Pros
Room for growth when it's available. Great salary when you get to underwriting (no bonuses). Great people to work with, and benefits are very good.
Cons
0 loyalty, 0 transparency, and 0 HR assistance. Citi will treat you well until they don't need you anymore, then they will be happy to lay you off or make you work an insane amount with no thank you. There is absolutely no transparency from upper levels of management. They will break endless promises and shift you as needed. If you run into issues with your paystub or Citi related benefits, good luck. I was still on their payroll over a month after my last day (quit voluntarily) and had to reimburse them all of the money they accidentally paid me. I couldn't even get a letter saying I didn't work there anymore so I could sign up for health insurance elsewhere. And couldn't even get someone on the phone (except for a call center in India). Would hate to think of what happens to people who REALLY need HR help. Escalated ethics concerns as well but didn't see any changes. Like any other corporation, Citibank is willing to screw you over if it benefits their bottom line. They are great to work with until they aren't, so tread carefully.