Citi

Software Engineer

• Conduct tasks related to feasibility studies, time and cost estimates, IT planning, risk technology, applications development, model development, and establish and implement new or revised applications systems and programs to meet specific business needs or user areas
• Monitor and control all phases of development process and analysis, design, construction, testing, and implementation as well as provide user and operational support on applications to business users
• Utilize in-depth specialty knowledge of applications development to analyze complex problems/issues, provide evaluation of business process, system process, and industry standards, and make evaluative judgement
• Recommend and develop security measures in post implementation analysis of business usage to ensure successful system design and functionality
• Consult with users/clients and other technology groups on issues, recommend advanced programming solutions, and install and assist customer exposure systems
• Ensure essential procedures are followed and help define operating standards and processes
• Serve as advisor or coach to new or lower level analysts

Gen AI, Python Developer – Assistant Vice President

Risk

• Support the development and implementation of the Data Governance Policy, procedures, and various other standards/methodologies.
• Accompanied by the ability to monitor the effectiveness and adoption within the business.
• Review and challenge the effectiveness of risk mitigation strategies and control measures implemented by the 1st line of defense.
• Independently assess data risks within the business to ensure acceptable risk appetite and identify any potential areas of vulnerability.
• Provide oversight of the business to understand its risk profile, compliance to Policy and Strategy, governance structures, data risk taxonomy, data risk appetite, data risk issue management, data controls framework, and metrics.
• Provide regular and detailed reports to senior management and stakeholders on the status of data risks, metrics, or assurance review outcomes.
• Analyze data to identify trends or emerging risks and provide timely recommendations to mitigate risk exposure.
• Review and analyze different types of documentation to provide feedback, enhancement suggestions or inquire additional information.
• Ensure all data risk management activities comply with internal policies, external regulations, and industry standards.
• Stay updated on regulatory changes and industry best practices to assess its impact on data risk management and support remediation.
• Promote a culture of risk awareness and accountability in the business, escalating any data risks as appropriate and collaborating with stakeholders to establish preventive measures.
• Support internal and external audits and regulatory examinations, as applicable.
• Assist in monitoring and review of various aspects within data programs including but not limited to data concerns, issues, metrics, architecture tooling, enterprise data, EUCs, data quality, and controls.
• Acts as SME to senior stakeholders and /or other team members.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a catalyst for change by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda.
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult.
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace.

Vice President – Data Risk Lead Analyst – Operational Risk Management

Sales

• Lead and manage a team of Small Business Bankers, overseeing recruitment hiring, and ongoing performance management.
• Develop the skills and competencies of the team through active coaching, regular performance reviews, and professional growth plans.
• Foster a collaborative and results-driven team culture that is focused on achieving business goals and delivering a superior customer experience.
• Identify and cultivate high-potential employees to build a strong talent pipeline for future leadership roles within the bank.
• Develop and execute strategic sales plans to achieve revenue targets, profitability, and market growth for the small business division.
• Drive new client acquisition through proactive prospecting, outside calling, and developing a strong network of internal and external referral sources.
• Deepen existing client relationships by understanding their financial needs and connecting them with the full range of the bank's products and services.
• Represent the bank in the community by participating in civic and networking events to enhance brand visibility and generate new business opportunities.
• Implement and execute a disciplined sales management process, including pipeline management, coaching, and performance tracking to ensure accountability for results.
• Manage and control risk, expenses, and compliance activities for the Region, ensuring adherence to all bank policies, procedures, and regulatory guidelines.
• Oversee the credit process, assisting with credit appeals, and ensuring that all lending activities meet profitability targets and risk-management standards.
• Develop and maintain consistent management routines to drive results, share best practices, and keep the team focused on key business priorities.
• Ensure the delivery of an exceptional client experience by monitoring service levels, resolving client issues promptly, and championing customer advocacy.
• Champion cross-business collaboration to advance a unified One Citi strategy.

Business Banking Sales Group Manager – Central Southeast Region, SVP

Account Manager

• Identify, build and deepen relationships to gain incremental wallet share of the affluent and High Net Worth segment with financial planning and excellent discovery and profiling skills.
• Anticipate the complex financial needs of the client and offer solutions through a wide range of products, services and tools based on client profiling.
• Provide regular value-added engagement with clients- High touch, face-to-face meetings at client's preferred location, consistent communication, access to seminars, etc.
• Master referral opportunities to grow portfolio.
• Proactively source, acquire and expand high value customer relationship by maximizing sale and service opportunities.
• Refer opportunities to segment partners where appropriate (including, but not limited to Lending Consultants and Financial Advisor, Small Business Partners, Relationship Manager, etc.)
• Organize client events to enhance client bonding.
• Acquire new clients through converting referral leads.
• Manage client follow-up and adhere to all Regulatory and Compliance operating procedures.
• Ensure that KYC/AML and other compliance norms are strictly adhered.
• Appropriately assess risk when business decisions are made.

Wealth Relationship Manager

Director

• Oversee the intake, prioritization, and implementation of all credit risk-related changes
• Lead the change management process for all credit risk initiatives
• Identify and manage control breaks within credit risk processes
• Manage BAU activities related to credit risk
• Collaborate with technology, operations, risk, and compliance teams
• Ensure alignment with profitability goals and enhance risk management practices
• Lead efforts to continuously improve the change management processes

Change Management & Intake Director

Analyst

• Partner with multiple management teams to ensure appropriate integration of functions, meet goals, and define necessary system enhancements for new products and process improvements.
• Resolve high-impact problems and complex projects through in-depth evaluation of intricate business processes, system processes, and industry standards.
• Provide expertise and advanced knowledge in applications programming, ensuring application design adheres to the overall architectural blueprint.
• Utilize advanced knowledge of system flow to develop and enforce standards for coding, testing, debugging, and implementation.
• Develop a comprehensive understanding of how various business areas, including architecture and infrastructure, integrate to achieve business goals.
• Conduct in-depth analysis with interpretive thinking to define issues and develop innovative solutions.
• Serve as an advisor and coach to mid-level developers and analysts, effectively allocating work and fostering team growth.
• Appropriately assess risk in business decisions, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.

Applications Development Technology Lead Analyst – Vice President

Backend Engineer

• Utilize knowledge of applications development procedures and concepts to identify and define necessary system enhancements
• Consult with users, clients, and other technology groups on issues, and recommend programming solutions
• Analyze applications to identify vulnerabilities and security issues, as well as conduct testing and debugging
• Serve as advisor or coach to new or lower level analysts
• Resolve issues by identifying and selecting solutions through the applications of acquired technical experience
• Appropriately assess risk when business decisions are made

Python Developer

• Conducts initiatives related to User Acceptance Testing (UAT) process and product rollout into production.
• Testing specialists who work with technology project managers, UAT professionals and users to design and implement appropriate scripts/plans for an application testing strategy/approach.
• Conducts a variety of tests and analyses to ensure that systems and or applications meet or exceed specified standards and end-user requirements.
• Works closely with key stakeholders to understand business and functional requirements to develop test plans, test cases and scripts.
• Executes test scripts according to application requirements documentation.
• Identifies defects and recommends appropriate course of action; performs root cause analyses.
• Coordinates multiple testers and testing activities within a project.
• Retests after corrections are made to ensure problems are resolved.
• Documents, evaluates and researches test results for future replication.
• Identifies, recommends and implements process improvements to enhance testing strategies.

Quality Analyst

Vice President

• Lead and execute risk financial loss forecasting efforts, including the design, development, and maintenance of complex credit loss and financial risk forecasting models for consumer credit products (e.g., Cards, Personal Installment Loans)
• Conduct in-depth statistical quantitative analysis of cost of credit and delinquency trends, monitoring product trends to identify key areas of risk and opportunity within product portfolios
• Analyze underlying model outputs against business expectations, ensuring models provide rational, logical, and accurate predictions
• Identify, track, and report on initiatives, performance results, and emerging trends to senior management, providing actionable insights
• Reconcile detailed financial data from disparate sources across covered portfolios, ensuring accuracy for presentations and memos prepared for regulators, business leaders, and external auditors
• Provide strategic analytics and information management across Citibank products, ensuring data quality and control standards are maintained
• Establish and nurture cross-functional partnerships and networks to support effective loss forecast execution
• Prepare and deliver compelling presentations with supportive analysis, storyboarding results, and leading discussions with senior management, Finance, Independent Risk, and audit teams as part of business review and effective challenge processes
• Assist with regulatory reviews and ensure best-in-class governance and documentation practices for these functions
• Identify opportunities for improvement in Business-as-Usual (BAU) processes and drive efficiency through simplification and automation using tools such as VBA, SAS, Python, AI, and other relevant technologies
• Act as an assistant project manager, collaborating with business users to gather requirements, draft, and coordinate approval for Business Requirement Documents (BRDs)
• Proactively assess and manage risks, ensuring compliance with applicable laws, rules, and regulations, adhering to Citi Policy, and upholding sound ethical judgment
• Escalate and report control issues with transparency

Vice President, Loss Forecasting and Analytics

Product Manager

• Drive payment product development and management for the country identifying and assessing relevant customer, competitor, and industry insights to define strategies for revenue growth
• Provide strategic insight and recommendations on innovative payment product development, targeting, and segmentation strategies, overseeing the product development lifecycle, market demands, technology trends, and the competitive landscape
• Manage all elements of the product development life cycle from ideation to launch and post-launch optimization, ensuring a structured approach to product evolution
• Lead the implementation of new FMIs (Financial Market Infrastructures) and schemes, ensuring smooth integration and compliance
• Create epics and detailed business requirements, translating strategic objectives and regulatory requirements into actionable development tasks for technology teams
• Assess current system capabilities and collaborate closely with technology teams on solutioning, identifying optimal technical approaches for new product features and enhancements
• Collaborate closely with Operations and Technology teams on new payment product rollouts, enhancements, and process improvements, ensuring seamless execution
• Review new and existing regulations, conduct thorough impact assessments, and develop comprehensive action plans to ensure continuous compliance
• Manage and deliver regulatory projects within strict timelines, ensuring adherence to all applicable local and international payment regulations
• Oversee product financial performance, identifying opportunities and gaps, and developing robust business strategies to drive portfolio growth and profitability
• Maintain comprehensive product documentation, capability grids, policies, and procedures, ensuring full compliance with local regulatory requirements and governance approvals
• Act as a subject matter expert for payment products, providing guidance and training to internal stakeholders and contributing to client engagement. This includes actively participating in client engagement activities, preparing and delivering pitches, and coordinating initiatives with key clients
• Engage directly with regulatory bodies and scheme organizations, representing the firm's interests and ensuring alignment with industry standards
• Proactively assess and manage product risk, ensuring compliance with laws, rules, regulations, and internal policies, demonstrating sound ethical judgment and escalating control issues transparently

Payments Product Manager

Financial Crime

• Partner with Relationship Management and Compliance teams to assist with the preparation, development, due diligence and approval of the electronic Know Your Client (KYC) record
• Create and maintain KYC records by obtaining information from internal and external sources (firm website, regulatory websites, etc.)
• Partner with Relationship Management and Compliance teams to update system information from initiation to approval of KYC record and report workflow progress to supervisor
• Validate the information within KYC records and Customer Identification Program (CIP) documents to ensure completion and accuracy
• Ensure KYC records incorporate local regulatory requirements / Global Business Support Unit (BSU) Standards

KYC Analyst

Support Engineer

• The Application Support Analyst is responsible having a good understanding of apps support procedures and concepts
• Analyze existing system logic and uses evaluative judgment to make recommendations and implement enhancements or fixes.
• Formulates and defines scope and objectives for changes through research and fact-finding combined with a basic understanding of business systems and industry standards; documents requirements.
• Partners with appropriate development and production support areas.
• Participates in validation and testing activities.
• Appropriately assess risk when business decisions are made.

Applications Support Analyst

• Provides technical and business support for users of Citi Applications.
• Utilizes good understanding of apps support procedures and concepts.
• Develop a comprehensive understanding of how areas of apps support collectively integrate to contribute to achieving business goals.
• Act as a liaison between users/traders, interfacing internal technology groups and vendors.
• Participates in disaster recovery testing and application releases.
• Performs post release checkouts after application releases and infrastructure updates.
• Develop and maintain technical support documentation.
• Analyzes applications to identify risks, vulnerabilities and security issues.
• Cooperation with Development colleagues to prioritize bug fixes and support tooling requirements.

Applications Support, Intermediate Analyst

• 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.

Senior Vice President – Loss Forecasting and Stress Testing Analytics

• Develop, test, validate, and implement Risk Model code packages following SDLC principles.
• In a Linux environment, utilize C and Python to develop code packages.
• Develop Linux scripts to fully automate the execution of production processes.
• Create job/schedules in scheduling tool.
• Provide analysis and detailed results of data analysis and project deliverables.
• Provide analytic support of internal processes by evaluating production data and providing ongoing support in the monitoring of production environment.
• Provide ad-hoc support for Risk Teams.
• Identify issues, document root cause and propose solutions.
• Development and maintenance of system documentation to include process flow designs, charts, decks, etc.