Citi

Risk

• Participate in building champion/benchmark models for climate risk stress testing and other regulatory/internal purposes for Citi's international and U.S. secured portfolios.
• Under manager's guidance, perform data cleansing and analysis, identify static and dynamic portfolio drivers and macroeconomic drivers for portfolio risk performances, build PD/EAD/LGD models and conducting statistical analysis and backtests, perform forecast sensitivity analysis and model robustness tests, and provide model implementation and validation support.
• Create Model Development Document for validation and supporting Annual Model Reviews and Ongoing Performance Assessment of implemented models.
• Participate in model revalidation, model change and related documentation and validation support efforts.
• Ensure timely completion of assigned projects with high quality.
• Work closely with cross functional teams, including country/region’s business stakeholders, model validation and governance teams, and model implementation team.

Climate Risk Model Development – Analyst II

DevOps Engineer

• Drive DevOps culture and best practices
• Collaborate with development teams
• Optimize application deployments and performance
• Provide architectural and technical leadership

DevOps Lead – Assistant Vice President

Onboarding Specialist

• Lead a professional operations team by delegating responsibilities effectively, maintaining appropriate staffing levels, and ensuring the team consistently delivers high-quality outcomes.
• Oversee the end-to-end quality and efficiency of team output, identifying areas for improvement and implementing solutions that enhance operational performance.
• Manage the full employee lifecycle for direct reports, including performance evaluations, compensation decisions, hiring, and where necessary, disciplinary actions.
• Develop and manage team budgets, shape operational policy, and coordinate short-term resource planning to meet business demands.
• Resolve complex and high-impact operational issues, applying deep knowledge of how the team's work integrates across the broader function to deliver coordinated solutions.
• Act as a subject matter expert to senior stakeholders, providing evaluative judgment in ambiguous or high-complexity situations to guide sound business decisions.
• Uphold regulatory and compliance standards by ensuring all procedures are followed, risks are appropriately assessed, and any control issues are escalated and resolved with transparency.

Senior Operations Manager – Client Onboarding, Commercial Banking

Vice President

• Work independently to effectively execute Quarterly loss / loan loss reserve forecasting and stress testing processes (CCAR, QMMF, Recovery Plan) deliverables for one or more retail portfolios with primary focus on NA cards.
• Associated governance activities (Manager Control Assessment, End User Computing, Activity Risk Control Monitoring and its Assessment Units).
• Cross-portfolio and cross-functional collaboration on loss / loan loss reserve forecasting and stress testing analytics.
• Assist in review and challenge of existing models, and model outputs to identify areas of improvement relative to portfolio & macro-economic trends.
• Understand the calculation of reserves, components of P&L, and the impact of CECL on CCAR results besides understanding the synergies between two processes.
• Collaborate with other teams like Risk Modeling, Portfolio & New Account Forecasting, Data Reporting and Finance to complete requests on financial planning & CCAR/DFAST results and increased integration of credit risk & PPNR results.
• Perform complex risk policy analytics in terms of sizing the impact of credit/business/regulatory policies on loss performance and incorporate it into the stress testing process.
• Perform econometric analysis to estimate and explain the impact of changing macroeconomic trends on Portfolio Performance Losses, delinquency etc.
• Establish and continually evolve standardized business and submission documentation.
• Collaborate with Risk and Finance organization to understand sources of data and continue to improve the process of defining, extracting and utilizing data.
• Identify areas of improvement in BAU and drive process efficiency through process simplification and automation (VBA, SAS, etc.).
• Execute information controls (version control, central results summary) to meet business objectives with utmost clarity.

Vice President – Loss Forecasting and Stress Testing Analytics

Security Engineer

• Have direct account management and revenue generation responsibility for the U.S. Department of Defense and departments/branches, other U.S. security agencies (CIA, NSA, etc.), NATO, and AUKUS.
• Develop and execute a client-driven franchise strategy to drive profitable growth and expands wallet share in the security and defense space
• Lead analysis of market trends to identify growth opportunities and lead co-development of segment specific solutions in partnership with key industry groups, regional partners, investment banking, markets, and product partners
• Drive thought leadership and engage in policy development for key themes related to security and defense
• Represent Citi and increase brand visibility at key global events
• Develop senior trusted advisor relationships with key clients and countries
• Ensure ethical conduct and transparency in all business practices
• Understand and effectively manage the heightened role of franchise risk associated with the security and defense business
• Have a broad, strategic mindset to connect the public sector defense initiative to all parts of the firm from industry groups to government relations and second line of defense to achieve success for the firm as well as the clients and the countries being served
• Develop materials for executive consumption to build consensus and ensure that key partners in the organization are well-briefed on trends and challenges
• Participate in initial triage of opportunities to match client demands with appropriate Citi teams
• Work with government relations on messaging and relationship development

Managing Director – Head of Security and Defense, Public Sector Banking

Client Partner

• Improve the service and experience offered to our Platinum and Priority customers across the region
• Act as point of escalation and interface for risk related issues across Markets clients
• Develop and implement client driven solutions to enhance the client experience through the trade lifecycle
• Co-ordinate and ensure completion of various client requests including ISDA’s and other agreements i.e. GMRA’s etc.
• Address ad-hoc requests from institutional accounts
• Create metrics for use in client tracking and improved transparency
• Help manage sensitive issues both internally and externally in a client friendly manner, managing expectations throughout.

Client Manager

• Responsible for developing, analyzing and executing ideas and initiatives designed to achieve business growth and loss mitigation goals
• Driving credit risk initiatives in Best Buy's Existing Customer risk management with high cross-functional and partner interactions
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items on initiatives
• Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• Appropriately assess risk when business decisions are made

Credit Portfolio Officer – Vice President

Analyst

• Utilize basic industry and business knowledge to conduct analyses of hedge funds and other counterparty activities
• Contribute to the creation of customized reporting used to present information to management
• Support implementation of securities processing improvements
• Assist with identifying policy gaps and formulating policies that streamline related work processes
• Review and analyze hedge fund activities, procedures to reconcile cash/holdings and securities pricing
• Develop and use knowledge of securities, processing practices and standards
• Provide informal guidance or on the job training to lower level/new securities processing team members when required
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation

Securities & Derivatives Intermediate Associate Analyst

Data Scientist

• Partner with multiple management teams to ensure appropriate integration of data science functions to meet goals.
• Identify and define necessary system enhancements to deploy new data products and process improvements, with a focus on leveraging machine learning.
• Resolve a variety of high-impact problems and projects through in-depth evaluation of complex business processes, system processes, and industry standards, applying advanced statistical analysis and machine learning modeling techniques.
• Provide subject matter expertise in data science and advanced knowledge of AI/ML applications.
• Ensure application design adheres to the overall architecture blueprint.
• Develop complex machine learning models using the Python AI/ML stack.
• Design and implement solutions for anomaly detection, noun entity recognition (NER), and rule-based compliance policies.
• Build and deploy Agentic AI solutions using Large Language Models (LLMs).
• Utilize advanced knowledge of the machine learning model lifecycle to develop and enforce standards for coding, testing, debugging, and implementation of scalable, production-grade models.
• Develop a comprehensive knowledge of how areas of business integrate to accomplish business goals and to ensure the effective deployment of data science capabilities.
• Provide in-depth analysis with interpretive thinking to define complex business issues and develop innovative, data-driven solutions and machine learning models.
• Serve as an advisor or coach to mid-level data scientists and analysts, allocating work as necessary and fostering a culture of technical excellence.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.

Senior Data Scientist – Vice President

Director

• Lead the acceleration of Fee Reward Product growth and customer retention by defining go-forward strategies informed by analytics and market dynamics across premium card products.
• Deliver continuous product enhancements to keep Citi's Fee Reward Products competitive, including the development of refreshed value propositions and new acquisition capabilities across existing and emerging channels.
• Partner with the Premium Customer Experience team to resolve customer issues, improve core customer experience, and deepen engagement with Citi's Retail and Wealth segments.
• Partner with key stakeholders to drive customer engagement and deliver against key drivers and P&L imperatives.
• Build and manage external partnerships and deployment opportunities to expand the reach and impact of Fee Reward Products.
• Lead, develop, and support a team of direct reports, instilling a culture of accountability, commercial discipline, and continuous development.
• Ensure compliance and consistency with Citigroup’s Compliance & Control policy and local regulatory guidelines.
• Ensure compliance in all internal and external dealings with customers, partners, and regulators.

Director, Head of Fee Reward Products

Product Manager

• Assist in development and analysis of strategic product roadmaps, product enhancement and development, product launches, and product marketing to gain maximum benefit from each product
• Participate in day-to-day product management for core products such as product delivery, client experience, and client communication strategies as well as help the team prioritize, negotiate, and remove obstacles to achieve business results
• Execute client value propositions, positioning, segmentation, pricing, targeting, channel strategies, and competitive differentiation to achieve preferred status as a partner to Citi clients
• Provide informal guidance or on-the-job training to new team members
• Oversee client and competitor market research, develop product innovation roadmap, and assist product managers in addressing fundamental trials of product commoditization to create an advanced set of solutions
• Contribute to achievement of acquisition targets, product financial performance, revenue performance, and expense management goals as well as oversee identification and execution of opportunities and gaps business plans
• Implement team procedures, client problem resolution, and client management
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Product Management Lead Analyst

Operations

• Manage multiple teams or a functional area and a component of the fraud loss portfolio
• Contribute to the development of fraud management policies, processes, procedures, tactics and strategies for portfolios under oversight
• Manage fraud losses and ensure analysts make appropriate decisions, managing the execution of operational objectives and goals
• Recommend, direct and approve fraud decisions on domestic and international corporate relationships using detailed financial, industry ratios
• Redirect and participate in identifying resource needs to meet strategic objectives and initiatives, and assist in executing change initiatives
• Develop, manage and execute merchant fraud and collusion detection strategies, and identify process improvements to support the area
• Develops the information infrastructure to support improvement strategies across all portfolios
• Evaluate subordinates' performance and make recommendations for pay increases, hiring, terminations and other personnel actions
• Ensure essential procedures are followed and contribute to defining standards
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Fraud Operations Group Manager, SVP

Full-stack Engineer

• Accountable for executing and driving results on large-scale efforts or multiple smaller efforts and serving as a development lead for most medium and large projects
• Accountable for exhibiting a strong understanding of client core business functions
• Required to support situations in which end user consultation is required to identify system function specifications and incorporate them into overall system design and delivery
• Assist in the planning and managing of application development assignments generally involving large budgets, cross functional projects or multiple projects
• Expected to effectively communicate technical and business risks and impact to the business owners
• Accountable for providing guidance on architecturally significant efforts during the preplanning phase and ensuring principles and best practices are followed

Gen AI Software Engineer – Vice President

• Accountable for executing and driving results on large-scale efforts or multiple smaller efforts and serving as a development lead for most medium and large projects.
• This includes expertise with application development methodologies and standards for program analysis, design, coding, testing, debugging and implementation.
• Accountable for exhibiting a strong understanding of client core business functions.
• Required to support situations in which end user consultation is required to identify system function specifications and incorporate them into overall system design and delivery.
• Additionally, utilize comprehensive knowledge of multiple areas within technology to achieve technological objectives.
• Independent work style, requiring little or no guidance by more senior developers.
• Decisions will make a significant, measurable impact on the business goals for the client organization.
• During team discussions you will play a significant role with TPMs and engineering managers to determine potential risks to a schedule.
• Assist in the planning and managing of application development assignments generally involving large budgets, cross functional projects or multiple projects.
• This includes effectively understanding and analyzing both technical and business risks and impact.
• Expected to effectively communicate those risks to the business owners, so that they can make informed decisions.
• Accountable for providing guidance on architecturally significant efforts during the preplanning phase, and ensuring principles and best practices are followed prior to initiation of work.
• In doing so, closely watch and evaluate Digital roadmaps, including impacts to support upcoming journeys.
• Publish design review extensions, and provide documented guidance aligned to sprint plans and timelines.
• Be part of the design review board that will focus on the design process, search for generic patterns, and, at the same time, share best practices across the organization.
• Publish design patterns across lines of business and domain commonalities.
• Drive design reviews for Next Gen Architecture (NGA) and Plan of Record (POR) projects, supporting design principles and best practices.
• Participate in micro services and NGA code reviews.
• Empower SDEs and their teams by mentoring and coaching.
• Have a comprehensive understanding of the business domain, the systems, and the products in your space.
• Understand their accountabilities, boundaries, limitations, scale factors and the reasons behind architectural decisions.
• Provide a long-term perspective for business and technology choices; using technical judgment to vet architecture as required.
• Able to direct teams on how to develop and deliver systems that are efficient with resource usage such as hardware, runtime, performance, load, and memory requirements.
• Responsible for broader design decisions and development of long-term strategies that significantly influence the development process and standards.
• Accountable for Design Reviews of Agile and Plan of Record (POR) projects as well as accountable for Code Reviews of Next Gen Architecture (NGA) projects and are expected to elaborate, promote and communicate Design Patterns applicable to NGA architectures and solutions.
• Accountable for providing architectural guidance to the SDE’s based on best practices and in alignment with CTO guidelines and platform. Drive clarity and work with complete independence as business and or technical strategy is not defined.
• Provide the corresponding architectural guidance, and conduct design reviews and code reviews based on the projects assigned to your LOB. The product definition and technical planning is out of scope.
• Accountable for the overall strategy and for driving the teams inside and outside of your organization to deliver expected results.
• Drive mindful discussion with business and technical stakeholders that lead to timely decisions.
• Participate in discussions to drive smart trade-off decisions that balance efforts, delivery timelines, features, and technical constraints.
• Identify and remove blockers and always find the path forward in challenging situations.
• Create plans that have a clear path to delivery.
• Solve for dependencies between agile and waterfall delivery efforts.
• Help your teams organize for delivery while maximizing resources for the greater good of the Digital organization.
• Understand engineering best practices and apply best practices to the software development lifecycle (SDLC) Accountable for Design Reviews for Citi Agile and POR projects as well as Code Reviews for the NGA projects.
• Accountable for providing architectural guidance to the SDE’s based on best practices and in alignment with CTO guidelines and platform.
• Elaborate, promote and communicate Design Patterns applicable to NGA architectures and solutions.
• Elaborate, bring and communicate clear metrics on Design Reviews, Code Reviews, CI/CD and Design Patterns adoption.
• Communicate progress, anticipate bottlenecks, provide escalation management, identify , assess, track and mitigate issues/risks at multiple levels.
• Recognize discordant views and take part in constructive dialog to resolve them. Demonstrate the ability to implement continuous improvement and the induction of new technology.
• Demonstrate examples of influence in scrum teams beyond your own area of focus. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Vice President, Gen AI Software Engineer

• Lead implementation of fraud risk strategies for consumer and commercial card businesses with decision engine systems in accordance with defined change control procedures and controls.
• Own and manage fraud rules, scores, and detection strategies, risk appetite execution, POS interdiction strategies and defect analysis.
• Lead gathering of business requirements, testing, and implementation of projects impacting fraud decision systems as well as system incidents.
• Leverage analytics to identify enhancement opportunities and more granular insights that can be acted upon, while ensuring adherence to Fraud Policy.
• Build effective relationships within and outside the Fraud organization to help ensure successful and timely execution of key portfolio priorities.
• Collaborate with cross-functional teams to provide strategy recommendations based on data and trend analysis and implement mitigation strategies.
• Continuously improve processes and strategies by exploring and evaluating new data sources, tools, and capabilities
• Leverage customer data to build risk segmentation/ mitigation strategies and complete complex analyses to identify strategy and procedure gaps, manage implementation process across several systems to affect change.
• Lead key analytical projects within the card first party fraud analytics team and support the Card lines of business by utilizing advanced predictive analytical and statistical techniques.
• Translate data into consumer or customer behavioral insights to drive targeting and segmentation strategies, and communicate clearly and effectively to business partners and senior leaders all findings
• Work closely with internal and external business partners in building, implementing, tracking, and improving fraud capture decision strategies.
• Refine framework for change control risk assessment including evaluation of control gaps within existing processes.
• Supports Governance process, evaluating historical performance and emerging changes in the environment.
• Prioritize and provide a clear line of sight to the most critical work to partners and team members.
• Mentor and coach junior team members.