citi bank cover letter

Application Process

Where will your first step take you? Learn more about our application process, how to get started and what to expect along the way.

1. Get to Know Us

Learn more about who we are and what we offer.

Check us out on social media and discover #LifeatCiti

2. Take the Next Step

Search and apply for your dream job.

Search for Jobs

Take a look at our available roles and discover what fits you best.

Create Your Account

Upload your resume and cover letter, as well as save jobs that you’re interested in. Creating an account makes applying easy and puts you one step closer to joining our team.

Submit Your Application

Click submit and let us give your application the attention it deserves. Our response times will vary, so please check the job portal periodically to stay updated on your application status.

Start Your Search >

3. We’d Love to Meet You

Learn what to expect during the interview process.

Pre-screen Interview

Our recruiters contact selected applicants as the first step in our interview process. From there, they’ll be able to advise you on next steps and if you’ll be moving forward in the process to speak with the hiring manager.

Hiring Manager and Team Interviews

You’ve got potential! Your qualifications align with what we’re looking for and we want to know more about you. Your recruiter will set up one or more interviews for you with your potential future manager and teammates, which can be conducted in person at a Citi office or virtually via video call.

Final Interview

We’re impressed! We’ve enjoyed getting to know you and think your experience and talents are well-matched to the job opportunity.

4. Welcome to Citi

We’re thrilled to have you join the team!

We’re excited that you made it this far! Expect to hear from your recruiter soon. They’ll contact you to make an offer, share additional details about the position and can answer any questions you have about working at Citi.

Your recruiter will also share next steps in the onboarding process and provide information about our onboarding portal – this will help prepare you for your first day and #LifeatCiti!

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“Take time and connect with people in the industry and/or the company you’re interviewing at to understand more about the company, culture and open roles. Read the Wall Street Journal or other financial magazines regularly.”

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Cover Letter for Citibank

Citibank, one of the leading banks in the world, is looking for a new employee for their credit card department. The ideal candidate would have excellent customer service skills, be able to work independently, and be able to handle difficult situations.

The credit card department is a fast-paced environment that requires someone who can stay organized and focused. The cover letter should highlight the candidate’s skills and why they are the best person for the job.

A Cover Letter is an important document to submit with your resume when applying for a job. It is a way to introduce yourself and highlight your qualifications and experience. When applying for a job at Citibank, be sure to include a Cover Letter that explains why you are interested in the position and why you are the best candidate.

Dear Hiring Manager,

I am writing in response to your Citibank job posting. I am confident that I have the skills and experience that would make me the perfect candidate for the position.

I have over six years of experience working in the banking industry. I have a proven track record of delivering results and exceeding expectations. I am proactive and motivated, and I have a strong interest in developing my skills further.

I am confident that I can be a valuable asset to your team, and I look forward to discussing this opportunity further with you. Thank you for your time and consideration.

[Your Name]

Cover letters are often considered to be a waste of time, but when done correctly, they can be extremely beneficial. A well-written cover letter can show a potential employer that you are interested in the position and that you have the skills required for the job. It can also help to set you apart from the other applicants.

When applying for a job at Citibank, it is important to include a well-written cover letter.

• Keep it brief
• State your objective
• Mention your experience
• Highlight your skills
• Use a positive tone

In conclusion, a cover letter should be well written, concise, and to the point. It is your opportunity to introduce yourself and explain why you are the best candidate for the job.

Take the time to personalize each letter and make sure it is addressed to the correct individual. Finally, always follow up with a phone call to ensure that your application has been received.

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The cover letter that will get you a job in a bank

Do you really need to write a cover letter when you're applying for a job in an investment bank? These days, it's surely all about the skills in your CV - who's got the time to read that extra blurb saying how perfect you are for the role?

Recruiters working with experienced hires certaintly don't have the time. Most of the banking recruiters we speak to treat the cover letters (or 'cover emails') they receive from experienced candidates as an irrelevance. "For experienced roles, we rarely look at cover letters," says the CEO of one London-based financial services recruitment firm. I just go for the CV," agrees another. "I look at the CV and then I phone them. - If the CV is relevant, I'll get everything that would have been in the cover letter from that call." 

This doesn't mean you should just attach a CV/resume with no introductory email. It does mean that the introductory email might not be read - but you still need to make sure you don't make common mistakes like referencing the wrong bank, or forgetting to attach your CV altogether.

However, there some situations in which cover letters can make all the difference.  

These include:

• When you're applying for graduate jobs in banking.
• When you're applying to banks directly (without going through external recruiters),
• And... when you happen to be using a recruiter who simply likes cover letters (hard to tell!).

"For graduate hires, cover letters are very important," says one headhunter. Just how important is reflected by the fact that some banks specify them as a must-have in the ir graduate recruitment process .   Banks like Goldman Sachs, Citigroup, Barclays, Morgan Stanley and Macquarie typically all demand that their would-be analysts in Europe write cover letters or something very similar, says Victoria McLean, a former Goldman Sachs recruiter and founder of banking CV specialists, City CV.   "Some banks still ask for specific questions to be answered around motivation, strengths and key behaviours/competencies (these are of varying word counts depending on the bank)," she says.

Goldman Sachs historically demanded that recruits write a 300 word personal statement as a cover letter. A former recruiter at the firm told us it was  very important. "Some students were excellent until they got to the cover letter," - those 300 words let them down.

What makes a good banking cover letter? Mai Le, a former Goldman Sachs investment banking associate who ran  CoverLetterLibrary , a community which houses a collection of cover letters that have enabled juniors to get jobs at banks in the past. Le says the best cover letters have two things in common: narrative structure (they emphasize your story and show the choices that brought you here) and facts and figures that underscore your background and achievements. By comparison, Le says the worst banking cover letters suffer from key-word stuffing, irrelevant information and spelling and grammatical mistakes.

It can help to follow a general template... 

You need to tailor your cover letters for each job you apply to. But this doesn't mean that you can't write a cover letter that follows a template. It does mean that each time you apply for a new job, you will need to fill in the template all over again.

McLean suggests your template follows the following format: Introduction. Why me? Why you? Why this job? In total, the text within the template should be no more than 750 words, or one A4 page, long. Le says some candidates also use a format that's ordered as, Why this job? Why this bank? Why me?  "It's a matter of personal preference," she says. Ultimately, you want all these elements in the cover letter and should go with which ever you feel comfortable with.

Either way, here's what to include.

The easy introductory paragraph

The first paragraph is all about explaining why you're writing. If you're applying for a graduate job in a bank, keep it short and sweet.

"The first paragraph is just to say who you are and why you're writing the letter," says McLean.

This paragraph might read something like. "I am an X with X year history of X at global banking firms including X as well as X. I have been working for X for the past X years."

If you're writing a Goldman Sachs cover letter that's 300 words or less, you can ditch this style of opening paragraph. - There's just no space for it.

If you're writing to a recruiter, there's less need to be quite so brief with your introduction. Say who you are, and explain why you've approached that recruiter in particular: "If someone says they've been referred to me by someone I know and respect, I will sit up and pay attention," says one U.S. recruiter. "The same applies if they say they've learned that I mentor women and that this is something they're interested in too."

In other words, when you're writing a cover letter to a recruiter, you need to know who you're writing to. Use this introductory paragraph to address them in person. Flattery will get you everywhere.

The selling yourself paragraph. 'Why you?'

The second paragraph is usually harder. This is where you need to start selling yourself, expressing your personality, and explaining why you're such a hot catch. It's here that you can add in some of the narrative explaining how you came to apply for this role, plus some of the substantiating figures that Le says make successful cover letters so effective.  Don't  use bland and empty phrases like, "I am a determined, motivated person." Do look at the key words and skills used to describe the job you're applying for and (without too obviously reiterating the ad) explain how you match them. Focus on the results and on  outcomes you've achieved in similar situations in the past.  You need to be specific and you need to bring yourself to life.

If you're writing a cover letter to accompany a graduate application, McLean says you can use the second paragraph to talk about what you've studied and how it's relevant. If you've studied finance and know how to do a DCF, now's the time to mention that. If you haven't studied finance but have good relationship management skills and you want to work i n M&A (a relationship-focused business), say that here. Provide EVIDENCE for the skills you're claiming to have.- List any awards you've won. Never, ever, make empty statements. "Many successful trading cover letters feature the candidate's trading return profile and their rationales for their success or failure," says Le. " - Cover letters for sales positions highlight the candidate's track record that evident their ability as a natural salesperson."

The motivational paragraph. 'Why this job (in this sector?)'

If you're an experienced hire applying through a recruiter or applying directly to a bank, this is where you explain why you want the job you're applying for. If you're a student applying for a first job, this is why you need to explain why you want this job and why you want to work in this sector. Be specific -  you'll need to know about the job and the sector before you start this section.

As a student, you'll need to link your skills back to your motivation for working in that area of banking above others, says McLean. Why M&A? Why not sales and trading? Why not compliance?  - If you want to work in operations , for example, explain how you have a passion for building systems and improving efficiency, as evidenced by your system for serving customers in your weekend job...

"You should include what you love about the industry to which you are applying," says McLean. "Why is it important to YOU? Why does it matter to YOU? How does it make a difference to YOU? and why is it interesting to YOU? Especially valid for Graduates: Why finance? Why investment banking / asset management?  before addressing the specifics of the division or programme to which you are applying. The key is to make this personal…. This is where most grads go wrong in their cover letters, they sound too generic and impersonal."

The connection paragraph. 'Why this bank ?'

The fourth paragraph is all about explaining why you want to work for that particular bank. Again, you need to be specific. McLean says graduates often copy and paste from banks' own websites. For example, it's not unheard of for them to write, "I want to work for Goldman Sachs because you have 170 locations across 90 cities in over 30 countries."  This will get you nowhere.

"The idea is not to flatter your potential employer but to identify what makes them a good choice for you and you a good fit," says McLean. "Telling Goldman or Citi you want to work for them because they are the best is not going to impress anyone. However, writing that it’s an opportunity to work with some of the best minds on the street and that you want to be held to those same exacting standards is a bit more engaging." But you need to put this in your own words: you need to make it personal and say what the banks strengths mean to YOU.

The other ex-Goldman Sachs recruiter we spoke to said she particularly looked for, "creativity and effort and writing about Goldman Sachs," when running through students' cover letters. People were expected to say exactly why they wanted to work for Goldman rather than, say, J.P. Morgan.

Instead of just reiterating what you've read on banks' websites, therefore, you need to cite some unusual reasons for choosing that bank that will make you stand out. If you're a student, it helps to say that you've met some of the banks' staff and were impressed by them.  Citigroup, for example, suggests that  student cover letters  reference encounters with the bank's staff at recruitment events. - Make a note of the staff you meet and explain what they said or did that impressed you, and what made you think you'd like to work with them.

Mark Hatz, a former M&A associate at Goldman Sachs and Perella Weinberg Partners who now helps people get jobs in banking , says stressing your rapport with people you've met from the firm is particularly important when you're applying for a job in M&A or capital markets: "These are advisory businesses and they want to see that you can build a rapport and work in a team. If you get the job, you'll also be spending a lot of hours in the office with these people, so showing you like them is very important."

It also helps to reference the bank's strategy, to mention any awards the bank won, and to cite any conversations you've had with or comments you've read from other industry professionals and analysts who've given concrete reasons why it's good place to work. Everything in this section needs to be positive. - You need to explain why you want to work for Deutsche Bank specifically without writing anything that denigrates its rivals. The more senior you are, the more you will need to reference solid strategy points at this stage.

"Show a grasp of where they are going, what the plan is and why this appeals to you," says McLean. Show that you know their strategy and that you agree with the way they're addressing challenges. "You should also write about the future of the firm. You should be planning to be there for a few years and hoping to share that future with them," McLean adds. Look at the shareholder letter in the last annual report for information on a bank's strategy.

The call to action

Finally, you need to end the cover letter with a call to action. McLean suggests completing the letter with the following sentence: "I really look forward to hearing from you. I am available for interview and contactable by X.'

Simple. Except all of this has to be written in 750 words - or just 300 if you're a student applying to Goldman Sachs. It's not so easy after all.

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What You Should Know About The Citigroup Hiring Process

Most people have heard of Citigroup Inc., as one of the world's largest banking and financial services companies. But, how much do you know regarding the Citigroup hiring process? If you want a career at Citigroup, you need to know what the process looks like, and this article will go over all aspects of a job interview at Citigroup Inc.

What Does the Citigroup Job Application Process Look Like?

The Citigroup job application process is fairly straightforward, and they have various open positions that you can apply for. Here's an overview of the steps you need to take to apply for a job at Citigroup:

Get to Know Us ( About Citigroup )

Search and apply for the job

Interview Process

Get to know us (about citigroup).

Citigroup is a large company with many different departments and areas of expertise. Before you apply for a job, take some time to learn about the company, who they are, what they do, and what they offer. You can check out their website, social media sites or read up on them in the news. This will show that you are interested in Citigroup and have taken the time to learn about them.

Search and Apply for a Job

The easiest way to search for jobs at Citigroup is to go to their website and use the job search bar. You can also browse by location, department, or job type. Once you find a job that interests you, click on the "apply now" button and follow the instructions.

You can also create an account to upload your cover letter and resume. This will make your Citigroup job application easier to find and process more quickly.

You can then submit your application and wait to hear back from the hiring manager and take part in the Citigroup hiring process.

The interview process at Citigroup consists of three steps: Pre-screen Interview, Hiring Manager and Team Interviews, and Final Interview.

Pre-screen Interview

The Citigroup job interview process usually starts with a pre-screen interview. This is typically done over the phone and with either a recruiter or an HR representative. The job interview begins with the recruiter contacting those selected as prospects. They'll be able to advise you on the next steps and, if you're moving forward in the process, whether or not you should speak with the hiring manager.

Hiring Manager and Team Interviews

Suppose you're successful in the pre-screen interview. In that case, you'll be asked to participate in a series of interviews with the hiring manager and their team, which can be conducted virtually via video call or in-person at a Citi office. The company is interested in your credentials, consistent with the job they're searching for. They'd want to learn more about you.

You'll need to prepare for these interviews by gathering information about the job you're applying for, as well as Citigroup itself.

Final interview (phone or in-person)

Once they've gone over your resume and work samples with their team, then it's time for a final interview. It is the last step of the Citigroup hiring process before the onboarding. They might be impressed by your background and credentials and consider you for the role. If successful, you will get an offer and take part in Citigroup onboarding.

If you're successful in your job application, then it's time for onboarding. This is when new employees go through their orientation process, which includes training on company policies and procedures and learning about what Citigroup does, their culture, and the functions of each department.

The Citigroup hiring process is pretty simple as long as you stay on top of it by keeping up with all deadlines and completing every step in a timely manner. If you do this, you'll be able to find success in your application; however, it's always best to prepare by gathering information about the company and its hiring process before you apply.

You can use sites to get the most out of your job search, such as Recruitmently. Here at Recruitmently , we will connect you to our dedicated recruiter, who will help you throughout the Citigroup hiring process.

Citigroup is a well-known and respected company with a long history of success. They are always looking for talented, hardworking employees to join their team, so it's important to do your research and do your best in the job application process.

Here at Recruitmently, our top-rated recruiters will provide you with career coaching and advice, interview tips, and walk you through the Citigroup hiring process from start to finish. So book a recruiter today and get started on your career journey!

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CV & CoverLetter - S&T Citi, Internship - No mercy please !

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Hello there fellow monkeys,

I am about to apply for a summer internship in S&T at Citi, London. Here are my attempted CV and Cover Letter. I would appreciate your criticism and suggestions on how to improve them to a more competitive level.

Thanks in advance!

saved - will respond later

CV good, cover letter not so good. I don't really understand why all of your sentences start with a verb, it makes for strange reading. some clumsy grammar especially in second paragraph. also perhaps more emphasis on markets is needed, ideally a particular desk (choose this wisely!). finally a company cannot be a mentor, a mentor is a person within a company (or just a person).

also on CV what is I finance? International Finance? Investment Finance? This is not a place to use unfamiliar acronyms!

Thanks darety! yes, the cover letter needs a lot of improvement and will try to rethink it asap. Would focus on my understanding/passion for markets as you said, and will try to tailor it for the Equities desk. However, do you think its advisable to include a firm preference in the cover letter? Wouldn't it narrow my chances of getting the job at all if, let's say, equities has already been proffered by more competitive applicants? In the CV,"I" is for "international".... I mistakenly thought that I cured it of typos...

I loled at the "yours faithfully"

why? shouldn't a letter end in that format?

stating a preference won't hurt you, just make it clear it's a preference not a requirement. i work in AM and I said I wanted to work in high yield corporate debt on my cover letter and interviews - I got an offer for global equities!

I have tried to revise the cover letter and modified most of par 1&2. Will appreciate if you guys look at it and say if you identify any improvement and suggest any further correction that could be made. Thanks!

No hate, but just reading it, I can deduce you do not know much about valuation - as you are trying to convey. Also, EBITDA , not EBITA.

I didn't read any of this, but why are you just applying to Citi ?

Citi is the only remaining place that offers S&T internships where the deadline hasn't yet expired ! London.

Cover Letter: The first big paragraph is extremely weird, I would really take it down a notch, I know you are trying to show passion but trying to use passionate sentences in the CL is not the way to do that. THe way to do that is through objective things you have done and skills you have. Also stay away from saying things like you adding value, you wont be adding value for a while, and even if you are the tits, its a bit annoying reading a CL where a 20 yo kid is saying to an experienced professional how he can add value.

CV: -WHats "I finance"? -Your dates are messed up, not consistent at all -I die a little bit inside every time i see current affairs as an interest -Overall I like how you focus your bullets, reads like you actually did things instaed of participated at first glance, if i had to nitpick, on the first bullet take away "clear" from the ppt description, not really something to brag about that your PPT's are "clear", just a bit weird.

Any questions about the interview process etc feel free to email me.

You didn't actually hide any of your personal information..

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Investment Banking Winter Internship - JOHANNESBURG

You are the brains behind our work.

You are ready to bring your knowledge from the classroom to the boardroom and Citi wants to help you get there. Whether it is honing your skills or building your network, we know that success cannot come without growth.

Our Winter Internship programme is a 4-week paid vacation internship programme commencing for undergraduate university students. The three-week programme offers in-office work experience in our Investment and Corporate Banking business areas.

We provide you with the knowledge and skills you need to succeed.

Whether you have prior financial industry experience or not, this 3-week internship provides an opportunity to work for one of the world’s largest financial services organisations. If your internship is successful, you could be considered for one of Citi’s full-time graduate or analyst programmes. These uniquely designed full-time programmes place university graduates in specific functional teams within the bank. Our full-time programmes start with extensive classroom training and the opportunity to complete globally recognized qualifications.

Your time here will look something like this.

Hands on work experience as a member of either the Corporate or the Investment Banking business unit.

Get a solid understanding of the broad range of financial services and products Citi provides.

Learn to build financial models and develop corporate finance solutions for our clients - we strive to create the best outcomes for our clients with financial ingenuity that simple, creative and responsible solutions.

Conduct research and analyze industry trends to support our bespoke advice and superior value proposition.

Participate in client development - Citi aims to be the best banking partner for our clients by delivering differentiated client experiences and maintaining a reputation of excellence and integrity. 

We want to hear from you if...

We look for highly motivated candidates with a strong work ethic, a positive and proactive mindset, and a firm desire to learn and succeed.

A keen interest in financial markets and current affairs is critical.

We value diverse thinking and encourage students from all degree disciplines to consider our opportunities.

Studies in Finance, Accounting, Economics, Mathematics, Actuarial Science, Engineering and Information Technology subjects are beneficial but not essential.

A strong academic record at both Matric and university level is important.

Applicants to attach their CV, Cover Letter, Update Academic History, and ID Copy.

Who we think will be a great fit...

Extensive work experience is not a requirement, but dedication to learning and a true passion for the business are vital. We will be looking for the following:

Desire to develop a deep understanding of the financial markets and banking industry.

Analytical and quantitative skills.

Strong communication, planning and organizational skills.

Knowledge of the global or domestic business landscape.

A strong desire to learn and success in team environments.

Commitment to personal growth and career development.

We review applications on a rolling basis and therefore encourage you to apply as soon as possible. Successful candidates will be offered a competitive salary. The role will be based in South Africa. Citi is an equal opportunity and affirmative action employer.

------------------------------------------------------

Job Family Group:

Job Family:

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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How to Write a Cover Letter That Will Get You a Job

I ’ve read thousands, maybe tens of thousands, of cover letters in my career. If you’re thinking that sounds like really boring reading, you’re right. What I can tell you from enduring that experience is that most cover letters are terrible — and not only that, but squandered opportunities. When a cover letter is done well, it can significantly increase your chances of getting an interview, but the vast majority fail that test.

So let’s talk about how to do cover letters right.

First, understand the point of a cover letter.

The whole idea of a cover letter is that it can help the employer see you as more than just your résumé. Managers generally aren’t hiring based solely on your work history; your experience is crucial, yes, but they’re also looking for someone who will be easy to work with, shows good judgment, communicates well, possesses strong critical thinking skills and a drive to get things done, complements their current team, and all the other things you yourself probably want from your co-workers. It’s tough to learn much about those things from job history alone, and that’s where your cover letter comes in.

Because of that …

Whatever you do, don’t just summarize your résumé.

The No. 1 mistake people make with cover letters is that they simply use them to summarize their résumé. This makes no sense — hiring managers don’t need a summary of your résumé! It’s on the very next page! They’re about to see it as soon as they scroll down. And if you think about it, your entire application is only a few pages (in most cases, a one- or two-page résumé and a one-page cover letter) — why would you squander one of those pages by repeating the content of the others? And yet, probably 95 percent of the cover letters I see don’t add anything new beyond the résumé itself (and that’s a conservative estimate).

Instead, your cover letter should go beyond your work history to talk about things that make you especially well-suited for the job. For example, if you’re applying for an assistant job that requires being highly organized and you neurotically track your household finances in a detailed, color-coded spreadsheet, most hiring managers would love to know that because it says something about the kind of attention to detail you’d bring to the job. That’s not something you could put on your résumé, but it can go in your cover letter.

Or maybe your last boss told you that you were the most accurate data processor she’d ever seen, or came to rely on you as her go-to person whenever a lightning-fast rewrite was needed. Maybe your co-workers called you “the client whisperer” because of your skill in calming upset clients. Maybe you’re regularly sought out by more senior staff to help problem-solve, or you find immense satisfaction in bringing order to chaos. Those sorts of details illustrate what you bring to the job in a different way than your résumé does, and they belong in your cover letter.

If you’re still stumped, pretend you’re writing an email to a friend about why you’d be great at the job. You probably wouldn’t do that by stiffly reciting your work history, right? You’d talk about what you’re good at and how you’d approach the work. That’s what you want here.

You don’t need a creative opening line.

If you think you need to open the letter with something creative or catchy, I am here to tell you that you don’t. Just be simple and straightforward:

• “I’m writing to apply for your X position.”

• “I’d love to be considered for your X position.”

• “I’m interested in your X position because …”

• “I’m excited to apply for your X position.”

That’s it! Straightforward is fine — better, even, if the alternative is sounding like an aggressive salesperson.

Show, don’t tell.

A lot of cover letters assert that the person who wrote it would excel at the job or announce that the applicant is a skillful engineer or a great communicator or all sorts of other subjective superlatives. That’s wasted space — the hiring manager has no reason to believe it, and so many candidates claim those things about themselves that most managers ignore that sort of self-assessment entirely. So instead of simply declaring that you’re great at X (whatever X is), your letter should demonstrate that. And the way you do that is by describing accomplishments and experiences that illustrate it.

Here’s a concrete example taken from one extraordinarily effective cover-letter makeover that I saw. The candidate had originally written, “I offer exceptional attention to detail, highly developed communication skills, and a talent for managing complex projects with a demonstrated ability to prioritize and multitask.” That’s pretty boring and not especially convincing, right? (This is also exactly how most people’s cover letters read.)

In her revised version, she wrote this instead:

“In addition to being flexible and responsive, I’m also a fanatic for details — particularly when it comes to presentation. One of my recent projects involved coordinating a 200-page grant proposal: I proofed and edited the narratives provided by the division head, formatted spreadsheets, and generally made sure that every line was letter-perfect and that the entire finished product conformed to the specific guidelines of the RFP. (The result? A five-year, $1.5 million grant award.) I believe in applying this same level of attention to detail to tasks as visible as prepping the materials for a top-level meeting and as mundane as making sure the copier never runs out of paper.”

That second version is so much more compelling and interesting — and makes me believe that she really is great with details.

If there’s anything unusual or confusing about your candidacy, address it in the letter.

Your cover letter is your chance to provide context for things that otherwise might seem confusing or less than ideal to a hiring manager. For example, if you’re overqualified for the position but are excited about it anyway, or if you’re a bit underqualified but have reason to think you could excel at the job, address that up front. Or if your background is in a different field but you’re actively working to move into this one, say so, talk about why, and explain how your experience will translate. Or if you’re applying for a job across the country from where you live because you’re hoping to relocate to be closer to your family, let them know that.

If you don’t provide that kind of context, it’s too easy for a hiring manager to decide you’re the wrong fit or applying to everything you see or don’t understand the job description and put you in the “no” pile. A cover letter gives you a chance to say, “No, wait — here’s why this could be a good match.”

Keep the tone warm and conversational.

While there are some industries that prize formal-sounding cover letters — like law — in most fields, yours will stand out if it’s warm and conversational. Aim for the tone you’d use if you were writing to a co-worker whom you liked a lot but didn’t know especially well. It’s okay to show some personality or even use humor; as long as you don’t go overboard, your letter will be stronger for it.

Don’t use a form letter.

You don’t need to write every cover letter completely from scratch, but if you’re not customizing it to each job, you’re doing it wrong. Form letters tend to read like form letters, and they waste the chance to speak to the specifics of what this employer is looking for and what it will take to thrive in this particular job.

If you’re applying for a lot of similar jobs, of course you’ll end up reusing language from one letter to the next. But you shouldn’t have a single cover letter that you wrote once and then use every time you apply; whatever you send should sound like you wrote it with the nuances of this one job in mind.

A good litmus test is this: Could you imagine other applicants for this job sending in the same letter? If so, that’s a sign that you haven’t made it individualized enough to you and are probably leaning too heavily on reciting your work history.

No, you don’t need to hunt down the hiring manager’s name.

If you read much job-search advice, at some point you’ll come across the idea that you need to do Woodward and Bernstein–level research to hunt down the hiring manager’s name in order to open your letter with “Dear Matilda Jones.” You don’t need to do this; no reasonable hiring manager will care. If the name is easily available, by all means, feel free to use it, but otherwise “Dear Hiring Manager” is absolutely fine. Take the hour you just freed up and do something more enjoyable with it.

Keep it under one page.

If your cover letters are longer than a page, you’re writing too much, and you risk annoying hiring managers who are likely sifting through hundreds of applications and don’t have time to read lengthy tomes. On the other hand, if you only write one paragraph, it’s unlikely that you’re making a compelling case for yourself as a candidate — not impossible, but unlikely. For most people, something close to a page is about right.

Don’t agonize over the small details.

What matters most about your cover letter is its content. You should of course ensure that it’s well-written and thoroughly proofread, but many job seekers agonize over elements of the letter that really don’t matter. I get tons of  questions from job seekers  about whether they should attach their cover letter or put it in the body of the email (answer: No one cares, but attaching it makes it easier to share and will preserve your formatting), or what to name the file (again, no one really cares as long as it’s reasonably professional, but when people are dealing with hundreds of files named “resume,” it’s courteous to name it with your full name).

Approaching your cover letter like this can make a huge difference in your job search. It can be the thing that moves your application from the “maybe” pile (or even the “no” pile) to the “yes” pile. Of course, writing cover letters like this will take more time than sending out the same templated letter summarizing your résumé — but 10 personalized, compelling cover letters are likely to get you more  interview invitations  than 50 generic ones will.

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Step Up 2 Leadership Program 2024- Retail Intern- Citi Field

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Aramark’s Step Up to Leadership (S2L) Paid Internship Program targets motivated college underclassmen and rising seniors who are eager to gain valuable business skills and leadership experience. The S2L Program is designed to provide students with key experience, expertise, and resources to help position them competitively for full-time positions post-graduation.

S2L interns gain relevant work experience, mentorship from industry leaders, and professional training to help them pursue what matters to them, both personally and professionally. Throughout the course of this premiere internship program, interns have the unique opportunity to take on leadership roles within Aramark while participating in structured program activities and development exercises.

COMPENSATION: The hourly rate for this position ranges from $19.50 to $19.75, depending on circumstances including an applicant’s skills and qualifications, certain degrees and certifications, prior job experience, market data, and other relevant factors. Additional compensation may include a bonus or commission (if relevant). This is Aramark’s good faith and reasonable estimate of the range of compensation for this position as of the time of posting.

Opportunities within the S2L program are focused in seven Career Tracks within our business and provide key milestone experiences specific to each Career Track. The S2L Program also offers a series of professional development trainings to supplement the learning that occurs through structured account experiences and on-the-job learning. S2L interns can expect:

• A paid 10–12-week experience • Career readiness training & coaching • Direct engagement with peers, mentors, and managers • Professional network & personal brand development • Structured career path conversations and learning development programs in preparation for potential full-time placement

Aramark’s S2L Program is committed to fostering communities rooted in service, inclusion, and shared prosperity, empowering all individuals to make an impact!

JOB RESPONSIBILITIES

Alongside a manager who will help coordinate and lead operations, you’ll help oversee staff, and collaborate with teammates, and help where needed.

Coordinates store operations, supporting and training the utility workers and cashiers. Assign the day’s work tasks to the Retail Associates ensuring all preparations are completed in advance for the day ahead and that the team is on task for delivering superior guest service. You are expected to serve as an example for the Retail Associate and Retail WH to aspire to; continually going above and beyond, delivering outstanding customer service, and successfully resolving any guest situations that may arise. Maintain a professional and enthusiastic atmosphere even in the absence of management.

Other duties as assigned.

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• S2L PROGRAM QUALIFICATIONS • Open to those actively pursuing a bachelor’s or master’s degree in any field of study. Please keep in mind that educational requirements may change depending on the responsibilities of the role. • Ability to work flexible hours, which may include nights, weekends or holidays according to business needs. • Must be authorized to work in the United States and not require work authorization sponsorship by Aramark for this position now or in the future. • Aramark does not offer housing with the exception of our remote Aramark Destinations locations. • PREFERRED EXPERIENCE • All majors are welcome to apply! • Strong organizational and time management skills • Great verbal and written communication skills • Must work well in both team and individualized tasks. • Strong leadership, project management, and execution skills • Dynamic working skills to handle change and ambiguity in a fast-paced environment

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The people of Aramark proudly serve millions of guests every day through food, facilities, and uniform services in 19 countries around the world. Rooted in service and united by our purpose, we strive to do great things for each other, our partners, our communities, and our planet. We believe a career should develop your talents, fuel your passions, and empower your professional growth. So, no matter what you’re pursuing – a new challenge, a sense of belonging, or just a great place to work – our focus is helping you reach your full potential. Learn more about working here at http://www.aramarkcareers.com or connect with us on Facebook , Instagram and Twitter .

We respectfully acknowledge the University of Arizona is on the land and territories of Indigenous peoples. Today, Arizona is home to 22 federally recognized tribes, with Tucson being home to the O'odham and the Yaqui. Committed to diversity and inclusion, the University strives to build sustainable relationships with sovereign Native Nations and Indigenous communities through education offerings, partnerships, and community service.

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Judge Blocks New U.S. Rule Limiting Credit Card Late Fees

Set to take effect on Tuesday, the rule would save households $10 billion a year in “junk fees,” the Consumer Financial Protection Bureau said.

By Cade Metz

In March, the Consumer Financial Protection Bureau announced that a new federal rule would cap fees on late credit card payments at $8 a month, estimating that the change would save American households $10 billion a year.

On Friday, a federal judge in Fort Worth temporarily blocked the rule, siding with bank and credit card company lobbyists who contend in a lawsuit that it is unconstitutional.

The rule was scheduled to take effect on Tuesday. Now, the lobbyists can continue their legal fight in U.S. District Court before Judge Mark T. Pittman, who granted the preliminary injunction.

The consumer bureau’s new rule would limit issuers to an $8 fee unless they could show that more money was needed to cover their collection costs. The bureau estimated that the rule would apply to more than 95 percent of all outstanding credit card balances.

The Federal Reserve previously aimed to significantly limit credit card late fees in 2010. But a loophole in its rule, which permitted adjustments for inflation, allowed banks and credit card companies to charge an average of $32 a month in late fees, according to the consumer bureau.

In announcing the new rule, Rohit Chopra, the bureau’s director, said it would end “the era of big credit card companies hiding behind the excuse of inflation when they hike fees on borrowers and boost their own bottom lines.” President Biden backed the rule, saying, “The American people are tired of being played for suckers.”

Two days later, the U.S. Chamber of Commerce joined the American Bankers Association and the Consumer Bankers Association — whose boards of directors include executives from Bank of America, Capital One, Citibank and JPMorgan Chase — in suing Mr. Chopra and his bureau. Three Texas business associations are also plaintiffs.

Cade Metz writes about artificial intelligence, driverless cars, robotics, virtual reality and other emerging areas of technology. More about Cade Metz

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Sample cover letter for Internship position at Citibank

Dear Sir/Madam,

I am a first year student studying BSc in Government and Economics at the London School of Economics and Political Science. I am applying for the Women in Finance Insight Program at Citi.

I am involved in university societies, which have interested me in the world of finance and reinforced my interpersonal skills. As a member of the Economics Society, I am organising a research proposal competition that will be held among sixth forms, focusing on quantitative easing and monetary policy. This has alerted me to the effects of government policies on capital and equity markets. I am also Deputy News Editor of the Beaver, the university newspaper, and from this I have learned the importance of working in a team and managing tight deadlines. For example, we have four days to source and write news articles, which has honed my ability to work in a fast-paced environment. Being Communications Officer of the Consultancy Society has improved my communication and organisational skills, as I am in charge of editing and sending the newsletter, as well as put me in contact with high-profile speakers whom we invite for society events.

I am drawn to Citi’s Women in Finance Program because of the breadth and diversity of the three-day course. I have had the chance to attend a presentation on securities by Goldman Sachs, and this piqued my interest in markets and the financial sector in general, as I enjoy working in a fast-paced environment and constantly learning. I am interested in capital markets origination as well as private banking, and Citi leads the markets in terms of innovation. The latest issue of Toyota Financial Services’ $1.25 billion Asset Backed Green Bond is an example of this; I am particularly drawn to the commitment towards green energy that Citi has. Citi Private Banking also interests me because of the challenge of meeting the needs of high net-worth individuals by researching and analysing markets. Its private banking division has been consistently successful in attracting the wealthiest clients. In addition, I am attracted to Citi because of its commitment to diversity and developing female talent.

I am very excited about the possibility of learning more about finance through this three-day insight programme. Thank you for taking the time to read my application.