Fraud Risk 2nd LOD Lead Analyst Retail Bank, VP

Responsibilities Process

• Oversee implementation of fraud strategy, policy, and projects. Guide and assist in the implementation of sound and effective fraud processes and monitoring across the various North America Portfolios.
• Oversee compliance to all policies and procedures established at the group level including connected Financial Crimes disciplines.
• Support the discussion with business Stakeholders, focused on Emerging Risks & Trends, Key Initiatives, Fraud Risk Appetite, Control Framework & Proposed Enhancements to support Business Growth & Digital Expansion.
• Support fraud thematic and product oversight reviews in the region. Provide counsel on fraud cases and fraud management related policies, ensuring an independent review of policy compliance.
• Work with the compliance, operations, and credit teams to strengthen the front-end verification and other processes (e.g., identity validation, funds transfers, verification strategies).
• Facilitate and disseminate fraud risk management best practices across various North America LOBs.

• Represent the fraud function with Regional & Business teams to ensure appropriate levels of investment are made in controls, in relation to business product direction and emerging threats.
• Champion fraud awareness and best practice sharing with various business stakeholders and aid in the development of fraud risk management training modules.
• Raise the level of fraud awareness among country fraud officers and other related staff.

• Ensure fraud losses are operating within the defined Risk Appetite parameters.
• Track fraud losses versus plan and counsel /review of individual countries / portfolios. To be knowledgeable in the Banking products or Payments (including non-core) industry in terms of fraud prevention/management practice/programs.
• To work with Citi Security & Investigative Services (CSIS) in collating and analyzing fraud trends and syndicated criminal activities.
• Comply with the financial and accounting policies setup by the Risk group office.

This role entails a unique opportunity for leading a robust career in Fraud Risk Management with exposure to the life cycle of various Banking products and to senior management.

• A seasoned fraud risk professional with 5+ years of Fraud Risk Management in Consumer Banking or Payments.
• Experience on providing Fraud oversight across businesses in compliance with regulations and internal procedures.
• Understanding of Authentication, Technology & Emerging Digital capabilities.
• Understanding of analytical and statistical models supporting the digital / authentication capabilities.
• Thought leadership and clarity in presenting ideas to senior management.
• Understanding and management of various drivers and metrics and the impact on Citi’s P&L.

• Bachelor’s/University degree, Master’s degree preferred

• Core Fraud & Operational Risk skills and understanding.
• Understanding of the Customer Lifecyle in Banking.
• Strong business drive and ability to mobilize organizational commitment and support for regional programs.
• Regulatory Risk and Compliance.
• Leadership skills and ability to deliver results, working with cross-functional and virtual teams. Good business understanding and working knowledge of Fraud Risk, Authentication, Payments, Analytics, Operations, Information Security and Technology.
• Good verbal and written communications skills required in English

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In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit  Available offerings may vary by jurisdiction, job level, and date of hire.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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