Third Party Risk Oversight Officer

• Set and drive the strategic roadmap for Credit Bureau Management (CBM) tools, vendor oversight processes, and bureau data controls
• Own the long-term vision for bureau and credit-data oversight
• Translate regulatory guidance and credit risk requirements into actionable user stories, control enhancements, and bureau-related process improvements
• Prioritize bureau-related initiatives balancing regulatory commitments, credit strategy needs, and enterprise risk impacts
• Oversee risk assessment lifecycle for third-party vendors
• Oversee contract terms with credit bureaus and credit-data providers
• Partner with Legal, Compliance, and Procurement to remediate contractual gaps or bureau-related risk exposures
• Oversee bureau and data-provider performance against SLAs, KPIs, data accuracy metrics, and error rates
• Identify systemic data quality issues, matching failures, or bureau response inconsistencies and lead enterprise corrective actions
• Govern escalation of bureau data breaches, quality defects, or service disruptions
• Lead compliance with all bureau-related regulations, state-level consumer reporting requirements, and Citi risk standards
• Serve as a senior point of contact for internal audit, external audit, regulatory exams, and consumer-reporting reviews
• Maintain defensible documentation for bureau decisions, vendor assessments, contracts, data accuracy validation, and governance approvals
• Lead remediation execution for regulatory findings related to bureau oversight, data furnishing, or consumer reporting
• Represent Bureau Management in critical risk committees, credit governance forums, and enterprise third-party oversight bodies
• Build strong partnerships with Credit Risk leadership, Compliance & Legal, Data Governance & Data Quality, Procurement & Vendor Management, Technology & Consumer Operations
• Deliver transparent reporting on bureau performance, data accuracy trends, and bureau-related risk insights to senior leadership
• Communicate bureau-related risk trends, emerging issues, and strategic recommendations across the organization
• Oversee bureau-specific KRIs/KPIs such as Hit rates & match rates, Data quality exceptions, Bureau response times, Furnishing accuracy measures
• Drive automation, tooling enhancements, and data validation solutions to reduce manual bureau-related risk processes
• Ensure end-to-end bureau data lineage and control effectiveness across all ingestion and usage points
• Benchmark Citi’s credit bureau management practices against industry leaders, regulatory guidance, and evolving bureau capabilities
• Drive modernization of bureau integration, portfolio monitoring logic, and alternative-data usage
• Enhance scalability and resilience as Citi expands into new lending products, digital channels, fintech partnerships, and alternative credit-data ecosystems

• 6-10 years of experience in Risk management, third-party risk, vendor risk/management or credit risk with a large financial institution
• US banking regulatory expectations
• Prior experience operating with consumer credit risk or closely related risk domains
• Extensive background in managing critical suppliers and regulated third-party relationships
• Experience acting as a risk/process oversight owner or leading risk platforms, frameworks, or governance models
• Bachelor’s degree in related fields
• Deep expertise in FCRA, credit reporting, credit bureau operations, and data furnishing
• Strong strategic mindset with the ability to influence decision-making across Credit Risk, Data, and Technology
• Superior communication skills with ability to convey complex bureau-data concepts to executives
• Ability to challenge bureaus, vendors, and internal partners constructively to ensure sound risk outcomes
• Proven experience navigating highly regulated environments and managing large-scale, data-centric vendor relationships

Working knowledge of Vendor relationship management / Vendor risk management/ TPRO highly preferred

• 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