Citigroup is taking a bottom-up approach to embedding AI across its business, with 4,000 employees trained as AI stewards.
The company’s AI tools are now available to 182,000 employees in 84 countries, and CEO Jane Fraser said on the company’s fourth-quarter earnings call in January that adoption of its proprietary tools is more than 70%. During its third-quarter earnings call, Fraser said the generative AI tool’s automated code reviews saved developers 100,000 hours per week, achieving “very meaningful productivity gains.”
The bank began piloting agent AI with 5,000 colleagues in September.
“This allows complex multi-step tasks to be completed with a single prompt. Early results are very promising and we plan to expand access to this in the coming months,” Fraser said. “Finally, we have begun a company-wide effort to systematically embed AI into our processes end-to-end.”
He also highlighted several tools to assist wealth management advisors. Citi hired an AI leader from Morgan Stanley last year To help innovate wealth technology. Tim Ryan, head of technology, told Reuters the bank is using AI to speed up the customer onboarding process and retire outdated software.
In June 2025, the bank doubled down on its AI ambitions and appointed a new leader to lead its technology transformation.