Digital Authentication Fraud Architect, Citi

Citi

Location:
United States, Jacksonville

Category:
IT - Administration

Contract Type:
Employment contract

Salary:

103920.00 - 155880.00 USD / Year

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Job Description:

The digital multi-factor authentication (MFA) architecture & design team is responsible for authentication strategies that support digital fraud prevention across Citi. This team partners closely with Fraud Policy, Fraud Requirements, Fraud Analytics, Technology, and Identity teams to design and validate authentication frameworks that reduce fraud losses, optimize customer access, and scale operational response.

Job Responsibility:

Serve as the primary architecture and design SME for multi-factor authentication (MFA) within the digital fraud prevention domain, ensuring alignment with Citi’s risk appetite and authentication strategies
Partner with Fraud Policy, Fraud Requirements, and Fraud Analytics teams to develop and maintain settings that support risk-based authentication, reduce fraud losses, and minimize customer impact
Analyze fraud patterns across digital channels, contribute to investigation and response strategies, and ensure rule design adapts to emerging fraud threats
Act as technical subject matter expert for authentication journeys, supporting stakeholders across Fraud Operations, Technology, and Business teams in understanding orchestration flows, decision outcomes, and data attributes influencing risk decisions
Oversee the design and post-implementation validation of MFA rule changes, ensuring changes meet fraud interdiction goals while avoiding unintended impacts to customer access or operational volumes
Lead enhancements in fraud detection and error monitoring dashboards, with a focus on automating API health monitoring and surfacing real-time actionable alerts for investigation and resolution
Support strategic fraud prevention initiatives by advising on technical feasibility, coordinating with business/CISO/tech partners, and ensuring consistent policy execution across platforms
Champion cross-team collaboration and knowledge sharing by developing backups, facilitating structured training on MFA architecture, and mentoring team members on fraud risk frameworks and investigation support
Maintain situational awareness of authentication-related fraud trends and provide insights in governance forums to guide mitigation planning and control recommendations
Continuously assess process efficiencies and advocate for automation in authentication monitoring, rule validation, and fraud reporting to improve response accuracy and operational reduce overhead

Requirements:

6+ year experience in fraud risk, digital platforms, programming or related domain, preferred
Proven expertise in digital platforms, including mobile/online platforms, API-based authentication, device and behavioral intelligence, and risk-based multifactor strategies
Familiarity with device fingerprinting, orchestration layers, and customer authentication along with programming exposure
Excellent analytical skills, with the ability to interpret complex data and drive actionable outcomes
Self-starter with the ability to work independently, influence stakeholders, and drive initiatives across cross-functional teams
Demonstrated experience in Agile delivery and project management methodologies

Nice to have:

Experience with C, C++, Java
Experience with SQL, Data Warehousing, Tableau

What we offer:

Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
Discretionary and formulaic incentive and retention awards

Additional Information:

Job Posted:
August 13, 2025

Expiration:
August 18, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Digital Authentication Fraud Architect