# Citigroup: Proprietary AI

Source: https://www.bankingnewsai.com/banks/citigroup/proprietary-ai
Last updated: Oct 22, 2026

*Part of the [Citigroup AI strategy profile](https://www.bankingnewsai.com/banks/citigroup).*

## What proprietary AI has Citi built in-house?

Citi builds the employee AI layer and the agent platform itself and runs them on models from Google and Anthropic. Its flagship is Citi Stylus Workspaces, which Citi calls its 'proprietary AI platform': the internal AI rollout began in December 2024 and reached about 150,000 staff by June 2025, Stylus Workspaces became agentic in September 2025 with links into internal systems, and by September 2026 it had reached more than 180,000 people, with more than 65 million interactions with Citi's AI tools, adoption above 87% and more than 26 released versions. Stylus Workspaces runs on Google's Gemini and Anthropic's Claude. Arc, launched in April 2026, is the in-house platform for building and governing AI agents; Group Head of AI David Griffiths says it 'scales instantly, from one user to hundreds of thousands'. Tools built on the stack include Agent Assist and a generative voice response system in US Personal Banking (June 2025) and, in wealth, CitiScribe and AskWealth CIO; Citi Sky, the wealth avatar, is built on Google's Gemini Enterprise Agent Platform. Older in-house machine learning includes Payment Outlier Detection, launched in 90 countries in 2019. In October 2026 Citi hired Google's Sebastian Gnagnarella as head of applied AI and agent factory. 'We have phenomenal AI engineering capability at Citi, and we've developed that from within,' Griffiths says. Citi has not announced a foundation model of its own. ([Citigroup](https://www.citigroup.com/global/news/press-release/2025/citi-unveils-citi-stylus-workspaces-agentic-ai-turbocharging-productivity), [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution), [Banking Dive](https://bankingdive.com/news/citi-agentic-AI-tools-stylus-workspaces/760868), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/introducing-ai-agents-next-phase-citi-artificial-intelligence-journey), [Citigroup](https://www.citigroup.com/global/news/press-release/2026/citi-wealth-deploys-ai-powered-technology-to-enhance-client-experience), [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html), [Citi (Business Wire)](https://www.businesswire.com/news/home/20190626005167/en/Citi%C2%AE-Payment-Outlier-Detection-Launches-in-90-Countries), [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders))

## Which AI platforms and tools has Citi built in-house?

Systems Citi describes as its own, with the models it names. Coding tools from vendors (Devin, GitHub Copilot) are on the technology stack page.

| Platform or model | What it does | Built on | Since | Status | Sources |
| --- | --- | --- | --- | --- | --- |
| Citi Stylus Workspaces | Flagship employee AI platform for research, data analysis and multi-step workflows; since September 2025 agentic, linked to the global employee directory, enterprise platforms and project tools plus web search, so one prompt can find the top five US branded cards businesses, distill their goals and translate them into Spanish | Google Gemini and Anthropic Claude | December 2024; agentic September 22, 2025 | More than 180,000 users, 65 million-plus interactions, 87%-plus adoption, 26-plus versions (September 2026) | [Citigroup](https://www.citigroup.com/global/news/press-release/2025/citi-unveils-citi-stylus-workspaces-agentic-ai-turbocharging-productivity), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution), [Banking Dive](https://bankingdive.com/news/citi-agentic-AI-tools-stylus-workspaces/760868) |
| Citi Stylus and Citi Assist | Stylus, the document intelligence tool, gained real-time chat and a browser plug-in that analyzes articles staff are reading; Citi Assist was integrated into Microsoft Teams | Citi AI tool suite | Updates described June 2025 | In production | [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation) |
| Arc | Platform to build and deploy embedded AI agents across every business, geography and function under the same controls as any critical system; 'agents talking to other agents as part of doing business' | In-house | April 2026 | In production | [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/introducing-ai-agents-next-phase-citi-artificial-intelligence-journey), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution) |
| Agent Assist and generative IVR | Guides US Personal Banking customer service staff with procedural information, real-time transcripts and after-call summaries; the voice response system uses generative AI for call routing and self-service | Citi AI stack; models not named | June 2025 | One of the first business generative AI pilots | [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation) |
| Services onboarding review | AI cuts US client-onboarding document review from about an hour to 15 minutes | Not specified | September 2026 | In use | [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution) |
| CitiScribe and AskWealth CIO | AI note-taking for all North America wealth advisors; conversational retrieval of chief investment office views | Citi Wealth tools | Q1 2026; pilot April 2026 | In production; pilot | [Citigroup](https://www.citigroup.com/global/news/press-release/2026/citi-wealth-deploys-ai-powered-technology-to-enhance-client-experience) |
| Citi Sky | Always-on AI avatar in the Citi Wealth team for market insights and guidance | Google Gemini Enterprise Agent Platform and Google DeepMind avatar technology | April 22, 2026 | Testing with select US colleagues and clients | [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution) |
| Payment Outlier Detection | Flags payments that do not match a client's past patterns and lets the client approve or reject them before release through CitiDirect BE and CitiConnect | Statistical machine-learning algorithms instead of rules, built by Treasury and Trade Solutions | June 2019, 90 countries after a 20-client pilot | Launched | [Citi (Business Wire)](https://www.businesswire.com/news/home/20190626005167/en/Citi%C2%AE-Payment-Outlier-Detection-Launches-in-90-Countries) |

## Which Citi teams and leaders build its proprietary AI?

Citi's groupwide AI organization as described in Griffiths's October 2026 memo, reported by American Banker, plus earlier sponsors. Business lines also have their own AI leaders; headcount is not published.

| Team | What it does | Named leaders | Source date | Sources |
| --- | --- | --- | --- | --- |
| Groupwide AI | Firm strategy, governance and approach to AI; enterprise AI tools for more than 180,000 employees in 87 countries | David Griffiths, Group Head of AI (previously CTO) | September-October 2026 | [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution), [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders) |
| Applied AI and agent factory | Develops agentic AI frameworks and practical AI applications | Sebastian Gnagnarella, previously director of engineering at Google, where he led deployment of the Gemini Enterprise Platform | October 19, 2026 | [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders) |
| Responsible AI | AI governance model, AI ethical principles and an AI command center | Aida Filipovic, head of responsible AI since April 2026 | October 19, 2026 | [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders) |
| AI strategy and operations | Enterprise roadmap for AI development, deployment and adoption; operations of the groupwide AI team | Niamh O'Sullivan, head of AI strategy; Sheetal Chanderkar, COO of groupwide AI | October 19, 2026 | [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders) |
| AI-first development | Will drive the buildout of AI-native products and platforms | Role being hired | October 19, 2026 | [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders) |
| Executive sponsors | Co-sponsors of Citi's AI work globally on the Executive Management Team | Gonzalo Luchetti, Tim Ryan, Anand Selva | June 23, 2025 | [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation) |
| AI Champions and AI Accelerator | More than 2,000 colleagues who support tool adoption and feed back on the generative AI tools | Programs | June 23, 2025 | [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation) |

## What does Citi say about building versus buying AI?

Citi builds the platform and its controls. 'We have phenomenal AI engineering capability at Citi, and we've developed that from within,' Griffiths said in September 2026. 'When we deploy AI at Citi, we have to do it in a uniform way,' he added, with controls 'automated at the platform level, so colleagues do not have to conduct lots of manual checks'. ([Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution))

It buys the models and stays close to the labs. Stylus Workspaces runs on Gemini and Claude, and Griffiths lists relationships with Anthropic, OpenAI, Google and Microsoft: 'The only way to do that is to be directly connected with the AI labs doing the work.' Citi Sky is the clearest vendor build, made with Google Cloud and Google DeepMind technology. ([Banking Dive](https://bankingdive.com/news/citi-agentic-AI-tools-stylus-workspaces/760868), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution), [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html))

The in-house habit predates generative AI: Treasury and Trade Solutions built Payment Outlier Detection in 2019 on statistical machine learning 'instead of legacy rules-based logic', so controls adjust automatically as a client's payment patterns change. ([Citi (Business Wire)](https://www.businesswire.com/news/home/20190626005167/en/Citi%C2%AE-Payment-Outlier-Detection-Launches-in-90-Countries))

## What has Citi not disclosed about its proprietary AI?

Citi has not named the models behind Arc agents, Agent Assist or the generative voice response system, and has not announced a model trained by Citi; it does not publish the size of the groupwide AI team. ([Citigroup](https://www.citigroup.com/global/news/perspectives/2026/introducing-ai-agents-next-phase-citi-artificial-intelligence-journey), [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation), [American Banker](https://www.americanbanker.com/news/citi-hires-googles-director-of-engineering-shuffles-ai-leaders))

Citibank, N.A. holds granted patents on agent orchestration through a large language model gateway router (US 12,536,406 B2, January 27, 2026) and on validating autonomous AI agents (US 12,450,494 B1, October 21, 2025), but no filing we found names Stylus Workspaces or Arc. Usage figures for Agent Assist and Payment Outlier Detection are not published. ([Google Patents (USPTO)](https://patents.google.com/patent/US12536406B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12450494B1/en), [Citigroup](https://www.citigroup.com/global/news/perspectives/2025/strengthening-commitment-ai-innovation), [Citi (Business Wire)](https://www.businesswire.com/news/home/20190626005167/en/Citi%C2%AE-Payment-Outlier-Detection-Launches-in-90-Countries))

## What does the Citi profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Sep 29, 2026 | Market Guide platform relaunched with AI at Sibos | Citi Investor Services unveils an AI-powered Market Guide inside its Custody+ suite, covering more than 100 custody markets with AI search and intelligent summaries of local market practice, regulatory updates and settlement information. | [Citigroup (Business Wire)](https://secure.businesswire.com/news/home/20260929289110/en/Citi-Investor-Services-Reimagines-Market-Guide-Platform-Harnessing-AI-to-Deliver-Timely-Intelligence-for-Decision-Makers) |
| Sep 28, 2026 | Citi Ventures details its AI investment thesis | Global head of venture investing Arvind Purushotham says Citi Ventures is targeting AI across lending and underwriting, coding agents and manual knowledge work, out of more than 200 investments since 2010 and 125 active portfolio companies; underwriting shifts from pure rules to 'a combination of some rules being applied, but then some artificial intelligence being brought in'. | [American Banker](https://www.americanbanker.com/news/lending-coding-manual-work-citi-ventures-places-ai-bets) |
| Sep 22, 2026 | Group Head of AI profile: 65 million interactions | The bank says Stylus Workspaces has reached more than 180,000 people with 87%-plus adoption, AI cut US client-onboarding document review from about an hour to 15 minutes, and Citi takes part in Anthropic's Project Glasswing. | [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution) |
| Sep 14, 2026 | Citi Sky demonstrated as an 'always-on' wealth teammate | The AI avatar discusses CD renewals, checks a college fund and flags mortgage-refinancing opportunities with a Citigold client in a phased rollout. | [ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/) |
| Jun 16, 2026 | One way to deploy an agent | Markets CIO Nikhil Joshi says every agent at Citi goes through one central framework, built in 2024, for visibility and traceability. | [Fortune](https://fortune.com/2026/06/16/brainstorm-tech-agentic-ai-trust-enterprise-dynatrace-citi-ford-experian/) |
| Jun 1, 2026 | Agentic AI in cards | Mastercard Agent Pay and Citi Flex Pay capabilities in a card portfolio serving more than 70 million customers. | [American Banker](https://www.americanbanker.com/news/citis-pam-habner-is-23-on-the-most-innovative-people-in-finance-ranking) |
| May 7, 2026 | Investor day AI metrics | Core AI tools deployed to over 180,000 colleagues in 85 countries; AI code reviews free about 100,000 hours a week; Services reports 50-plus AI use cases, an 80% cut in document review time and 6,000 servicing agents in 72 countries; Cards AI models lift approval rates by 100 basis points. | [Citigroup](https://citigroup.com/rcs/citigpa/storage/public/investor-day/citi-ID26-full-event-transcript.pdf) |
| May 7, 2026 | Investor day: Citi Sky, 400 advisors, new targets | AI wealth advisor for Citigold clients from the summer; Fraser: AI applied from onboarding and underwriting to virtual wealth advisers, cybersecurity and coding. | [Reuters](https://www.reuters.com/business/finance/citigroup-targets-11-13-near-term-return-tangible-assets-2026-05-07/), [American Banker](https://www.americanbanker.com/news/to-gain-wallet-share-citi-looks-to-add-400-u-s-advisors-and-personal-bankers), [The Wall Street Journal](https://www.wsj.com/cio-journal/the-ai-superfans-companies-count-on-to-convert-the-skeptics-5b301a90) |
| May 1, 2026 | Arc agent platform launched | A platform for building and scaling AI agents, first for developers' internal use cases, then in everyday workflows; 'for the first time, we can deploy embedded AI agents at enterprise scale', said then-CTO David Griffiths. | [CIO Dive](https://www.ciodive.com/news/citi-launches-arc-scale-ai-agents/819113/) |
| Apr 28, 2026 | Brian Saluzzo named CIO | The former Google engineering executive joined in March to help optimise technology and scale AI across the bank. | [CIO Dive](https://www.ciodive.com/news/citi-appoints-former-google-exec-cio/818734/) |
| Apr 22, 2026 | Citi Sky unveiled with Google Cloud and DeepMind | Built on Gemini Enterprise Agent Platform with DeepMind real-time avatar technology; English and Spanish at launch; phased rollout to Citigold clients from the summer. | [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html) |
| Apr 9, 2026 | Citi Wealth deploys four AI tools | Portfolio Intelligence (clients), AskWealth CIO, Client 360 and CitiScribe (advisors); Joe Bonanno names Google Cloud and Palantir as technology partners for account-opening work. | [Citigroup](https://www.citigroup.com/global/news/press-release/2026/citi-wealth-deploys-ai-powered-technology-to-enhance-client-experience) |

## Common questions

### Does Citi build its own AI models?

Citi builds AI platforms and tools rather than foundation models. Stylus Workspaces, which it calls its proprietary AI platform, runs on Google's Gemini and Anthropic's Claude, and Arc is its in-house platform for AI agents. Earlier machine-learning products such as Payment Outlier Detection (2019) use Citi-built statistical models. Citi has not announced a large language model of its own.

### What is Citi Stylus Workspaces?

Citi Stylus Workspaces is Citi's flagship employee AI platform. It became agentic in September 2025, connecting to internal systems such as the global employee directory and project tools as well as web search, so staff can run multi-step research in one prompt. By September 2026 it had reached more than 180,000 people, with more than 26 versions released and adoption of Citi's AI tools above 87%.

### What is Citi's Arc platform?

Arc, introduced in April 2026, is Citi's in-house platform for building and deploying AI agents across every business line, geography and function under the same controls as any critical system. Griffiths says it scales from one user to hundreds of thousands and that Citi now has agents talking to other agents. Citi says every agent will be monitored, auditable and governed.

### Which AI models does Citi use?

Google's Gemini and Anthropic's Claude power Stylus Workspaces; Citi Sky is built on Google's Gemini Enterprise Agent Platform with Google DeepMind avatar technology; developers use Cognition's Devin and GitHub Copilot. Griffiths also lists relationships with OpenAI and Microsoft, and Citi takes part in Anthropic's Project Glasswing.

### Who leads AI at Citi?

David Griffiths, formerly CTO, is Group Head of AI. His October 2026 memo named Sebastian Gnagnarella, hired from Google, as head of applied AI and agent factory, Aida Filipovic as head of responsible AI, Niamh O'Sullivan as head of AI strategy and Sheetal Chanderkar as chief operating officer of the groupwide AI team. Business lines and functions have their own AI leaders.
## Deeper on Citi

- [What is Citigroup's AI strategy?](https://www.bankingnewsai.com/banks/citigroup/ai-strategy)
- [What AI patents, partnerships and investments does Citigroup have?](https://www.bankingnewsai.com/banks/citigroup/ai-research-patents-partnerships)
- [How does Citi use AI in wealth management, and what is Citi Sky?](https://www.bankingnewsai.com/banks/citigroup/wealth-management-ai)
- [What technology stack does Citi use for AI?](https://www.bankingnewsai.com/banks/citigroup/technology-stack)


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