Vantaggi
Citi is a market leader. As Citi goes, so goes the Financial Markets. Citi is a trend setter. The new Senior Leadership is doing it's best to stem the tide of losses.
Svantaggi
Currently, Citi is going through a major cost cutting initiative. Frequently, this makes employees feel pressure and reduces the moral and ability to WANT to do more. It is completely demotivating. One sees the penny pinching and becomes less and less optimistic that they will be rewarded for what they are doing at the end of the year. Further, Citi is not one company. The various different organizations do not work well together. Frequently, this inability to work together further delays progress and the ability of the organization to turn itself around. This is also impacted by the moral issue raised above as employees with low moral are less likely to go the extra mile to help somebody else out.