Fraud Risk 2nd Lod Lead Analyst, Vice President Job at Citi (Wilmington)

Fraud Risk 2nd Lod Lead Analyst, Vice President

Citi

Location:
United States , Wilmington

Category:
Finance

Contract Type:
Not provided

Salary:

114720.00 - 172080.00 USD / Year

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Job Description:

The Operational Risk Management- Fraud Risk lead for Credit Cards is a pivotal role responsible for providing independent oversight, challenge, and guidance on fraud risk management strategies, policies, and controls within the Credit Card business. This role ensures the effectiveness of the First Line of Defense's fraud prevention and detection programs, advises on emerging fraud threats specific to the credit card landscape, and contributes to maintaining a robust fraud risk posture that protects the company's assets, reputation, and customer base.

Job Responsibility:

Develop, maintain, and execute a comprehensive Second Line of Defense oversight program for credit card fraud risk, including policies, standards, and appetite statements
ensuring their effective application within the business
Review and challenge the effectiveness of risk mitigation strategies and control measures implemented by the 1st line of defense
Independently assess fraud risks within the business to ensure they are within the acceptable risk appetite, identifying any potential areas of vulnerability
Collaborate with the Credit Cards business to understand its risk profile, evaluate fraud risk exposure, incorporate risk mitigation strategies, and monitor compliance
Advise on and contribute to the development of enterprise-wide and credit card-specific fraud risk policies and procedures, ensuring alignment with regulatory requirements, associations, and industry best practices
Provide expert guidance on emerging fraud trends, sophisticated attack vectors (e.g., synthetic identity, account takeover, application fraud, transaction fraud), and technological advancements impacting credit card fraud
Prepare and present comprehensive fraud risk reports and recommendations to senior management and risk committees
Lead initiatives to enhance fraud risk management practices, contributing to overall organizational resilience and readiness against potential fraud risks
Stay updated on industry best practices and regulatory changes to assess its impact on fraud risk management and advise the business accordingly
Support the execution of remediation actions with timely and effective outcomes against regulatory and stakeholder expectations
Promote a culture of risk awareness and accountability in the business, escalating any fraud risks as appropriate and collaborating with teams to establish detective and preventive measures
Support independent oversight and assurance over the bank’s broader operational risk management frameworks, ensuring compliance with regulatory requirements and internal policies
Collaborate effectively with First Line fraud operations, product teams, technology, compliance, credit risk and legal departments to foster a strong culture of fraud risk management
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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards
Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals
Proactively seeks out opportunities to volunteer in Citi programs that support the community
advocates for solutions that meet the needs of Citi’s clients and the community
Enthusiastically promotes the unique needs and preferences of colleagues
makes active commitment to help colleagues achieve balance, well-being, and development

Requirements:

6-10 years of experience
Previous experience in fraud risk management within the financial services industry
Desirable experience with credit card fraud prevention, detection, and investigation lifecycle
Deep understanding of fraud risk concepts, methodologies, and tools
Familiarity with regulatory requirements related to fraud risk management, and broader operational risk management
Ability to interact effectively at all levels, develop strong partnerships across the organization, and present complex information clearly to senior management and stakeholders
Comfortable in dynamic environments, capable of adapting to change while maintaining focus on risk management objectives
Strong stakeholder management skills, with the ability to understand drivers and overcome barriers
High level of integrity and professionalism, with the ability to handle sensitive and confidential information appropriately
Analytical, with the ability to comprehend complexity and engage strategically, analyzing and interpreting large volumes of data
Excellent written and verbal communication skills, with the ability to articulate complex risk concepts to technical and non-technical audiences, including senior management
Bachelor's/University degree, Master's degree preferred or relevant professional certifications (e.g., Certified Fraud Examiner (CFE), Financial Risk Manager –FRM)

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:
February 14, 2026

Expiration:
February 17, 2026

Employment Type:

Fulltime

Work Type:

On-site work

Citi - All Job Offers

Job Link Share:

Fraud Risk 2nd Lod Lead Analyst, Vice President

Citi

Location:
United States , Wilmington

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
February 14, 2026

Expiration:
February 17, 2026

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Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:February 14, 2026

Expiration:February 17, 2026

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