Introducing AI Agents

We’re entering a new phase in how we use AI at Citi. 

We’re excited to introduce Arc, a new platform that will allow us to build and scale AI agents across the firm — using the same rigor and discipline we apply to all our technology capabilities and within our risk framework. 

These agents enhance human judgment by taking on tasks such as research, synthesis, preparation, and execution, reducing manual effort and accelerating how teams operate day to day.

Take one example: Today, a banker in Wealth might spend many hours preparing for a client meeting, gathering portfolio data, analyzing market trends and modeling scenarios. In the future, a team of AI agents will be able to complete this work proactively and deliver the information exactly when it is needed. By eliminating hours of manual effort, the banker will be able to spend more of their time building deeper relationships with clients and delivering more personalized, timely service. The role of the banker, therefore, evolves more decisively from coordinator to architect and advisor. 

The goal is to remove friction so we can apply more of our ingenuity and energy to where it matters. That means focusing AI on the repetitive and the manual, while deepening judgment, sector expertise and client insights.  

Over the past two years, we’ve built a strong foundation. More than 80% of the 180,000 colleagues with access to Citi AI tools use them regularly, and most have completed prompt training to help them get the most out of these tools. We’ve also modernized our infrastructure and strengthened our data to enhance our AI capabilities. 

Arc builds on that foundation. Every agent will be monitored, auditable and governed. We will know what agents are doing, how they are doing it and the value they deliver.

Arc will initially be used by our developers to build agents for specific, well-defined use cases to support our businesses and functions. Over time, access to Arc will expand to support specific needs across the firm. As this happens, colleagues will see new agents integrated into everyday workflows — helping to streamline tasks, surface insights and free up time.

The rollout of Arc keeps us at the forefront of AI. Our goal remains to make Citi the most AI-empowered financial institution in the world, and we will reach this goal responsibly.