic investment in Tokyo model builder Sakana AI in Feb 2026.
- Data and infrastructure
- Citigroup signed a multi-year agreement with Google Cloud in Oct 2024 to move workloads and applications onto Google Cloud infrastructure, run high-performance computing for Markets and use Vertex AI for generative AI in developer toolkits, document processing and customer servicing. Citigroup holds institutional data in one strategic repository and consumer data in another (Apr 2026), retired or replaced 548 applications in 2025, and onboarded wholesale and retail contractual data to two strategic data platforms. Citigroup has not said whether the models behind Citi Stylus run on Google Cloud, Microsoft Azure or in its own data centers.
Platforms and internal tools
Citi Stylus WorkspacesSep 2025 (agentic version)
Citi Stylus Workspaces is Citigroup's flagship AI platform for research, data analysis and multi-step workflows. The Sep 2025 agentic version connects to internal data, the employee directory, project management tools and web search, so one prompt can research, summarize and translate. Citi Stylus began as a document tool that summarizes, compares and answers questions about files, and Citigroup has released more than 26 versions since launch.
- Users
- More than 180,000 with access (Sep 2026)
Citi Assist
Citi Assist is Citigroup's desktop assistant for searching Citi policy and procedure documents, integrated into Microsoft Teams by Jun 2025.
- Users
- Part of the Citi AI tools open to about 180,000 (Oct 2026)
ArcApr 30, 2026
Arc is Citigroup's platform for building and scaling AI agents under its risk framework, with every agent monitored, auditable and governed. Developers use Arc first to build agents for well-defined use cases, and Citigroup plans to widen access across the firm.
Devin
Devin, a coding agent from Cognition, is Citigroup's main agentic coding tool for complex, multi-step tasks. Citigroup says Devin re-mapped more than 30 years of legacy code across the firm in two days.
- Users
- 14,000 engineers (Oct 2026)
- Models
- Cognition's Devin
CitiService Agent Assist
CitiService Agent Assist is a generative AI tool in Citigroup's Services business that gives client service agents faster, more accurate answers to client queries. Citi said in May 2026 that its generative AI tools support 6,000 service agents in 72 countries who handle more than 3 million inquiries a year, and Jane Fraser said in Oct 2026 that the tools operate in 82 countries.
- Users
- 6,000 service agents (May 2026)
Citi SkyApr 22, 2026 (unveiled)
Citi Sky is an AI assistant for Citi Wealth clients that answers in voice and video through a real-time avatar, covering items such as certificate of deposit maturities and Chief Investment Office market views in English and Spanish. Citi Sky was in testing with select U.S. colleagues and clients in Sep 2026, with a phased rollout to Citigold clients planned.
- Models
- Google Gemini, Google DeepMind avatar technology
Citi Wealth advisor toolsQ1 to Q2 2026
Citi Wealth runs CitiScribe, an AI note-taker rolled out to all North America Wealth advisors in Q1 2026; AskWealth CIO, a chat interface to Chief Investment Office research that was in pilot in North America in Apr 2026; Client 360, a single view of client data; and Portfolio Intelligence for Private Bank clients. Citi Wealth works with Google Cloud and Palantir on account opening and other projects (Apr 2026).
Microsoft 365 Copilot Chat
Microsoft 365 Copilot Chat is one of the AI tools Citigroup offers alongside Citi Stylus Workspaces and Citi Assist to about 180,000 employees in 87 jurisdictions (Oct 2026).
- Models
- Microsoft
Vendors and partners
Google Cloud and Google DeepMindOct 2024
Cloud and generative AI platform (Vertex AI); Gemini models behind Citi Sky · Citigroup's multi-year Google Cloud agreement covers workload migration, high-performance computing for Markets and Vertex AI for generative AI; Citi Sky was unveiled at Google Cloud Next in Apr 2026.
Microsoft
Microsoft 365 Copilot Chat for employees; Citi Assist runs in Microsoft Teams · Citigroup named Microsoft among its key AI relationships in Sep 2026.
Cognition
Devin coding agent · Fourteen thousand Citigroup engineers use Devin (Oct 2026).
Anthropic
Key AI relationship; Project Glasswing participant · Citigroup said in Sep 2026 that it takes part in Anthropic's Project Glasswing for cyber defense; Citi is not among the launch partners Anthropic named in Apr 2026, and Anthropic also gave access to more than 40 organizations it did not name.
OpenAI
Key AI relationship · Citigroup named OpenAI among its key AI relationships in Sep 2026 without saying which models it uses.
Palantir
Data and AI partner for Citi Wealth · Citi Wealth works with Palantir and Google Cloud on client tools and account opening (Apr 2026).
Sakana AIFeb 2026
Strategic investment by Citi Markets · Citigroup's first investment in a Japanese company, made through Markets Strategic Investments; the amount was not disclosed.
Rogo and HebbiaBy May 2026
AI research tools piloted in Banking
Leadership
AI, data and platform leaders
Executives
Board
AI org map
Firmwide AI office in the Chief Operating Office; platforms in Technology; delivery in each business
Citigroup moved AI leadership into the Chief Operating Office in Sep 2025, when COO Anand Selvakesari hired Shobhit Varshney from IBM as Head of AI reporting to him. On May 6, 2026 Selvakesari named CTO David Griffiths Group Head of AI to unify the AI operating model across businesses and technology, and Griffiths joined the COO's leadership team, working with Tim Ryan, Head of Technology and Business Enablement. Varshney had left Citi to become Chief AI Officer at Optum by Aug 2026. In an Oct 2026 memo reported by American Banker, Griffiths named Sebastian Gnagnarella head of applied AI and agent factory, Niamh O'Sullivan head of AI strategy and Sheetal Chanderkar chief operating officer of the groupwide AI team, alongside Aida Filipovic, head of responsible AI since Apr 2026.
Citigroup has not published how many AI and machine learning specialists it employs. Citigroup's AI work sits in three places: a central AI organization under Group Head of AI David Griffiths in the Chief Operating Office, Tim Ryan's Technology and Business Enablement organization, where about 30,000 developers had AI coding tools in 2025 and 14,000 engineers used Devin in Oct 2026, and AI teams inside Services, Wealth, U.S. Consumer Cards, Banking and Markets. More than 2,000 Citigroup employees were in the AI Champions and AI Accelerator programs in Jun 2025.
Reporting lines
Chair and CEO
Chief Operating Office
Anand Selvakesari, COO
Transformation, operations and the responsible adoption and deployment of AI across Citi
Group Head of AI
David Griffiths
Joined the COO's leadership team in May 2026 (AIM Media House, FStech); Citi has not published the direct reporting line
Applied AI and Agent Factory
Sebastian Gnagnarella
Part of Griffiths's groupwide AI organization (Oct 2026); agentic AI frameworks and practical AI applications. The formal reporting line is not published
AI Strategy
Niamh O'Sullivan
Sets the enterprise road map for AI development, deployment and adoption (Oct 2026)
Responsible AI
Aida Filipovic
AI governance model, ethical principles and an AI command center; American Banker lists the role in Griffiths's Oct 2026 memo without a reporting line
Technology and Business Enablement
Platforms, engineering and the AI coding tools; Ryan sits on the Executive Management Team, and the line to the CEO is inferred from that membership
Chief Information Security Office
The Head of Foundational Services and CISO reports to Tim Ryan; about 3,400 staff run the cybersecurity program (2025 Form 10-K)
Chief Information Officer
Joined in Mar 2026 from Google; Citi's chief information officers report to the Head of Technology and Business Enablement (2025 Form 10-K)
Finance
Gonzalo Luchetti, CFO
Independent Risk Management
Zdenek Turek, CRO
Model risk and operational risk sign off on AI deployments
Services
Shahmir Khaliq
More than 50 AI use cases in five pillars (May 2026)
Wealth
Wealth Data, Analytics and Innovation
Built Citi Sky with the Wealth Technology and Wealth Marketing teams
U.S. Consumer Cards
Banking
Vis Raghavan
Board Technology Committee
Renée James, Chair
Oversees Citi's approach to, and policies and standards for, generative AI
Citigroup's leadership page, checked Nov 1, 2026, lists 19 members of the Executive Management Team, including Anand Selvakesari and Tim Ryan, and does not list David Griffiths or a chief technology officer. Citigroup has not said who succeeded Griffiths as CTO. The 2025 Form 10-K still describes a Chief Technology Officer, with a background matching Griffiths's, as responsible for technology policy, innovation enablement and strategy. American Banker's Oct 2026 report on Griffiths's memo gives no reporting lines for the new AI leaders, so the lines drawn to the Group Head of AI are inferred from membership of his organization.
Where the AI workforce sits
Developers and engineers with AI coding tools
About 30,000 developers had AI tools in 2025 (2025 annual report); more than 10,000 engineers used advanced and agentic AI in May 2026, and 14,000 used Devin in Oct 2026.
~30,000 developersCentral AI organization under the Group Head of AI
Citigroup has not published the size of David Griffiths's organization.
Not disclosedBusiness-line AI and data teams
Services, Wealth, U.S. Consumer Cards, Banking and Markets each run their own AI pipelines; Citi Wealth has a dedicated data, analytics and innovation team.
Not disclosedAI Champions and AI Accelerator programs
Employees across the businesses enrolled to spread AI use (Jun 2025).
2,000+ employees
Named people
Use cases
Citigroup runs AI across every business: Citi AI tools for about 180,000 employees, coding agents for engineers, more than 50 use cases in the Services pipeline, AI advisor and client tools in Wealth, and AI in underwriting, servicing and marketing in U.S. Consumer Cards, plus about 100 processes being re-engineered end to end. Citigroup has published a business return for only one: a 30% year-over-year cut in tech vendor spend from in-sourcing work with Devin (Oct 2026). For AI as a whole, Jane Fraser said in Oct 2026 that the financial benefits from AI and automation so far in 2026 significantly outweigh the investment, without giving a figure or separating AI from automation.
| Use case | Area | Status | ROI |
|---|---|---|---|
| Devin agentic coding and in-sourcing Citigroup engineers use Cognition's Devin for complex, multi-step coding tasks, which lets Citi bring work in-house that vendors used to do; 14,000 engineers used Devin in Oct 2026. | Technology | In production | Tech vendor spend down 30% year over year, credited to in-sourcing work with Devin (Oct 2026) |
| AI-assisted code reviews Citigroup runs automated code reviews with AI tools, about 1.5 million of them by May 2026, and its Investor Day that month counted about 100,000 hours of weekly developer capacity created by them, a figure Citi has not turned into a cost or headcount saving. | Technology | In production | |
| Citi Stylus Workspaces research and workflows Citi Stylus Workspaces lets Citigroup employees research, analyze data and chain multi-step work into one automated process, drawing on internal systems and the web. | Firmwide | In production | |
| Citi Assist policy search Citi Assist answers Citigroup employees' questions from Citi policy and procedure documents and runs inside Microsoft Teams. | Firmwide | In production | |
| AI agents on Arc Citigroup developers build agents on Arc for well-defined tasks such as research, synthesis, preparation and execution, starting with use cases in specific businesses and functions. | Firmwide | Pilot | |
| End-to-end process re-engineering Citigroup is re-engineering about 100 of its most manual processes, such as KYC, reconciliations, loan operations and document processing, with AI and automation, compressing some from months to days or minutes. | Operations | In production | |
| Wholesale credit underwriting and review Citigroup applies AI to underwriting and credit review in wholesale lending, and its May 2026 Investor Day cited a fourfold increase in wholesale credit underwriting processing. | Banking and lending | In production | |
| CitiService Agent Assist CitiService Agent Assist gives Services client service agents generative AI answers to client inquiries; Citi's AI tools for client service agents operate in 82 countries (Oct 2026). | Services | In production | |
| Intelligent Document Processing for onboarding Citigroup's Intelligent Document Processing platform automates review of incoming client documents in U.S. account opening and, Citi says, cut deal document review time by 80% after its Dec 2025 release. | Services | In production | |
| CitiDirect AI assistant The CitiDirect AI assistant answers Services clients' questions in Citi's corporate banking portal, and Citi reported about a 50% better containment rate in the U.S. in 2026. | Services | In production | |
| Market Guide AI search Citi Investor Services added AI search and summaries to Market Guide, its post-trade intelligence service covering more than 100 custody markets, in Sep 2026. | Services | In production | |
| Trade confirmation automation Citigroup's Markets business uses AI to automate trade confirmations, a document-heavy and time-sensitive process. | Markets | In production | |
| Citi Sky client assistant Citi Sky answers Citi Wealth clients by voice and video through a real-time avatar built on Google Gemini and Google DeepMind technology, and was in testing with select U.S. colleagues and clients in Sep 2026. | Wealth | Pilot | |
| Advisor tools: CitiScribe, AskWealth CIO and Client 360 Citi Wealth advisors use CitiScribe to summarize client meetings and Client 360 for one view of each client's holdings, calls and opportunities, and were piloting AskWealth CIO to query Chief Investment Office research in Apr 2026. | Wealth | In production | |
| Marketing personalization and generative search optimization Citi Cards uses machine learning and AI models to personalize offers and optimizes content so Citi cards appear when prospects ask AI assistants for recommendations. Citi set these tools beside a projected 25% rise in mobile digital sales for 2026, without separating AI's share (May 2026). | U.S. Consumer Cards | In production | |
| AI credit underwriting Citi Cards is deploying new machine learning and AI underwriting models and expects a 100 basis point higher approval rate in 2026 within its current risk appetite. | U.S. Consumer Cards | In production | |
| Call center Agent Assist and generative AI phone menus Citi Cards gives call center agents a generative AI Agent Assist tool with automated after-call summaries, live since Jun 2025, and uses generative AI in its phone self-service system. | U.S. Consumer Cards | In production | |
| Customer harm monitoring Citi Cards uses generative AI to detect complaints and monitor for customer harm, which Citi says cuts detection time by more than 95%. | U.S. Consumer Cards | In production | |
| AI research tools for bankers Citigroup's Banking business gives bankers Citi AI and leading large language models and is piloting specialist tools from Rogo and Hebbia. | Banking | Pilot | |
| Frontier models for vulnerability defense Citigroup runs frontier models through a structured harness across its perimeter to find and fix vulnerabilities, Jane Fraser said in Oct 2026. | Cybersecurity | In production | |
| Regulatory report data governance Citigroup applied AI in 2025 to support governance of the data in its key regulatory reports, part of the Transformation work under its consent orders. | Risk and controls | In production |
Adoption
Citigroup spread AI in stages: Google Cloud's Vertex AI was chosen for generative AI in Oct 2024, the internal rollout of Citi AI tools began in Dec 2024, the tools had been launched to about 150,000 employees by Jun 2025 and reached more than 175,000 in 80 countries and jurisdictions by Sep 2025, the agentic Citi Stylus Workspaces followed in Sep 2025, and a Sep 2025 memo to 175,000 employees made AI prompt training mandatory. Usage climbed from more than 21 million interactions and adoption above 70% in Jan 2026 to more than 65 million interactions and adoption above 87% in Sep 2026, and Jane Fraser said in Jul 2026 that nearly nine in ten Citigroup employees use the tools. For engineers, about 30,000 developers had AI tools in 2025, more than 10,000 used advanced and agentic AI by May 2026, and 14,000 used Devin in Oct 2026. Citigroup has not said how it defines adoption or how many employees use the tools each week.
By the numbers
Rollout, first pilot to today
Oct 2024
Citigroup signed a multi-year agreement with Google Cloud to move workloads to Google Cloud and use Vertex AI for generative AI across the firm.
Dec 2024
Citigroup began the internal rollout of its AI tools to employees, the starting point Citi uses for its interaction counts.
Jun 2025
Citigroup said Citi AI had been launched to about 150,000 employees, named Gonzalo Luchetti, Tim Ryan and Anand Selvakesari as executive co-sponsors of its AI work, and counted more than 2,000 employees in its AI Champions and AI Accelerator programs.
Sep 2025
Tim Ryan said Citi AI tools, Citi Stylus, Citi Assist and Citi Squad, reached more than 175,000 employees in 80 countries and jurisdictions.
Sep 2025
COO Anand Selvakesari named former IBM executive Shobhit Varshney Citigroup's Head of AI, reporting to him.
Sep 2025
Citigroup launched an agentic version of Citi Stylus Workspaces, with thousands of employees getting early access in a phased rollout.
Sep 30, 2025
Citigroup sent a memo to 175,000 employees in 80 locations making AI prompt training mandatory, with 60 days to finish the course.
Jan 2026
Jane Fraser said Citigroup employees in 84 countries had used its AI tools more than 21 million times, with adoption above 70%, and that Citi had started re-engineering just over 50 of its largest processes.
Apr 2026
Citigroup's 2025 annual report said more than 182,000 employees had proprietary AI tools and 30,000 developers had AI coding tools.
Apr 2026
Citigroup introduced Arc for building AI agents and said more than 80% of the 180,000 employees with access use Citi AI tools regularly.
May 2026
Citigroup told investors that more than 10,000 engineers use advanced and agentic AI and that AI tools had run about 1.5 million automated code reviews.
Sep 2026
Citigroup reported more than 65 million interactions with its AI tools since Dec 2024, a total adoption rate above 87%, and Citi Stylus Workspaces open to more than 180,000 people.
Oct 2026
Jane Fraser said 14,000 Citigroup engineers use Devin, Citi's main agentic coding tool.
Economics & controls
Spend and ROI
Technology budget
Citigroup does not publish an annual technology budget the way some peers do. CFO Mark Mason said on the Jan 15, 2025 earnings call that Citi spent $11.8 billion on technology in 2024, plus $2.9 billion on its Transformation, and Citigroup's technology and communication expense line was $9.4 billion in 2025, up from $9.0 billion in 2024. Services invests about $2 billion a year in technology and data platforms (Oct 2026), and Citigroup expects change-the-bank work to rise from about 50% of technology investment in 2025 to about 55% in the near term, with AI raising the productivity of that spending (May 2026).
What AI itself costs
Citigroup has not disclosed what it spends on AI. CFO Gonzalo Luchetti said in Jul 2026 that Citi continues to invest in technology, including AI, and Citigroup announced at its May 2026 Investor Day about $5 billion of incremental investment over three years, to be funded by structural efficiencies that include AI-driven process re-engineering.
Reported ROI
Jane Fraser said on Oct 13, 2026 that Citigroup's adoption of AI is both earning and saving money and that the financial benefits from AI and automation so far in 2026 significantly outweigh the investments, with benefits recurring once the investment is made; Citi gave no dollar figure and did not separate AI from automation. The one specific return Citigroup has published and credited to an AI tool is a 30% year-over-year cut in tech vendor spend from in-sourcing work with Devin (Oct 2026).
Productivity markers
Citigroup counted about 100,000 hours of weekly developer capacity created by AI-assisted code reviews at its May 2026 Investor Day, without a cost or headcount equivalent. Jane Fraser said in Oct 2026 that AI typically makes Citigroup's product launches 30% to 40% faster and that response times for Services clients improved 21% with AI tools for service agents. At the May 2026 Investor Day, Services targeted a 30% to 40% developer productivity gain from agentic tools and projected a 20% to 25% cut in client servicing work time from Agent Assist, and U.S. Consumer Cards cited a 60-second cut in call handle time and paired its AI marketing tools with a projected 25% rise in mobile digital sales in 2026, a projection that does not separate AI's share.
Headcount and efficiency
Citigroup had about 226,000 full-time employees at Dec 31, 2025 and about 217,000 direct staff at Sep 30, 2026, with about $800 million of severance in 2025 and more than $1 billion in the first nine months of 2026. Gonzalo Luchetti said in Oct 2026 that the third-quarter severance was directly linked to the structural efficiency program, including the 100-plus processes Citi is re-engineering with automation and AI, and Citigroup expects a 2026 efficiency ratio below 60% (Oct 2026), with 55% to 60% targeted for the near term. Jane Fraser said on Oct 14, 2026 that Citi does not yet know whether AI will shrink its headcount. Citigroup also cut its China technology workforce by about 3,500 employees in 2025, eliminating some roles and moving others to other Citi centers, to simplify its structure and rely less on contractors, without citing AI.
Governance and risk
Board oversight
Citigroup's Board and its Technology Committee, chaired by Renée James, oversee Citi's approach to, and policies and standards for, generative AI, and the Board receives reporting on Citi's AI strategy, risk management, controls, governance and employee adoption, according to the 2026 proxy statement. Citigroup's directors received training on AI strategy, governance, risk management and controls, according to the same proxy statement.
Risk sign-off and humans in the loop
Shahmir Khaliq said in May 2026 that every Citigroup AI deployment in Services must be signed off by model risk management, operational risk management and audit, that deployed models are reviewed against expected behavior, and that humans stay in the loop on payment processing. David Griffiths said in Sep 2026 that Citi automates controls at the platform level across the whole AI lifecycle, with a human always in the loop.
Responsible AI team
Citigroup moved Aida Filipovic from its central controls team in Apr 2026 to head responsible AI, and her team develops Citi's AI governance model, AI ethical principles and an AI command center, American Banker reported in Oct 2026. Group Head of AI David Griffiths announced the role in the same memo as his other AI leadership appointments.
Controls on agents
Citigroup said in Apr 2026 that every agent on Arc will be monitored, auditable and governed, so the firm knows what agents do, how they do it and the value they deliver, and that developers get Arc first for well-defined use cases before access widens.
Disclosed risks
Citigroup's 2025 Form 10-K says Citi has used AI and machine learning for many years, has begun to deploy generative AI broadly and expects to add autonomous agents, and lists risks including flawed generative AI development, opaque models that make AI-influenced decisions hard to audit, reliance on third-party models, restrictions on using data in third-party AI applications and AI-enabled fraud.
Cyber defense
Jane Fraser said on Oct 13, 2026 that Citigroup deploys frontier models through a structured harness across its perimeter to find and fix vulnerabilities, and Citi says it takes part in Anthropic's Project Glasswing. Fraser announced on Sep 30, 2026 that Citigroup is joining the expanded Alliance for Critical Infrastructure to manage AI risks across sectors, and Citi employs about 3,400 people in its cybersecurity program (2025 Form 10-K).
Recent signals
Oct 20, 2026
Anand Selvakesari wrote that nearly 180,000 Citigroup employees in 87 jurisdictions have access to Citi Stylus Workspaces, Citi Assist and Microsoft 365 Copilot Chat, and that Citi's Transformation data work is what positions it to benefit from AI.
Oct 19, 2026
American Banker reported a memo from David Griffiths naming former Google engineering director Sebastian Gnagnarella head of applied AI and agent factory, Niamh O'Sullivan head of AI strategy and Sheetal Chanderkar chief operating officer of Citigroup's groupwide AI team, with Aida Filipovic head of responsible AI since Apr 2026.
Oct 14, 2026
Jane Fraser told Fortune's Most Powerful Women Summit that Citigroup does not yet know whether AI will shrink its headcount, describing jobs both created and automated.
Oct 13, 2026
Jane Fraser said on the Q3 2026 call that 14,000 Citigroup engineers use Devin, that in-sourcing cut tech vendor spend 30% year over year, that about 100 manual processes are being re-engineered with AI and automation, and that 2026 benefits from AI and automation significantly outweigh the investment.
Oct 6, 2026
Evident's 2026 AI Index for banks ranked Citigroup 8th, up from 12th, behind JPMorgan Chase, Capital One and Royal Bank of Canada at the top.
Sep 30, 2026
Jane Fraser said Citigroup is joining the expanded Alliance for Critical Infrastructure, with CEOs from six critical sectors and AI leaders, to reduce systemic AI and cyber risk.
Sep 29, 2026
Citi Investor Services added AI search and summaries to its Market Guide post-trade intelligence platform at Sibos.
Sep 22, 2026
Citigroup profiled Group Head of AI David Griffiths, reporting more than 65 million AI tool interactions since Dec 2024, adoption above 87%, and key relationships with Anthropic, OpenAI, Google and Microsoft.
Aug 2026
CDO Magazine reported that Shobhit Varshney, Citi's former global head of AI, had joined Optum as Chief AI Officer.
Jul 14, 2026
Jane Fraser said nearly nine in ten Citigroup employees use its AI tools, and Gonzalo Luchetti said Citi may take more severance to accelerate AI and automation savings in the 100-plus processes under review.
May 7, 2026
Citigroup's Investor Day set out AI targets in each business, more than 50 Services use cases, about 100,000 hours of weekly developer capacity created by AI code reviews, and about $5 billion of incremental investment to be funded partly by AI-driven efficiencies.
May 6, 2026
COO Anand Selvakesari named CTO David Griffiths Citigroup's Group Head of AI, joining the Chief Operating Office leadership team to unify the AI operating model.
Apr 30, 2026
Citigroup introduced Arc, a platform for building monitored and auditable AI agents, starting with developers.
Apr 22, 2026
Citi Wealth unveiled Citi Sky, an AI assistant built with Gemini models and Google DeepMind avatar technology, at Google Cloud Next.
Apr 9, 2026
Citi Wealth rolled out AI tools for advisors and clients, including CitiScribe, AskWealth CIO, Client 360 and Portfolio Intelligence, and named Google Cloud and Palantir as partners.
Quick answers
- How does Citigroup deploy AI?
- Citigroup deploys AI through Citi AI, an in-house suite led by Citi Stylus Workspaces and Citi Assist that about 180,000 employees in 87 jurisdictions could use in Oct 2026, alongside Cognition's Devin coding agent for 14,000 engineers and Arc, an agent platform launched in Apr 2026. Group Head of AI David Griffiths, in COO Anand Selvakesari's office since May 2026, runs the program. Citigroup's one AI-credited business return is a 30% cut in tech vendor spend from in-sourcing work with Devin (Oct 2026).
- What does Citigroup use AI for?
- Citigroup runs AI across every business: Citi AI tools for about 180,000 employees, coding agents for engineers, more than 50 use cases in the Services pipeline, AI advisor and client tools in Wealth, and AI in underwriting, servicing and marketing in U.S. Consumer Cards, plus about 100 processes being re-engineered end to end. Citigroup has published a business return for only one: a 30% year-over-year cut in tech vendor spend from in-sourcing work with Devin (Oct 2026). For AI as a whole, Jane Fraser said in Oct 2026 that the financial benefits from AI and automation so far in 2026 significantly outweigh the investment, without giving a figure or separating AI from automation.
- Who leads AI at Citigroup?
- AI at Citigroup is led by David Griffiths (Group Head of AI); Sebastian Gnagnarella (Head of Applied AI and Agent Factory); Aida Filipovic (Head of Responsible AI). Ownership of AI on the org chart: Group Head of AI David Griffiths, in COO Anand Selvakesari's office.
- What AI platform does Citigroup use?
- Citi AI, a suite Citigroup built in-house, centers on Citi Stylus Workspaces, agentic since Sep 2025, and Citi Assist; Arc, launched Apr 30, 2026, lets Citigroup developers build monitored, auditable AI agents.
- Which AI models does Citigroup use?
- Citigroup built Citi Sky on Google's Gemini models and names Anthropic, OpenAI, Google and Microsoft as key AI relationships (Sep 2026); engineers use Cognition's Devin and staff also get Microsoft 365 Copilot Chat.
- How many Citi employees use AI?
- About 180,000 Citigroup employees in 87 jurisdictions had access to Citi AI tools in Oct 2026, with a total adoption rate above 87% and more than 65 million interactions since the Dec 2024 rollout.
- How far has AI spread at Citigroup?
- Citigroup has reported one business return it credits to AI, which places it in Piloting: Jane Fraser said on Oct 13, 2026 that the Devin coding agent made in-house work efficient enough that in-sourcing cut tech vendor spend 30% year over year. Citigroup has also officially reported a company-wide rollout: more than 80% of the 180,000 employees with access used Citi AI tools regularly in Apr 2026, total adoption passed 87% in Sep 2026, and Group Head of AI David Griffiths owns the program. Citigroup falls short of Scaling because its one return sits in technology alone: the roughly 100,000 hours of weekly developer capacity Citi counts from AI code reviews (May 2026) has no cost or headcount equivalent, and Fraser's Oct 2026 statement that 2026 benefits from AI and automation significantly outweigh the investment gives no figure and does not separate AI from automation.
Open questions
- Which models run behind Citi Stylus Workspaces and Citi Assist, and do they run on Google Cloud, Microsoft Azure or in Citigroup's own data centers?
- Who is Citigroup's chief technology officer now that David Griffiths is Group Head of AI, does Griffiths report directly to Anand Selvakesari, and how large is the groupwide AI organization he filled out in Oct 2026?
- What dollar figure sits behind Jane Fraser's Oct 2026 statement that the benefits of AI and automation significantly outweigh the investment in 2026, how much of it comes from AI rather than automation, and how much does Citigroup spend on AI itself?
- What cost or headcount saving, if any, do the roughly 100,000 hours of weekly developer capacity that Citigroup counts from AI-assisted code reviews translate into?
- How many AI and machine learning specialists does Citigroup employ, given that it has never published a count?
- How does Citigroup define its 87% adoption rate, and how many employees use Citi AI tools every week?
- What business return do Citigroup's deployed tools with no published figure deliver, such as Citi Stylus Workspaces, Citi Assist, CitiService Agent Assist and Intelligent Document Processing?
- How many of the roughly 100 re-engineered processes are complete, and what savings and headcount changes have they produced?
- How many agents run on Arc in production, and when will access widen beyond developers?
- What does Citigroup's part in Anthropic's Project Glasswing involve, given that Citi is not among the launch partners Anthropic named in Apr 2026?
- When will Citi Sky leave testing and reach Citigold clients broadly, given the summer 2026 rollout plan?
- When did CitiService Agent Assist launch, given that a Jun 2025 Citi release called it live in 47 countries and an Investor Day footnote dates the Agent Assist launch to Mar 2026?
Sources
Citigroup
- Executive Management Team and Board of Directors
- A Competitive Differentiator: David Griffiths, Group Head of AI (Sep 22, 2026)
- Anand Selvakesari: What AI runs on (Oct 20, 2026)
- Jane Fraser: Responsibility in the age of AI (Sep 30, 2026)
- Introducing AI agents: Arc (Apr 30, 2026)
- Citi announces senior talent appointments (Jun 3, 2026)
- Citi Wealth unveils Citi Sky with Google Cloud and Google DeepMind (Apr 22, 2026)
- Citi Wealth deploys AI-powered technology (Apr 9, 2026)
- Citi makes strategic investment in Sakana AI (Feb 24, 2026)
- Citi Investor Services reimagines Market Guide with AI (Sep 29, 2026)
- Citi unveils agentic Citi Stylus Workspaces (Sep 22, 2025)
- Tim Ryan: Citi AI enters 80 markets and counting (Sep 4, 2025)
- Citi expands generative AI capabilities to Australia and New Zealand (Sep 17, 2025)
- Strengthening our commitment to AI innovation (Jun 23, 2025)
- CitiService Agent Assist wins Pega innovation award (Jun 3, 2025)
- Citi realigns technology workforce in China (Jun 5, 2025)
- Citi and Google Cloud announce strategic agreement (Oct 28, 2024)
- Citi Institute podcast: Evolution of AI at Google and Citi, with Shobhit Varshney (Dec 16, 2025)
Filings, letters and investor materials
- Q3 2026 earnings call transcript (Oct 13, 2026)
- Q3 2026 earnings presentation (Oct 13, 2026)
- Q2 2026 earnings call transcript (Jul 14, 2026)
- Q1 2026 earnings call transcript (Apr 14, 2026)
- Q4 2025 earnings call transcript (Jan 14, 2026)
- Q4 2024 earnings call transcript (Jan 15, 2025)
- 2026 Investor Day, full event transcript (May 7, 2026)
- 2026 Investor Day, CEO presentation (May 7, 2026)
- 2026 Investor Day, financial overview presentation (May 7, 2026)
- 2026 Investor Day, Services presentation (May 7, 2026)
- 2026 Investor Day, U.S. Consumer Cards presentation (May 7, 2026)
- 2025 Annual Report, including the 2025 Form 10-K (Apr 2026)
- 2026 Proxy Statement (Apr 2026)
Partners and rankings
News
- American Banker: Citi hires Google's director of engineering, shuffles AI leaders (Oct 19, 2026)
- Fortune: Jane Fraser on the next phase of Citi's turnaround (Oct 14, 2026)
- CIO Dive: Citi appoints former Google exec as CIO (Apr 28, 2026)
- American Banker: Citi mandates AI prompt training for most employees (Sep 30, 2025)
- AIM Media House: Citi names CTO David Griffiths Group Head of AI (May 6, 2026)
- FStech: Citigroup appoints group head of AI (May 8, 2026)
- CIO Dive: Citi taps IBM's Shobhit Varshney as head of AI (Sep 11, 2025)
- CDO Magazine: Optum names Shobhit Varshney Chief AI Officer (Aug 7, 2026)
- Bloomberg via BGOV: JPMorgan tops global AI banking index for fifth straight year (Oct 7, 2026)
Data confidence
- Confirmed
- Stated in a primary or reputable public source.
- Estimated
- Derived or approximated from public reporting.
- Unconfirmed
- Reported, but not yet corroborated.
Citigroup profile · Enterprise AI diffusion report by Imagine · facts checked against their sources on Nov 1, 2026
