Citi

Analyst

• This position is within the Cards Credit Abuse/First Party Fraud Policy Management team as an individual contributor.
• Drive credit abuse acquisition/ECM policy development/maintenance for USCC portfolios
• Manage different stakeholders – Risk Policy, Legal/compliance, IT, Regulators, Operations, Audit, governance teams etc.
• Effective communication and collaboration with senior management and other stakeholders for various policy changes
• Participate in the application of first party fraud risk policies, technology and tools, and governance processes to create lasting solutions for minimizing losses
• Contribute to risk assessments and drive actions to address the root causes that lead to operational risk losses
• Provide governance and oversight related to first party fraud losses
• Evaluate the control environment by ensuring appropriate controls are in place
• Coordinate audits, examinations, and deliverable requirements from internal and external reviewers
• Ensure project completion, special assignments, and other ad hoc activities as required
• Develop recommendations to adjust first party fraud / credit abuse policies by analyzing loss and financial performance

Assistant Vice President – First-Party Fraud Senior Analyst

• Uses commercial credit underwriting skills to analyze and assess requests primarily for larger exposure commercial customers
• Manually analyzes and decisions unsecured commercial credit underwriting requests from new and existing customers and make recommendations for requests within a limited period of time in accordance with credit department policies
• Employs decisioning to meet bank, partner and customer credit requirements
• Takes ownership to resolve issues/ inquiries with warm caring and individualized attention using a variety of resources and systems
• Performs financial analysis and makes recommendations on new and existing credits and exposures
• Assists applicants requesting large lines of credit by analyzing the customer, interpreting the request, identifying the risk factors, performing a risk assessment, and providing a summary and recommendation in the processing system
• Ensures adherence to company and credit policies, auditing procedures and department goals and standards
• Identifies and escalates credit policy opportunities through system/strategy testing and procedural reviews
• Performs efficiently while maintaining quality
• Demonstrates an understanding of customer issues and offers appropriate options to bring issues to resolution
• Expected to perform efficiently while maintaining a high quality and exceptional customer service
• Credit Underwriter should be emphatic, utilize a respectful tone
• The Credit Underwriter will ensure the customer has a clear understanding of resolutions discussed and will share job knowledge concerning underwriting
• Meets all contractual and regulatory turn-around times
• Fosters and promotes teamwork and good morale
• Performs special projects as delegated by the needs of the Credit manager, other management, customer, or partner
• Provides on-going, reliable input to management relevant to operational problems, issues, risks, and other matters

Intermediate Credit Analyst – Team Lead

Security Engineer

• Partner, coach and functionally lead IT, engineering, development and business teams through collaborative design discussions.
• Educate internal and external clients on security risk and best practices.
• Define and lead the security strategy across public cloud (GCP/AWS), private cloud, and on-prem environments with a focus on Zero Trust architecture and regulatory alignment.
• Develop and maintain cloud security reference architectures, playbooks, and control frameworks, tailored to the bank’s technology stack and third-party oversight obligations.
• Architect secure, scalable platforms for containerized banking workloads (e.g., GKE, EKS), VPC and network segmentation, secrets management, and secure compute/storage services.
• Partner with cloud engineering, platform ops, application delivery organization, and enterprise architecture to embed infrastructure security throughout service lifecycles — from ideation through production.
• Integrate security controls into CI/CD pipelines and infrastructure-as-code deployments (Terraform, Helm, CloudFormation), driving secure-by-design principles.
• Ensure compliance with banking regulations including GLBA, SOX, FFIEC, PCI-DSS, NYDFS, and OCC cybersecurity guidelines, integrating security architecture into audit and regulatory programs.

Cloud and Application Security Architect – Director

Product Manager

• Responsible for the management of one or more retail core payments products for the US Retail Bank
• 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
• Develop business cases to secure funding for new initiatives
• Participate in day-to-day product management for core products such as product delivery, client experience, and client communication strategies
• Execute client value propositions, positioning, segmentation, pricing, targeting, channel strategies, and competitive differentiation
• Oversee client and competitor market research, develop product innovation roadmap, and assist product managers in addressing fundamental trials of product commoditization
• Develop and manage product metrics and reporting

Retail Payments Product Manager – Non-Card Money Movement

• defining the strategic direction and designing secure architectures for Citi’s enterprise IAM program
• developing robust security policies
• ensuring the comprehensive security and trustworthiness of AI/ML platforms and applications
• collaborating with cross-functional teams, mentoring security professionals, and driving innovation in security testing

Artificial Intelligence, Identity and Access Management Security Architect – Director

Vice President

• Manage multiple teams of professionals to accomplish established goals
• Provide strategic influence and exercise control over resources, budget management and planning while monitoring end results
• Ensure essential procedures are followed and contribute to defining standards
• Integrate in-depth knowledge of applications development with overall technology function
• Provide evaluative judgement based on analysis of facts in complicated, unique, and dynamic situations
• Influence and negotiate with senior leaders across functions
• Appropriately assess risk when business decisions are made
• Create accountability with those who fail to maintain standards
• Oversee the performance, growth, and development of individual managers
• Champion Agile/Scrum methodologies

GenAI Development Group Manager – SVP

Project Manager

• Oversee the development of high-volume digital and print marketing assets
• Manage multiple programs simultaneously with overlapping deliverables and tight deadlines
• Collaborate with cross-functional leadership to manage client experience and expectations
• Manage the entire job intake process, including assessing requests, processing feedback and releasing final deliverables
• Hold creative team accountable for deadlines and deliverables
• Partner with marketing product professionals as well as front office product experts to assist in the design and produce necessary marketing materials.

In-House Agency Creative Project Manager – Assistant Vice President

• accountable for management of complex/critical/large professional disciplinary areas
• leads and directs a team of professionals
• establishes and oversees operational risk policies, technology and tools, and governance processes
• independently assess risks and drive actions to address root causes of operational risk losses
• serves as an oversight function working with In-Business OR and Independent Risk Teams
• drives Operation Risk Anticipation, Mitigation and Loss Recovery
• ensures Operation Risk Policy implementation and exception approvals
• informs Operational Risk Council on Sub-Segment Level OR related matters
• attends In Business Risk Committees
• leads and oversees the annual Key Risk Indicator (KRI) reviews
• monitors KRCIs triggers and thresholds and the analysis

SVP, First Party Fraud Manager

Full-stack Engineer

• Manage multiple teams of professionals to accomplish established goals and conduct personnel duties for team (e.g. design and code reviews, performance evaluations, hiring and disciplinary actions)
• Provide strategic influence and exercise control over resources, budget management and planning while monitoring end results
• Utilize in-depth knowledge of concepts and procedures within own area and basic knowledge of other areas to resolve issues
• Ensure essential procedures are followed and contribute to defining standards
• Integrate in-depth knowledge of applications development with overall technology function to achieve established goals
• Provide evaluative judgement based on analysis of facts in complicated, unique, and dynamic situations including drawing from internal and external sources
• Influence and negotiate with senior leaders across functions, as well as communicate with external parties as necessary
• 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.

Senior Vice President, Software Architecture, Application Development

• Serves as a key liaison with the Partner and will be responsible for supporting the profitable growth of the portfolio in all channels, ensuring that marketing and financial/business plans are delivered and strengthening the client relationship
• Identify and implement strategic initiatives to drive profitable sales growth
• Develop and execute strategic/tactical initiatives to improve business performance
• Create innovative and appealing product concepts and communications
• Analyze program results to improve performance and profitability
• Develop and maintain marketing strategies with partner and internal resources
• Create and manage task plans to accomplish business plan objectives
• Lead governance execution responsibilities for the portfolio to ensure a strong risk and control environment
• Financial planning and forecasting - ensure plan is achieved and recognize, anticipate and create solutions to address financial shortfalls
• Establish and maintain positive business relationships within the client's retail and financial services organizational structures
• Serve as the primary day-to-day liaison between the client and Citi internal operational, digital and functional areas
• Consistently deliver quality customer and client experiences
• Build organizational consensus in support of the client
• Maintain contract compliance including reporting requirements and service level agreements
• Manage monthly client reporting
• Actively contribute to and participate in client portfolio reviews
• Lead portfolio sales and retention efforts
• Assist in the creation and management of project plans for retail initiatives, including incentives, contests and application building strategies
• 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

Partner Management Lead Officer – Vice President

Auditor

• provide independent assurance and ensure risks are identified, controls are effective, and governance aligns with regulatory, ethical and strategic objectives
• lead and develop a team with accountability for directing audit activities and assessments
• engage with senior stakeholders upon receipt of supervisory letters/other regulatory communications
• coordinate and deliver high-quality, value-add multiple concurrent risk-based audits
• develop and maintain proactive relationships as the independent auditor with senior leadership and teams across IA, business areas and functions
• build and sustain an open, constructive and co-operative relationship with global and local regulators
• attract, motivate and develop a highly effective, diverse, talented and trusted team
• provide strategic counsel to senior business and risk leaders on AI/ control, governance and emerging risks

Chief Auditor – US Wealth, US Consumer Cards, Functions Technology

• providing independent assurance and ensuring risks are identified, controls are effective, and governance aligns with regulatory, ethical and strategic objectives
• leading and developing a team with accountability for directing audit activities and assessments of the risk and control environment for T&BE Strategy, Technology Governance, T&BE OM/AI program deliverables, Emerging Technologies, Operational Resilience and Continuity of Business
• providing the regular Technology and BDSR Risk Stripe Controls Assessments and Opinion reporting
• oversight of the regulatory deliverables for the Technology & Business Enablement IA team
• engaging with senior stakeholders upon receipt of supervisory letters/other regulatory communications
• developing and maintaining proactive, constructive, solutions-driven relationships as the independent auditor with senior leadership and teams across IA, business areas and functions across Citi to provide credible challenge and positively influence Citi’s culture, ethical conduct, governance risk management, and control frameworks
• leading the project to deploy Agility across the Technology & Business Enablement and AI team, demonstrating a tangible benefit in efficiency
• building and sustaining an open, constructive and co-operative relationship with global and local regulators leading to dialogue and trust in the IA function

Chief Auditor – T&BE Strategy & Governance, Emerging Technologies and Resilience

Data Engineer

• Analyze and optimize existing Hadoop/Spark pipelines to improve processing speed, resource utilization, and reliability
• Identify bottlenecks in data workflows and implement solutions that reduce processing time and costs
• Tune Spark jobs, Hive queries, and Impala performance through partitioning strategies, caching, and execution plan optimization
• Design and build scalable data pipelines using Spark (Scala) to process terabytes of data efficiently
• Develop robust ETL/ELT workflows that integrate data from multiple sources into Hadoop environment and Oracle data warehouses
• Implement data quality checks and monitoring to ensure pipeline reliability
• Work closely with product teams to understand requirements and deliver data solutions
• Participate in code reviews and contribute to engineering best practices
• Document pipeline architecture, data flows, and operational procedures

Senior Big Data Engineer

• Develop framework for portfolio risk assessment including evaluation of credit and financial performance across varied lending products and industry segments
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• 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
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• Has the ability to operate with a limited level of direct supervision.
• Can exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• 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.

Credit Portfolio Officer, Vice President

Marketing

• Define and execute customer segmentation strategies and marketing plans
• Analyze and challenge current engagement strategies to optimize experiences
• Develop roadmap for common marketing strategies across card portfolios
• Direct and implement product marketing lifecycle strategies
• Leverage data and marketing technology for personalized client experiences
• Drive marketing for enhancements to existing value propositions
• Develop and support annual customer marketing plan with key performance indicators
• Monitor market preferences and develop promotional strategies
• Foster commercial intensity within an agile operating model
• Collaborate with internal cross-functional teams and external agencies
• Attract, retain, and motivate a diverse team to achieve business objectives