Serves as a senior compliance risk officer for US Personal Banking Operations - Customer Service - Branded Cards Independent Compliance Risk Management (ICRM) responsible for establishing internal strategies, policies, procedures, processes, and programs to prevent violations of law, rule, or regulation and design and deliver a risk management framework that maintains risk levels within the firm's risk appetite and protect the franchise. In addition, engages with the ICRM product and function coverage teams, in order to partner to develop and apply CRM program solutions that meet business and customer needs in a manner consistent with the Citi program framework.

Customer Service responds to customer inquiries and requests which may involve account maintenance, fraud concerns, completing sales offers, credit line increases, customer disputes, privacy related requests (Opt-outs), Military Service Notifications, and other matters raised by existing and potential customers. These interactions may present compliance risk and are usually covered by relevant consumer protection laws, regulations and Citi policies, such Regulation E, Regulation Z, UDAAP and others. Oversight of other ICRM risks such as Regulatory change management, issue management, as well oversight of third parties are primary responsibilities of the role. This role primarily supports Citi’s Branded Card Portfolio.

Responsibilities:

• Designing, developing, delivering and maintaining best-in-class Compliance, programs, policies and practices for ICRM.
• Translating ICRM strategy and goals across Citi’s clients, products and geographies in a succinct and clear manner; provide direction and guidance on the programs. Serves as a subject matter expert on Citi’s Compliance programs.
• Providing oversight and guidance over the assessment of complex issues, structuring potential solutions and driving effective resolution with other stakeholders.
• Identifying and assessing Citi’s key compliance risks. Ensuring compliance risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite statement and all policies and processes established within the risk governance framework.
• Monitoring adherence to Citi’s Compliance Risk Policies and measuring compliance risk through a robust control framework and ensuring that reviews are conducted consistently across each entity on a regular basis to confirm that controls identified are operating effectively.
• Performing complex analyses of comparative data, preparing and presenting regional and global reports related to compliance risk assessments, and monitoring of compliance related issues.
• Partnering, collaborating and working with other areas within Citi, as necessary.
• Keeping abreast of regulatory changes, new regulations and internal policy changes in order to further identify new key risk areas.
• Additional duties as assigned.
• 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.

Qualifications:

• Expertise of Compliance laws, rules, regulations, risks and typologies;
• Excellent written, verbal and analytical skills
• Must be a self-starter, flexible, innovative and adaptive;
• Highly motivated, strong attention to detail, team oriented, organized
• Strong presentation skills with the ability to articulate complex problems and solutions through concise and clear messaging
• Ability to work collaboratively with regional and global partners in other functional units; ability to navigate a complex organization; to influence and lead people across cultures at a senior level
• Experience in managing regulatory exams and relationships with examiners, auditors etc.
• Awareness of regulatory requirements including local and US laws, international and industry. Familiarity with consumer banking laws, rules and regulations such as Regulations E (Electronic Funds Transfer), Regulation Z (Truth in Lending), Regulation B (Equal Credit Opportunity Act), Servicemembers Civil Relief Act, UDAAP, Regulation P (Privacy), Regulation V (Fair Credit Reporting), TCPA (Telephone Communications Protection Act)  and Fair Lending and Fairness compliance requirements.
• Advanced knowledge in area of focus
• Certified Regulatory Compliance Manager (CRCM) designation, a plus.

Education:

• Bachelor’s degree; experience in compliance, legal or other control-related function in the financial services firm, regulatory organization, or legal/consulting firm, or a combination thereof; Advanced degree preferred

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Job Family Group:

Compliance and Control

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Job Family:

Product Compliance Risk Management

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$156,160.00 - $234,240.00

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 citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Anticipated Posting Close Date:

Mar 28, 2025

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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