Serves as a senior function/business/product compliance risk manager for 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 the function/business/product and customer needs in a manner consistent with the Citi program framework. Primary responsibilities include monitoring compliance risk behaviors, providing day-to-day Compliance advice relating to operations, financial requirements, and guidance on the supported function/business/product and the associated regulatory rules/laws and interpretation on internal policies and procedures.

Responsibilities:

• Provide compliance support for the following areas within US Personal Banking (USPB) Operations and Personal Banking & Wealth Management (PBWM) Client Experience
  • USPB Customer Service - Responsible for executing operational processes for Branded Cards, Retail Services, and US Retail Banking including responding to incoming customer calls, inquiries, requests and online/mobile messaging sessions and referring customer requests to other areas such as Credit Operations, Collections, Fraud, and Core Operations as needed. Includes support of account retention, account maintenance, lost/stolen cards, authorized user changes, statement/invoice requests, monetary adjustments, card replacements, military service notification, open disputes, credit balance refunds, intake of Retail Banking applications for secured and unsecured credit products, banking package trade up/trade down, and privacy opt outs. Key regulations: Reg Z, Reg E, Reg CC, UDAAP, Reg B, TCPA.
  • USPB Operations Admin - Includes the Executive Response Unit (ERU) responsible for documenting, investigating, and resolving Level 3 complaints and providing management reporting. The USPB Chief of Staff function also provides support for USPB Operations by facilitating a unified strategy through collaboration, risk mitigation, work centralization and driving decisions for activities related to communication, program management, and developing requirements and optimized solutions for select platforms and tools. Key Regs: Reg Z, UDAAP, Reg B, FCRA.
  • PBWM Client Experience - Monitors the voice of the client (surveys) and important indices (e.g. JD Power, etc.) in order to feed key strategic insights to the lines of business, and identify client pain points to the appropriate business stakeholders for resolution. This leads to an end-to-end transformation of customer journeys/ experiences and transforms policies along the way. Key Regs: Reg P, FFIEC IT Handbooks for Third Party Oversite, Business Continuity and Guidelines for Info Security.
• Designing, developing, delivering and maintaining best-in-class Compliance, programs, policies and practices for ICRM. Translates ICRM strategy and goals across Citi’s clients, products and geographies in a succinct and clear manner; provide direction and guidance on the programs.
• Managing a team or multiple teams of Compliance professionals. Responsible for hiring, compensation, performance appraisals, staff development, training, etc.
• Serving as a subject matter expert on Citi’s Compliance programs. Provides expert guidance on function/business/product regulations on a real-time basis to manage compliance risk.
• Staying abreast of relevant changes to rules/regulations and other industry news including regulatory findings.
• Overseeing the monitoring and identification of regulatory developments, including enforcement actions, and new laws, regulations, rules, and interpretations or guidance relating to the supported function/business/product.
• Analysing and scoping the impact of new and complex regulatory developments across senior function/business/product.
• Advising ICRM and function/business/product management and personnel on regulatory and compliance issues and provide credible challenge.
• Participating in industry groups and trade association working groups or other forums.
• Leading initiatives and managing high-impact special project work streams with a results-driven focus to deliver solutions, including coordinating the implementation of new regulatory requirements.
• Managing strategy and responses to regulatory examinations, reviews and inquiries and internal and external investigations, as well as testing and audit.
• Designing and lead compliance and control reviews.
• Partnering with other ICRM teams and global functions, including Legal, Risk, Operations and Technology, and Finance to prevent and detect non-compliance issues and promote a culture of compliance.
• Additional duties as assigned.

Qualifications:

• Expertise with Consumer Compliance laws, rules, regulations, risks and typologies, including, but not limited to Regulations Z, Regulation E, Regulation CC, UDAAP/UDAP, FCRA, and Regulation P.
• 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 standard
• Advanced knowledge in area of focus
• Certified Regulatory Compliance Manager (CRCM) preferred

Education:

• Bachelor’s degree or equivalent experience in compliance, legal or other control-related function in the financial services firm, regulatory organization, or legal/consulting firm, or a combination thereof; experience in area of focus; strong working knowledge of function/business/product and the related operations and financial requirements
• Advanced degree (e.g. JD, MBA) a plus

-

Job Family Group:

-

Job Family:

-

Time Type:

-

Primary Location:

-

Primary Location Salary Range:

-

Citi is an equal opportunity and affirmative action employer.

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.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View the "EEO is the Law" poster. View the EEO is the Law Supplement.

View the EEO Policy Statement.

View the Pay Transparency Posting