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Director, Regional CGW AML, KYC, Sanctions and FATCA Risk and Controls Lead - Hybrid

Singapore, Singapore

Job Req ID 22515162
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Our international footprint will give you access to unique intelligence and decades of experience. And by joining our Anti-Money Laundering team – one of the most international areas at Citi – you will touch every aspect of the company and make critical decisions for our clients, for your career, for every employee, and for the business.

Success Profile

  • Analytical
  • Detail oriented
  • Leadership
  • Communicator
  • Relationship expertise
  • Persuasive

Glassdoor Reviews

“Citi has an inclusive, diverse culture that promotes working with local communities and charitable giving. Flexible work schedules and good benefits.” AML Analyst, St. Louis, MO
“Great training in state of the art technology & methodology. Supportive and positive reinforcement from upper management. Great opportunities for bilateral and upward career growth within the organization.” Senior AML Compliance Analyst, Tampa FL
“Good place to gain broad exposure in KYC and AML compliance.” Senior Compliance Analyst, New York NY
“Citi has is such a large, global company that the possibilities are endless when it comes to advancing your career. There are many different ways to learn about each specific area of the business and this prepares you for your next role or even your next company.” Control & Compliance VP, Brandon FL


Business Overview

Citi’s Asia CGW Business serves two of the fastest growing cities, Singapore and Hongkong through our Retail, IPB and Private Bank Business. Asia CGW business offers a diversified range of products ranging from insurance products to complex wealth management products, including FX Products to more than 115M customers, with US$260Bn in client volumes, US$2.4B of total revenue, Asset Under Management of US$42B along with a deposit book of US$90 Billion. These customers are serviced by 1000 odd Relationship and Private Bankers. With more than a century of enviable brand, Best-in-Class digital client acquisition, diverse Wealth Management product capability and market leadership, we are competitively well-positioned to grow a high-quality customer base that benefits most from our product and network capabilities.

Citi Global Wealth Management (CGW) is an integration of Citi Private Bank and the Consumer Wealth organization into a single platform enabling Citi to serve its clients across the wealth spectrum and capitalize on Citi’s industry leading capabilities to support the goal of CGW, which is to be the leading wealth management provider globally. As we embark on this journey, it is imperative to have a strong Risk & Control framework, supporting this goal through an independent but integral Internal Control organization.

This position is responsible for the overall execution of the In-Business AML Program for the Asia CGW Business, and continued delivery against OCC and FRB requirements as well as ongoing regulatory change/ requirements as per commitments at regional and local level. The role requires frequent interaction at Global, Regional and Country levels with CGW Business, AML Compliance, Technology including Senior Management to ensure effective management oversight of all AML KYC requirements. The individual will also be responsible for working with the teams in the markets and liaising with various stakeholders on business requirements and solutions related activities and keeping the Country and Regional Management updated on progress and escalations.

As the Regional CGW Sanctions Risk Officer, the incumbent will also drive the development and implementation of a robust and regionally consistent Sanctions Risk controls and governance framework, instituting a rigorous governance and oversight process and driving adherence to applicable economic sanctions laws and regulations, as well as Sanctions Policy, Standards and Guidance across Asia CGW.

This role will report to the Asia CGW Risk and Control Head.

Key Responsibilities:

AML Controls Program Lead

  • Management Oversight of all AML KYC related aspects to ensure Asia CGW delivers against all AML KYC requirements related to CGW Businesses
  • Translate the large number of AML programs to each business specific needs supported by plans to implement across Asia
  • Develop project implementation framework/ infrastructure at global and regional level to track program progress against integrated milestones committed for the region as required
  • Lead implementation, reporting and tracking of projects by developing project plans with detailed breakdown of activities and milestones demonstrating an understanding of the projects’ interdependencies and key participants, and identifying staffing needs for UAT, training, resources, system and process implications and work with the business for its implementation.
  • Lead execution of AML processes for Asia CGW business.
  • Understand and translate impact into CGW commitments for resources, systems, data privacy, data quality issues or any other issues arising during the planning and implementation phases.
  • Create a framework for Asia CGW to escalate risks, issues and processes and to devise and manage appropriate solutions working with the country, regional and global teams
  • Provide regional updates to senior management and governance committees
  • Manage the country resources required for all KYC processes to drive focus, execution and delivery
  • Support for remediation of AML related issues and data gaps identified through various sources and implement appropriate controls across all countries to prevent recurrence.
  • Establish lessons learned process and ensure existing and new lessons are shared across countries
  • Ensure alignment of country and regional Business and Functional Requirements with global requirements
  • Plan overall organizational readiness across Consumer Business Support Unit (CBSU) / Front Office, training, communication, go-live activities and BAU sustainability
  • Drive effective implementation of the AML Gold Copy Manager’s Control Assessment (MCA) for Asia CGW business.
  • Data Management
    • Ensure remediation is performed across the region for data mapping and profiling
    • Identify platform and data similarities for most efficient completion
    • Establish regional data dashboard to track progress on each country
    • Provide leadership and guidance to country teams for data migration strategies (legacy customers into CitiKYC)
    • Ensure sharing of data management lessons learned across the countries

Business Sanctions Risk Officer (BSRO)

The Regional CGW Business Sanctions Risk Officer serves as the CGW Business first line of defence for Sanctions related issues and is responsible for:

  • Driving adherence to applicable economic sanctions laws and regulations, as well as Sanctions Policy, Standards and Guidance
  • Managing sanctions compliance risk though the establishment and implementation of a robust and regionally consistent Sanctions risk & control management framework and instituting a rigorous governance and oversight process across Asia CGW
  • Reviewing and enhancing the adequacy and effectiveness of the design of the business’ sanctions control processes
  • Instilling enhanced discipline and ensuring effective Governance & Oversight of Sanctions Key Projects including documentation, tracking of progress, completion, and reporting
  • Reinforcing the message of a strong culture of compliance and controls

Key Responsibilities:

  • Work with the Regional CGW Business and Function teams to execute a robust control and governance framework for Asia. Enhance the focus on Sanctions controls and governance to ensure that controls are keeping in pace with the evolving business landscape and drive a strong control culture and ensuring permanent controls readiness through proactive risk management and issue self-identification.
  • Understands the Business-owned products, services, and processes, as well as corresponding sanctions-related controls, and sanctions processes (e.g., customer, relationship, and transactional screening). Maintains a list of Execution contacts responsible for conducting sanctions screening, associated transaction related product processors, account and customer relationship maintenance applications, and sanctions-screening applications. Serves as the primary Business’s sanctions point of contact with O&T for sanctions controls.
  • Participates in reviewing and providing feedback to proposed changes to ICRM Sanctions Policy, Standards, and Guidance. Facilitates updates and provides feedback on changes to the Business and O&T’s procedures and processes for sanctions controls.
  • Maintains awareness of Sanctions Risk Category Appetite and escalates matters that may breach risk appetite to the Regional CGW Leadership team, and ICRM Sanctions, as well as raise with relevant governance forums (e.g., Global Sanctions Management Committee (GSMC) and Global Business Risk Committee (GBRC)) where appropriate. Maintains an inventory of escalated matters.
  • Monitors and provides the Regional CGW Leadership team updates of the effectiveness of sanctions processes and controls by reviewing key sanctions Activity, Risk, Control and Monitoring (ARCMs), Sanctions Key Indicators (KI), and supporting MCA Unit owners in addressing identified deficiencies of sanctions controls.
  • Provide subject matter expert support to product owners as needed in the fulfillment of in-Business Risk Roles and Responsibilities, as outlined in the Global AML New Product Approval (NPA) Standard and the Guidelines for Assessing Sanctions Risk in Products and Service Offerings
  • In coordination with O&T and ICRM, reviews sanctions management information (e.g., risk indicator metrics), conducts and documents analysis of “outliers” in KIs, provides feedback and escalates significant matters. Reports on significant deviations identified upon review of key risk indicators & metrics to Governance forums (e.g. GSMC, BRCC and GBRC).
  • In coordination with the List Owner for Sanctions Lists and the Country Sanctions Officer (CSO), support on Global Minimum Lists and Rulesets Requirements (GMR) reconciliation or attestation requirements.
  • Serves as the lead point of contact for the Business’s engagement in the EWORA. Reviews the EWORA preliminary ratings and reports and provide feedback. Leverages EWORA results to enhance the control environment.
  • Serves as lead point of contact for identification and investigation of potential sanctions-related incidents/issues and non-adherence to the Sanctions Policy and Standards.
  • Escalates sanctions-related incidents/issues to the Regional CGW Leadership team, and ICRM Sanctions. Manages the development of Corrective Action Plans (CAPs) within the Business and provides oversight, guidance and feedback on O&T-owned CAPs. Monitors remediation efforts and escalates to the Regional CGW Leadership team, and ICRM Sanctions, delays and execution risks. Ensures timely identification, assessment, escalation, reporting and monitoring resolution of sanctions-related incidents/issues.
  • Serves as the Business’s point of contact for regulatory requests for information and investigations related to Sanctions

Foreign Account Tax Compliant Act (FACTA) and Common Reporting Standard (CRS) Program Lead

  • Ensure effective management oversight of FATCA and CRS project implementation in countries to deliver against all regulatory requirements related to CGW
  • Defining and executing the implementation approach and schedule for FATCA and CRS, including designing and implementing compliant processes and controls, identifying project risks and devising appropriate solutions in consultation with the Business, Operations and Technology, Corporate Tax and Compliance teams
  • Working with the countries to ensure the Pre-existing Account Due Diligence (PADD) requirements and deadlines under FATCA and CRS are met; including tracking and reporting of country progress to ensure regulatory deadlines are met and escalating any potential issues identified
  • Working with the countries to ensure IRS and local reporting obligations are met on time with accurate and complete data
  • Build standard training material to be adapted by countries for local systems and requirements
  • Providing guidance and SME advisory support to countries

Qualifications/ Experience:

  • University graduate/post-graduate – 15+ years of relevant experience with strong strategic and analytical skills
  • Strong understanding of regional business landscape, regional CGW portfolio, business trends and operational requirements
  • Strong understanding of the CGW products and business, technology platforms and AML and Sanctions related controls and processes
  • Good knowledge of AML and Sanctions policies applicable to the CGW Business and ability to understand regulatory requirements in a fast changing environment and deliver change
  • Proven experience of program governance/ project management, with strong ability to take ownership and drive projects independently
  • Good stakeholder management skills (e.g. written and verbal communication, influencing and negotiation), able to communicate effectively with senior internal stakeholders
  • Strong and resourceful problem solver who can manage issues including project related defects working with the various partners
  • Excellent quantitative, analytical and problem solving skills with attention to details
  • Ability to work independently, interface and execute with a sense of urgency and deliver tasks effectively
  • Proactive, self-motivated and proven ability to use own initiative and judgment and take lead to work with internal and external clients in a positive manner and help deliver solutions that benefit the business
  • Proven ability to influence across products and functions and operate effectively at all levels in a collaborative manner ; Demonstrate through delivery of projects the ability to motivate and influence business partners to deliver on milestones/commitments
  • Strong interpersonal skills, situational awareness and emotional intelligence
  • Ability to prioritize tasks and work under multiple time zones and tight schedule


Job Family Group:

Risk Management


Job Family:

Business Risk & Controls


Time Type:

Full time


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We foster a culture that embraces all individuals and encourages diverse perspectives, where you can make an impact and grow your career. At Citi, we value colleagues that demonstrate high professional standards, a strong sense of integrity and generosity, intellectual curiosity, and rigor. We recognize the importance of owning your career, with the commitment that if you do, we promise to meet you more than half way.

Innovation Through Diversity

  • A Day in the Life at Anti-Money Laundering: Naomi Ferdinand

    Interested in learning more about working in Anti-Money Laundering at the world's most global bank? Hear from our employees as they share their stories and insights.

  • A Day in the Life at Anti-Money Laundering: Rose Sayre

    Interested in learning more about working in Anti-Money Laundering at the world's most global bank? Hear from our employees as they share their stories and insights.

Success Stories

Get inspired and hear what employees who started their careers in AML have to say about Citi

Lucie Riakos


AML Compliance Risk Management Officer
Tenure at Citi: 3 years

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How did you begin a career in Compliance/AML?

I fell into AML when I was working for another financial institution as a support person for a Relationship Manager, which included KYC support. Very quickly the KYC/AML component took over the role, and I decided to develop my expertise in AML by obtaining formal AML qualifications (ACAMS, AFMA AML/CTF diploma).

What does your day-to-day job entail and what do you like most about it?

There is a lot of variety as I have an advisory role, which essentially means that I provide advice to the business on ML/TF/sanctions risks in connection to what they do. We sit on many governance meetings held by various business lines, and also have business meetings on a specific client or product where AML oversight is required. Our function also reviews a lot of documents, including KYC escalations, policies, and procedural documents, and any exception to these must be approved by our team.

What do you enjoy most about your role?

I really enjoy the variety in the role and the fact we have so many internal stakeholders. There are lots of opportunities to learn about banking products and operations.

What skill set does someone working in this kind of area need?

Technical knowledge of the AML regulatory and risks environment and understanding how payments/banking products work is essential. Good analytical and writing skills are also important, as we write and review a lot of data and documents. I find it valuable to be inquisitive – part of our job is to ask a lot of questions to understand what you are being asked to provide advice on. Finally, creating positive relationships with stakeholders is beneficial, as we need to engage, challenge, and develop a sense of trust with the business to achieve a true partnership.

What advice would you give to someone looking to break into a career in AML?

The AML sector is a competitive one, as it is in high demand as more focus is placed on AML compliance. Having AML-related qualifications such as the ACAMS certification, qualifications in financial crimes or AML helps.

Where can a career at Citi take you?

As Citi is global bank, it is possible to transfer to other roles in our regional hubs or even at global head office in the US!

What makes Citi a good place to work?

What I like about working at Citi is the fast-paced environment; there is always something going on. Citi offers me flexibility and is supportive of my work-life balance. I also like the little perks such as company discounts and the free gym!

Nuri Burak Ulusoy


Operational Risk Manager/ AML M&I Managers Control Assessment (MCA) Program Lead
Tenure at Citi: 7 years

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How does your role/department impact the larger organization?

My department is responsible for governance of the Managers Control Assessment process for all AML monitoring and investigations functions, which is the medium mechanism for the company to execute their controls. Our coverage is global.

How did you begin a career in Compliance/AML?

I started as an AML analyst. I am native Turkish and, at that time, CSC Poland was looking for Turkish speakers for a migration on AML monitoring from Turkey to Poland.

What does your day-to-day job entail and what do you like most about it?

My current position is a self-contributor role. On my day-to-day work, I need to ensure that all required reports are generated on time and shared with the senior management. Since our program is the main control program within Citi, it is critical that reports are produced correctly and delivered in timely manner.

What do you enjoy most about your role?

I like to speak with different people all around the globe. Moreover, my role allows me to have insight into all processes in functions supported by us. The exposure to the whole AML environment gives me a helicopter view of the AML Department. At the same time I have the opportunity to see the details of all teams and processes, which allows me to gain a greater knowledge and perspective on AML in Citi.

What skill set does someone working in this kind of area need?

You need to have analytical skills. You need to be open and have a transparent approach. Since you are going to be in contact with several people all around the globe, you need to be patient. It would be beneficial to be self-initiator and persistent. Sense of ownership is valuable as well; any idea, even the best, can be forgotten if not driven with confidence.

What advice would you give to someone looking to break into a career in AML?

Be focused, be analytical, be innovative, and continue challenging during your investigations. Own your initiatives and don’t limit yourself. Try to understand and learn more about the organization while improving your network among different departments.

Where can a career at Citi take you?

I want to give an example here to show you the scale of the opportunity. My Belarusian direct report moved to Poland to study and then got employed by Citi as an AML analyst. He moved forward in his career and he got a position in the AML Quality Assurance team. He was sent to Geneva for 3 months assignment to support the process. He was very successful, hence was offered a position there. That meant he was to be the very first QA team member there. After two successful years in that position, he moved to a compliance role with a promotion.

What makes Citi a good place to work?

Citi is good place to work due to several reasons. It is truly a multi-cultural organization. Regardless of your position, you are always in touch with people from all around the world. That leads us to the second reason. Citi is truly a global organization, having locations and branches in many countries. Having those two major properties, Citi is one of the best employers, offering almost limitless development opportunities to its employees.

This is just a small example from the huge Citi world; therefore, Citi is not only a good, but a great place to work!

Do you take part in any volunteering, special programs, or leadership development opportunities and/or participate in any Employee Networks?

It is pivotal and highly encouraged to any Citi employee to be active and use opportunities provided by Citi. Personally, I have actively participated in the volunteering week for the last 5 years. I had the chance to attend several self-development courses and special programs.

I have completed many Citi course trainings offered to me. I was also selected in 2016 to participate in I Lead – AVP program, which is a special curriculum for high-performance AVPs from various business functions who are gathered and given assignments to real applicability projects with the task of proposing solutions.

I co-chair Citi Pride Network for CSC Poland. At the moment of filling this questionnaire, our network is still under establishment, but surely not for much longer! I also take active roles in Poland disABILITY and Poland Multicultural employee networks.

Przemyslaw Goldyn


FIU Senior Manager (VP)
Tenure at Citi: 3 years

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I graduated Management in Warsaw School of Economics (specialization, Human Resources Management) with a master’s degree. In 2016, I obtained ICA International Advanced Certificate in AML issued by International Compliance Association.

How does your role/department impact the larger organization?

My department is responsible for transaction monitoring. Our main responsibility is to mitigate the risk of laundering money and terrorist financing.

How did you begin a career in Compliance/AML?

Before I joined Citi, I read a lot about the global issue of money laundering and I decided to continue my career in this area. Additionally, I met a person who recommended Citi as a great employer. When I noticed that Citi in Poland has AML department, the choice was simpler.

What does your day-to-day job entail and what do you like most about it?

I am responsible for six teams that monitor transaction for GCB clients in NAM. The thing I like most is the cooperation with people and looking for improvements in current process.

What do you enjoy most about your role?

As I mentioned earlier, contact with people and looking for improvements. Additionally, I like that each day there are new challenges; therefore, my work is never boring.

What skill set does someone working in this kind of area need?

Ability to manage and develop people.

What advice would you give to someone looking to break into a career in AML?

Even if you don’t have experience in AML, don’t be afraid – apply! We will teach you how to be a great expert in AML.

Where can a career at Citi take you?

Sky is the limit. In AML, you have a chance to learn many things from AML process by reporting to managing people. Everything depends on you how you want to use this knowledge.

What makes Citi a good place to work?

Atmosphere, open-minded people, many opportunities to develop, and many interesting challenges every day.

Rose Sayre


Lead Investigation Risk Analyst - VP
Tenure at Citi: 9 years

Learn more

How does your role/department impact the larger organization?

My team provides long-term trend analysis to support improvements to the overall AML monitoring program. This impacts Citi as a whole by ensuring we meet our regulatory and stakeholder commitments to have a robust, efficient AML program.

How did you begin a career in Compliance/AML?

Prior to working in AML I had worked in mortgage documentation review and check fraud monitoring. Due to my experience in risk management and my technical skills, I was hired to the production support team for AML.

What does your day-to-day job entail and what do you like most about it?

My day is usually split between preparing analyses for presentation and meeting with senior management/compliance officers to share our findings.

What do you enjoy most about your role?

There’s always something new to learn in AML.

What skill set does someone working in this kind of area need?

Since my role is focused on data manipulation and presentation, a strong skill set in SQL, SAS, Excel, PowerPoint, and other manipulation and presentation tools is necessary.

As far as soft skills, being self-motivated, good organization skills, and an inquisitive mind.

Where can a career at Citi/AML take you?

Anywhere! There are tons of opportunity across Citi’s many offices and lines of business.

What makes Citi a good place to work?

Citi has a great culture that emphasizes work-life balance and a wide range of opportunities for personal growth.

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