Citi

Merchant and Loyalty Rewards Integrity Intelligence Analyst, Assistant Vice President

Citi

full-time

Posted on:

Location Type: Hybrid

Location: Jacksonville • Florida • Montana • United States

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Salary

💰 $87,280 - $130,920 per year

Job Level

Lead

About the role

  • Monitor and synthesize internal and external intelligence to identify emerging rewards-abuse schemes, including promotional abuse, manufactured-spend analogs, account linkage manipulation, referral or bonus gaming, and adversarial earn-and-burn strategies.
  • Conduct qualitative and quantitative analysis to evaluate risk indicators, summarize patterns, and identify trends affecting Citi’s rewards ecosystem.
  • Assess at-risk accounts and behaviors, identify signals of potential abuse, and document findings clearly for internal partners.
  • Serve as a liaison between the FFC and industry working groups, gathering insights on new reward-abuse tactics and mitigation approaches.
  • Participate in external fraud/loyalty-abuse roundtables and information-sharing forums; bring intelligence back into Citi for action.
  • Work closely with Fraud Policy & Strategy, Product Teams, Data Analytics partners, AML, Citi Security & Investigative Services, and other internal stakeholders to share emerging intelligence and coordinate assessments.
  • Maintain detailed investigative notes, intelligence summaries, and analytical artifacts within case-management systems.
  • Balance day-to-day investigations with longer-term research initiatives and prioritize assignments based on criticality, emerging risk, and organizational needs.

Requirements

  • 2–5 years of relevant experience in one or more: Rewards abuse investigation, Loyalty or credit-card rewards operations with exposure to abuse cases, Fraud investigations in card or retail banking, Financial crime analysis or intelligence roles
  • Experience identifying or analyzing manufactured spend (MS) or MS-adjacent flows
  • Experience engaging with, monitoring, or researching forums, online communities, blogs, or groups where reward optimization, MS, arbitrage, and abuse tactics are actively discussed.
  • Strong analytical ability to identify subtle indicators and emerging patterns across qualitative or semi-structured inputs.
  • Strong written and verbal communication skills; ability to summarize complex information clearly.
  • Highly curious, detail-oriented, and capable of independent judgment with limited supervision.
  • Demonstrated ability to build cross-functional relationships.
  • Preferred Direct prior work in: Credit-card loyalty programs, Offer/promotion design or governance, Merchant-funded rewards ecosystems, Financial fraud investigations
  • Exposure to fraud lifecycle concepts and risk management practices.
  • Experience briefing leadership or participating in working groups.
  • Familiarity with MS mechanics (e.g., gift card chains, pseudo-MS escalations, liquidation paths, partner loopholes).
Benefits
  • medical, dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • planned time off (vacation)
  • unplanned time off (sick leave)
  • paid holidays
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
rewards abuse investigationfraud investigationsfinancial crime analysismanufactured spend analysisrisk managementdata analysisqualitative analysisquantitative analysiscase management systemscredit-card loyalty programs
Soft Skills
analytical abilitywritten communicationverbal communicationdetail-orientedindependent judgmentcross-functional relationship buildingcuriosityorganizational skillsprioritizationcollaboration