Citigroup, Inc

Fraud Risk 2nd LOD Lead Analyst Retail Bank, VP

Citigroup, Inc • $114K — $172K *
Wilmington, DE 19805Hybrid
Finance & Insurance
5 - 7 years of experience
3 weeks ago
Job Overview by Ladders

Qualifications

  • 5+ years in Fraud Risk Management within Consumer Banking or Payments
  • Experience in Fraud oversight across business compliance
  • Knowledge of Authentication and emerging digital technologies
  • Familiarity with analytical models supporting authentication capabilities
  • Strong presentation skills for senior management engagement
  • Ability to manage financial metrics impacting P&L

Responsibilities

  • Oversee implementation of fraud strategy and compliance policies
  • Support discussions on Emerging Risks and Fraud Risk Appetite
  • Conduct oversight reviews and counsel on fraud case management
  • Collaborate to enhance front-end verification processes
  • Promote fraud risk management best practices across North America
  • Represent fraud function in investment discussions with business teams
  • Champion fraud awareness and training development for stakeholders

Benefits

  • Medical, dental & vision coverage
  • 401(k) plan
  • Life, accident, and disability insurance
  • Wellness programs
  • Paid time off including vacation and sick leave
  • Paid holidays
Full Job Description
This role supports fraud risk management within the Global Independent Fraud Risk team (ORM-Fraud). The role responsibilities are to provide support for Fraud Oversight for the North America businesses that includes Citi's Retail Bank and interacts closely with the Country in Business Fraud Heads and Global Fraud and Risk teams and within Operations and Technology.

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.


People:
  • 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.


Financial:
  • 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.


Development Value: 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.

Qualifications:
  • 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.


Education:
  • Bachelor's/University degree, Master's degree preferred


Competencies:
  • 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


Job Family Group:
Risk Management

Job Family:
Operational Risk

Time Type:
Full time

Primary Location:
Wilmington Delaware United States

Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00

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.

Most Relevant Skills
Analytical Thinking, Controls Lifecycle, Credible Challenge, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.

Anticipated Posting Close Date:
Jul 02, 2026

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

Citigroup, Inc Careers

Join the vibrant team at Citigroup, Inc, a leading global bank, and propel your career into the future. Citigroup offers a plethora of job opportunities that span across various fields and expertise, making it an ideal place for ambitious professionals to thrive.

Work You’ll Do

At Citigroup, Inc, you will engage in exciting work that matters. Join our team to help innovate and drive transformation in the banking industry. With Citigroup, you can lead initiatives that redefine how banking works and how financial services can empower people globally.

Innovate and Lead

Citigroup, Inc is at the forefront of financial innovation and leadership. By joining our team, you will work alongside top professionals to develop solutions that enhance customer experiences and operational efficiency. Our commitment to innovation is fundamental, and we encourage our team to push boundaries and think outside the box.

Grow Your Career

Citigroup, Inc is not just a company; it's a place where you can grow both professionally and personally. We offer robust career paths and professional development opportunities that help you reach your potential. With diverse career tracks and the support of leadership, your growth at Citigroup is limitless.

Diversity and Inclusion

We believe our strength comes from the diversity of our team. Citigroup, Inc is dedicated to fostering an inclusive workplace where everyone can contribute their best work. Through diversity training and a culture that embraces differences, we create a welcoming environment for all employees.

Benefits and Culture

Citigroup, Inc values the well-being of its employees. We offer competitive benefits packages that support the health, finance, and lifestyle of our team members. Our culture is built on collaboration, respect, and a commitment to excellence. We ensure that every team member feels valued and part of our global family.

Internship and Employment Opportunities

Start your professional journey with Citigroup through our internship programs or full-time job opportunities. We are constantly hiring fresh talent and seasoned experts who bring creativity and innovation to our team. Whether you're refining your skills or ready to lead, there's a position waiting for you at Citigroup.

Networking and Professional Development

At Citigroup, Inc, networking and continuous learning are part of our DNA. We provide platforms for employees to connect with industry leaders and peers, enhancing their skills and opening up new career opportunities. Our leadership programs and professional development initiatives ensure that you are always ahead of the curve.

Join Our Team

Explore the numerous positions available at Citigroup, Inc that match your skills and interests. We are looking for passionate, curious, and solution-driven team players who are ready to make an impact.

Stay Connected

Keep up to date with the latest in career opportunities and industry insights at Citigroup, Inc. Subscribe to our job alert emails and read our careers blog to stay ahead in your professional journey.

Explore Citigroup, Inc Jobs

Discover the exciting and rewarding opportunities that await at Citigroup, Inc. Tailor your resume, prepare for your interview, and take the next step in your career with us.

SEARCH CITIGROUP JOBS

READ CAREERS BLOG

Citigroup, Inc is where your ambition meets opportunity. Join us and transform your career while making a global impact.
Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Finance & Insurance
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ
C
* Ladders Estimates

Similar Jobs

Ad banner background

Get Ready For Your
Next Interview

More Jobs at Citigroup, Inc

More Finance & Insurance Jobs

Find similar Fraud Risk 2nd LOD Lead Analyst Retail Bank, VP jobs:

NationwideWilmington, DE