Citigroup has taken a bottom-up approach to embedding AI throughout the business, with 4,000 employees trained as something of AI stewards.
The firm’s AI tools are now available to 182,000 employees in 84 countries, and CEO Jane Fraser said on a fourth-quarter earnings call in January that adoption of the proprietary tools is above 70%. Fraser said during third-quarter earnings that generative AI tools have saved 100,000 developer hours a week with automated code reviews — “a very meaningful productivity uplift.”
The bank launched the pilot of agentic AI for 5,000 colleagues in September.
“It allows complex, multi-step tasks to be completed with a single prompt, and the early results are very promising, and we’ll expand access to this in the months ahead,” said Fraser. “Finally, we have launched a firm-wide effort to systematically embed AI in our processes end-to-end.”
She also highlighted several tools to help its wealth management advisors. Citi hired an AI leader from Morgan Stanley last year to help revamp its wealth technology. The bank is using AI to speed up the client onboarding process and retire outdated software, Tim Ryan, the head of technology, told Reuters.
In June 2025, the bank doubled down on its AI ambitions, appointing new leadership to helm its tech transformation.
