Apply for Research Specialist at Citi in O’Fallon, MO – $41.6K-$53.6K salary, full benefits, career growth. Apply by Nov 28, 2025.
Table of Contents
💼 Job Role & Category
Role: Research Specialist 4
Category: Full-Time, On-Site/Resident
Job Family: Operations – Core | Research & Investigation
🏢 Why Join Citi?
Citi is a global financial services powerhouse serving millions of consumers, corporations, and governments across more than 160 countries and jurisdictions. As one of the world’s largest banking institutions, Citi provides a wide array of financial products and services including consumer banking, credit, corporate and investment banking, securities brokerage, and wealth management. With a mission to enable growth and economic progress, Citi is committed to responsible finance and creating the best outcomes for clients and communities.
Working at Citi means joining a team of more than 230,000 dedicated professionals from around the globe. The company fosters a culture of innovation, diversity, and inclusion, empowering employees to grow their careers while making a real impact. Citi has been consistently recognized as a top employer, receiving accolades for workplace diversity, employee development programs, and commitment to corporate social responsibility. By joining Citi, you’ll be part of an organization that values integrity, collaboration, and giving back to the community.
📝 Job Summary
The Research Specialist 4 position at Citi involves performing moderately complex and varied assignments within the Operations – Core division. This role is part of the Research & Investigation job family and focuses on quality execution of technical and administrative tasks. You’ll work with limited supervision while servicing an expansive array of products and services, demonstrating specialized functional expertise. This position offers the opportunity to develop technical proficiency, mentor new employees, and contribute to business account management and dispute resolution processes. The role requires applying research, information gathering, and analytical skills to resolve complex customer issues while maintaining compliance with applicable laws and regulations.
🔧 Key Responsibilities
📊 Maintain large business accounts and ensure quality service delivery
🔍 Utilize computer systems to investigate disputes and resolve complex customer issues
💬 Respond to customers in writing or verbally, providing clear and professional communication
👨🏫 Act as coach and trainer to new employees, sharing technical expertise and best practices
⚙️ Participate in system testing projects due to technical proficiency and specialized knowledge
🛡️ Assess risk appropriately when making business decisions, with particular consideration for the firm’s reputation
📋 Drive compliance with applicable laws, rules, and regulations while adhering to company policy
✅ Apply sound ethical judgment regarding personal behavior, conduct, and business practices
🔺 Escalate, manage, and report control issues with transparency to safeguard Citigroup, its clients, and assets
🎯 Select the best course of action from defined options, understanding the consequences of each decision
✅ Who Can Apply?
🎓 Education Requirements:
- High School diploma or equivalent
💼 Experience Level:
- 1-3 years of relevant experience
💡 Required Skills:
- Demonstrates technical/administrative expertise
- Applies specialized functional area skills and basic knowledge including underlying professional/technical principles or standards
- Research, information gathering, and analysis skills to work with factual information
- Ability to apply judgment based on practice and precedence
- Strong computer system proficiency for investigating disputes
- Excellent written and verbal communication skills
- Coaching and training abilities to support new team members
- Understanding of how duties relate within the team/unit and how the unit integrates with others
- Ability to exchange moderately complex information with others
- Basic knowledge of the organization and its policies
📜 Certifications:
Not specified in job description
🌍 Work Location & Type
📍 Location: O’Fallon, Missouri, United States
(Also listed as: Telecommuter Missouri United States)
🏢 Work Type: On-Site/Resident
🕐 Schedule: Monday through Friday, with start time between 7:00 AM and 8:00 AM, for an 8-hour shift
💰 Salary Insights
According to the official job description, Citi offers a competitive compensation package for this Research Specialist position:
💵 Primary Location Full-Time Salary Range:
$41,600 – $53,600 per year
This salary range is determined by several factors including:
✅ Job level and role complexity
✅ Years of relevant experience (1-3 years preferred)
✅ Performance and technical proficiency
✅ Geographic location (O’Fallon, Missouri market rates)
💸 Additional Compensation:
In addition to base salary, Citi’s offerings may also include, for eligible employees:
- Discretionary incentive awards (performance-based bonuses)
- Formulaic retention awards based on tenure and performance
- Annual performance reviews with potential salary increases
📌 Note: Total compensation varies by experience, performance, and role responsibilities. This position offers competitive pay aligned with industry standards for research and investigation roles in the financial services sector.
🎁 Perks & Benefits
Citi offers one of the most comprehensive benefits packages in the financial services industry:
🏥 Health & Wellness:
- Medical, Dental & Vision Coverage – Comprehensive health insurance plans for you and your family
- Wellness Programs – Access to fitness resources, mental health support, and preventive care initiatives
- Life, Accident & Disability Insurance – Financial protection for you and your loved ones
💰 Financial Benefits:
- 401(k) Retirement Plan – Employer matching contributions to help you build long-term wealth
- Discretionary & Formulaic Incentive Awards – Performance-based bonuses and retention awards
- Employee Stock Purchase Programs – Opportunity to invest in Citi’s growth (eligibility may vary)
🏖️ Time Off & Work-Life Balance:
- Planned Time Off (Vacation) – Generous PTO for rest and relaxation
- Unplanned Time Off (Sick Leave) – Dedicated sick days for health needs
- Paid Holidays – Competitive holiday schedule throughout the year
- Parental Leave – Support for new parents (eligibility may vary)
📚 Career Development:
- Training & Development Programs – Continuous learning opportunities and skill enhancement
- Tuition Reimbursement – Financial support for continuing education
- Career Advancement Pathways – Clear progression opportunities within Citi’s global network
🎯 Additional Perks:
- Employee Assistance Program (EAP) – Confidential counseling and support services
- Commuter Benefits – Transportation and parking assistance programs
- Employee Discounts – Special offers on financial products and services
💡 Learn more: Visit citibenefits.com for detailed information on available offerings. Benefits may vary by jurisdiction, job level, and date of hire.
📝 How to Apply for Citi Research Specialist Role 2025
⏰ Important: Anticipated application closing date is November 28, 2025. Apply early to ensure consideration!
📢 Application Steps:
1️⃣ Click on the “Apply” button on the official Citi careers page
2️⃣ Register or log in to the Citi career portal (creates a new window)
3️⃣ Fill in required details including personal information, work history, and education
4️⃣ Upload your resume and any relevant supporting documents
5️⃣ Review all information carefully to ensure accuracy
6️⃣ Submit your application before the November 28, 2025 deadline
7️⃣ Save the job for future reference and track your application status
Job Req ID: 25915390
Posted: November 18, 2025
Application Deadline: November 28, 2025
📢 Share this opportunity with friends and colleagues! 😇
❓ Frequently Asked Questions (FAQs)
1. What is the selection process for this Research Specialist role?
Citi’s typical hiring process includes application review, phone screening with HR, one or more interviews with hiring managers and team members, and background verification. The process emphasizes assessing technical skills, problem-solving abilities, and cultural fit. Qualified candidates are evaluated without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
2. Is this job on-site, remote, or hybrid?
This position is classified as On-Site/Resident, located in O’Fallon, Missouri. The job description also mentions “Telecommuter Missouri United States,” but the primary work type is on-site. Candidates should plan to work in-person at the O’Fallon location.
3. What experience level is required for this position?
Citi is seeking candidates with 1-3 years of relevant experience. This is a mid-level position (Research Specialist 4) that requires demonstrated technical proficiency and the ability to work with limited supervision.
4. Is a college degree required for this role?
No, a college degree is not required. The minimum education requirement is a High School diploma or equivalent. Relevant work experience and technical skills are the primary qualifications.
5. When is the application deadline?
The anticipated application closing date is November 28, 2025. However, positions may close earlier if filled, so it’s recommended to apply as soon as possible.
6. What are the working hours for this position?
The schedule is Monday through Friday, with start times between 7:00 AM and 8:00 AM, for a full 8-hour shift. This is a full-time position.
7. Does Citi offer career advancement opportunities?
Yes, Citi is committed to employee development and career growth. As a Research Specialist 4, you’ll have opportunities to develop specialized skills, take on coaching responsibilities, and potentially advance to senior research or management roles within the organization’s global network.
8. What accommodations does Citi provide for candidates with disabilities?
Citi is committed to accessibility and provides reasonable accommodations for candidates with disabilities. If you need assistance during the application or interview process, you can review Citi’s accessibility policies or contact their recruitment team directly.
🌟 Why This Opportunity Stands Out
✅ Work for a global leader – Join one of the world’s largest financial institutions with 230,000+ employees
✅ Competitive salary – $41,600-$53,600 base pay plus performance bonuses
✅ Comprehensive benefits – Medical, dental, vision, 401(k), PTO, and wellness programs
✅ Career development – Training, coaching opportunities, and clear advancement pathways
✅ Work-life balance – Monday-Friday schedule with paid holidays and generous time off
✅ Inclusive culture – Equal opportunity employer committed to diversity and belonging
✅ Job security – Stable position with an established, financially strong organization
✅ Skill development – Technical training and exposure to complex research and investigation work