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USPB Regulatory Risk Officer - USPB CAO VP - Hybrid

Job Req ID 22562478 Location(s) Jacksonville, Florida; Wilmington, Delaware; O'Fallon, Missouri; Fort Lauderdale, Florida; Miami, Florida; Tampa, Florida; New York, New York; Elk Grove Village, Illinois; Charlotte, North Carolina; Irving, Texas Job Category Risk Management
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Reporting to the USPB Regulatory Risk Sr. Manager, the US Personal Banking Regulation Risk Officer is part of a team responsible for developing guidance for businesses in the U.S. to effectively identify and mitigate regulation adherence risks.  The scope of this responsibility encompasses specific laws, regulations, and internal policies applicable to US Personal Banking businesses operating in the U.S.  The candidate will collaborate with counterparts in Chief Administrative Office (CAO), Business Control Teams, Operations & Technology, and 2nd line of defense partners to help ensure regulation risks are adequately managed across the U.S. Personal Banking business.  Prioritized regulations supported include (but are not limited to) Regulations Z, B, V, CC, E, DD, ADA, O, FACTA, UDAP, MLA, SCRA, TCPA, Bankruptcy, and E-Sign.

Key responsibilities include:

  • Supporting collaboration with business leaders to help identify, evaluate, and manage regulation adherence risks arising from the definition of business strategy, development of new products and services, changes in regulations or internal policies, or from business-led changes.
  • Educating and providing guidance to MCA Coordinators, and tactical process owners on how to ensure the control and monitoring tools are designed to mitigate regulation risk and support required regulation adherence for assigned regulations.
  • Routinely partner with MCA Management Teams to continuously enhance regulatory controls and monitoring. This includes engaging with Assessment Unit (AU) leads and process owners to develop requirements to automate controls and digitize monitoring for prioritized regulations where appropriate.
  • Continuously monitoring and identifying gaps in maintenance of assigned prioritized regulation inventory linkage to controls in Citi Risk and Control and working with MCA Coordination to complete missing linkage.
  • Supporting the periodic review of assigned prioritized regulations and publishing a 1st line Prioritized Control Performance Scorecard for senior management.  Assisting in development of recommended corrective actions and improvements required to mitigate the identified risks associated with poor performing controls and monitoring and identifying missing controls and control coverage gaps.
  • Guiding and directing the MCA Management Team and process owners across Business, Operations, and Technology on establishing permanent audit readiness activities that effectively demonstrate adherence to applicable prioritized regulation requirements. 


  • Subject matter expertise on the U.S. prioritized regulations impacting multiple businesses (Regulations currently supported includes Regulations Z, B, V, CC, E, DD, ADA, O, FACTA, UDAP, MLA, SCRA, TCPA, Bankruptcy, and E-Sign.)
  • Familiarity with the core end-to-end processes performed in the U.S. Bank business
  • Familiarity with governance, risk and control management, risk approvals, as well as engaging with 2nd/3rd lines of defense and U.S. Regulators (preferred, not required)
  • Familiarity with new product development (e.g., first and second line of defense risk/control mechanisms)
  • Strong influence management skills
  • Effective verbal and written presentation skills
  • Comfortable operating with limited guidance and under significant time pressure
  • Education Level: Bachelor’s Degree preferred
  • Minimum 5 years of relevant experience


Job Family Group:

Risk Management


Job Family:

Operational Risk


Time Type:

Full time


Primary Location:

Jacksonville Florida United States


Primary Location Salary Range:

$96,570.00 - $144,850.00


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.

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Effective November 1, 2021, Citi requires that all successful applicants for positions located in the United States or Puerto Rico be fully vaccinated against COVID-19 as a condition of employment and provide proof of such vaccination prior to commencement of employment.

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