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Compliance Product Senior Officer I - US Retail Bank Payments

Job Req ID 24749426 Location(s) Tampa, Florida; San Antonio, Texas; Irving, Texas Job Type Hybrid Job Category Compliance and Control
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Serves as a senior function/business/product compliance risk officer for Independent Compliance Risk Management (ICRM) responsible for establishing internal strategies, policies, procedures, processes, and programs to prevent violations of law, rule, or regulation and design and deliver a risk management framework that maintains risk levels within the firm's risk appetite and protect the franchise. In addition, engages with the ICRM product and function coverage teams, in order to partner to develop and apply CRM program solutions that meet the function/business/product and customer needs in a manner consistent with the Citi program framework. Primary responsibilities include monitoring compliance risk behaviors, providing day-to-day Compliance advice relating to operations, financial requirements, and guidance on the supported function/business/product and the associated regulatory rules/laws and interpretation on internal policies and procedures.

This critical role will interface with business teams responsible for managing the United States Retail Bank Payment Services within the U.S. Personal Bank, including check payments and electronic funds transfers such as, ACH, ATMs, Debit Cards, Wires, Mobile Check Deposits, Real Time Payments, Mobile Wallets and associated payment networks such as Zelle, NACHA and MasterCard.  The ideal candidate will bring a demonstrated proficiency with compliance program management in the consumer payment space and effective participation in cross-functional projects, and an ability to work with multi-disciplinary teams from a variety of businesses and functions.  This role will also interface with the ICRM horizontal teams including Privacy, AML & Sanctions as needed, to bring produce level knowledge to ICRM initiatives and projects.  The candidate should have knowledge of the laws, regulations and Citi policies that cover and impact Retail Bank products, services, and operations.


  • Designing, developing, delivering and maintaining best-in-class Compliance, programs, policies and practices for ICRM. Translates ICRM strategy and goals across Citi’s clients, products and geographies in a succinct and clear manner; provide direction and guidance on the programs.
  • Serving as a subject matter expert on Citi’s Compliance programs. Provides expert guidance on function/business/product regulations on a real-time basis to manage compliance risk.
  • Assisting with regulatory inquiries and/or examinations. This may include coordination with regulators and other parties. Managing strategy and responses to regulatory examinations, reviews and inquiries, internal and external investigations, as well as compliance testing and audit.
  • Supporting the function/business/product teams in performing timely compliance reviews of new products.
  • Assisting in the development and administration of Compliance training for the supported function/business/product.
  • Collaborating with other internal areas including: Legal, Business Management, Operations, Technology, Finance, other Control Functions, and In-Business Risk to address compliance issues which may impact the supported function/business/product.
  • Staying abreast of regulatory developments, including new laws, regulations, rules, and interpretations or guidance relating to the supported function/business/product, as well as enforcement actions at other institutions.
  • Analyzing and scoping the impact of new and complex regulatory developments across senior function/business/product, including cross-border impact.
  • Participating in industry groups and trade association working groups or other forums.
  • Leading initiatives and managing high-impact special project work streams with a results-driven focus to deliver solutions, including coordinating the implementation of new regulatory requirements.
  • Designing and lead compliance and control reviews.
  • 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.
  • Additional duties as assigned.


  • Expertise of Compliance laws, rules, regulations, risks and typologies.
  • Knowledge of Compliance laws, rules, regulations, risks and typologies including broad knowledge of consumer protection regulations, such as Reg CC, Reg, DD, Reg E, Reg D, Reg. Z, Reg. O and FDIC insurance regulations, as well as Privacy, Fair Lending laws, UDAAP and Treating Customers Fairly.
  • Knowledge of retail banking products, services and banking packages, as well as back office processing and procedures.
  • Excellent written, verbal and analytical skills
  • Must be a self-starter, flexible, innovative and adaptive;
  • Highly motivated, strong attention to detail, team oriented, organized
  • Strong presentation skills with the ability to articulate complex problems and solutions through concise and clear messaging
  • Ability to work collaboratively with regional and global partners in other functional units; ability to navigate a complex organization; to influence and lead people across cultures at a senior level
  • Experience in managing regulatory exams and relationships with examiners, auditors, etc.
  • Awareness of regulatory requirements including local and US laws, international and industry standard
  • Advanced knowledge in area of focus
  • Related certifications desirable, such as Certified Regulatory Compliance Manger (CRCM)


  • Bachelor’s degree or equivalent experience in compliance, legal or other control-related function in the financial services firm, regulatory organization, or legal/consulting firm, or a combination thereof; experience in area of focus; strong working knowledge of function/business/product and the related operations and financial requirements; previous experience managing a diverse staff
  • Advanced degree (MBA or JD) a plus


Job Family Group:

Compliance and Control


Job Family:

Product Compliance Risk Management


Time Type:

Full time


Primary Location:

Tampa Florida United States


Primary Location Full Time Salary Range:

$141,440.00 - $212,160.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit Available offerings may vary by jurisdiction, job level, and date of hire.


Anticipated Posting Close Date:

Aug 02, 2024


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.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

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