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USPB Retail Financial Crimes Policy Adherence Head - C15

Job Req ID 24740114 Location(s) Tampa, Florida; San Antonio, Texas; Wilmington, Delaware; O'Fallon, Missouri; Jacksonville, Florida; Meridian, Idaho; Florence, Kentucky; Johnson City, Tennessee; Sioux Falls, South Dakota; Irving, Texas; Tucson, Arizona Job Type Hybrid Job Category Compliance and Control
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Description of the Organization

Citi’s Operations & Technology (O&T) Organization enables Citi to achieve its day-to-day operational and long-term growth goals, enabling execution of Citi’s Strategy by providing services, technical solutions, and infrastructure across the bank. Within O&T, the US Personal Banking (USPB) and Wealth Operations organization provides global operational support to deliver a seamless client experience across service channels. USPB and Wealth Operations is a unified operations team responsible for the servicing and operations support for USPB business and Citi Global Wealth (CGW) Operations.

USPB and Wealth Operations has a unique opportunity to leverage its consumer relationships and footprint, retail partnerships, state of the art technology, and leading consumer banking position to deliver customer value in a targeted and impactful way. Citi is optimizing its relationship structure to realize a fully integrated delivery model and partnerships to deliver a remarkable customer experience, all while effectively managing and minimizing risk to our clients and our franchise. With the changing global environment, Citi reprioritized focus on financial crimes, creating a new Financial Crimes and Fraud Prevention (FCFP) organization. This fusion will streamline accountability and responsibility for Risk & Control activities and deliver process consistency to protect the firm against emerging financial crime risks.

Description of the Role

The Financial Crimes Global Policy Adherence & Engagement Team within the FCFP organization supports the delivery and ongoing direction of a comprehensive Financial Crimes Program in partnership with multiple functions such as Compliance, Operations, Technology, Risk, Audit, and multiple stakeholders at all levels of management. This team is responsible for fostering a culture of control and compliance, customer centricity and accountability while leading efforts to identify, anticipate and mitigate AML, Sanctions and Ant-Bribery regulatory, reputational, and operational risks.

The USPB Retail Financial Crimes Head is responsible for end-to-end management of Financial Crimes Policy initiatives and ensuring the proper adherence and execution of policy requirements for the Retail and Mortgage lines of business within USPB.  This is highly regarded professional will be responsible for working with the business to develop and implement end to end Financial Crimes policy adherence solutions, policy compliance and execution for all products and channels, managing root cause analysis in close partnership with business risk managers, Compliance, Operations and Technology. Additionally, this role will have responsibility for ensuring all processes executed in support of USPB lines of business, regardless of function, have appropriate governance and controls in place to evidence compliance with applicable regulations such as the Bank Secrecy Act, USA PATRIOT Act, Office of Foreign Assets Control (OFAC) Sanctions compliance as well as applicable Citi Policies.  Additionally, this professional will act on behalf of and in partnership with the Business on corrective action planning/dimensioning, policy adherence, change management, impact assessment and implementation plan oversight.

This role reports into the Head of USPB Financial Crimes Policy Adherence and Engagement.


  • Managing Financial Crime Regulatory and Policy initiatives as required, such as the implementation of new or enhanced business products and services, control enhancements and or sunsetting, and related project management work efforts.
  • Sponsor the identification and resolution of BSA/AML/Sanctions/ABC Policy gaps, control enhancements, implementation assessment regarding financial crimes policy and regulatory requirements, collaborating with the business in development of sustainable solutions to meet policy requirements and risk mitigation.
  • Review and challenge all relevant artifacts/evidence to ensure that the letter and spirit of the policies are being addressed within issues and or corrective actions plans.
  • Lead activities to simplify and streamline the operationalization of BSA/AML/Sanctions/ABC and Transaction Monitoring policies on behalf of the USPB business, ensuring ongoing risk mitigation, efficient and effective execution to policy
  • Sponsor/Own revisions and ongoing governance of the appropriately owned Financial Crimes execution policy and procedures (ex. FinCEN CDD rule/ CIP-P) for USPB.
  • Sponsor/Own regulatory matters on behalf of the business, including enforcement actions, and new laws, regulations, rules, impact assessments and implementation plans relating to the business/product/function supported.
  • Facilitate both gap and root cause analysis (RCA) exercises between Legal, Compliance, Operations, Technology, Risk, and the line of business to create action plans that provide resolution and ensure policy adherence.
  • Support development of relevant Policy Adherence and scorecard material as necessary for presentation at senior level governance forums as well as for meetings with stakeholders such as Regulators, 2nd and 3rd Line of Defense and senior management.
  • Represent Financial Crimes in appropriate global and regional forums/committees.
  • Coordinate with management to appropriately assess risk and risk appetite as it pertains to Financial Crimes 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 others and create accountability with those who fail to maintain these standards.
  • Managing a team of multiple teams of Financial Crimes professionals. Developing, attracting, and retaining talent; recommending staffing levels required to carry out the unit’s role and responsibilities effectively while establishing and adhering to talent management processes and compensation and performance management programs. Mentoring and developing junior staff.

Job Qualifications:

  • 12-15 years in the following: Transaction Monitoring, KYC, Risk, Operational Risk, Risk Operations, Policy Management with experience in compliance, legal or other control-related function in the within a large financial services firm, regulatory organization, or legal/consulting firm, or a combination thereof with at least 5 years of people leadership experience
  • Strong executive presence with exceptional communication and interpersonal skills
  • Deep functional knowledge of industry best practices and applicable BSA/AML/KYC/Sanctions/ABC rules, regulations, policies, processes, and frameworks.
  • Detail oriented thought leader, with proven ability to question and identify opportunities within existing processes and business practices by leveraging previous experiences and knowledge of the business.  This candidate must possess strong conflict resolution skills and ability to work in a complex environment with quick turnaround timelines
  • Strong presentation skills with the ability to articulate complex problems and solutions through concise and clear messaging with people at all levels of the organization
  • Demonstrated ability to assess complex issues through root cause analysis and other analytical techniques; structure potential solutions; drive to resolution with senior stakeholders.
  • Proven leadership skills, with emphasis in high-stakes and high-visibility scenarios
  • Advanced analytical skills


  • Proficient in MS Office applications (Excel, Word, PowerPoint)
  • Bachelor’s degree required; Advanced degree preferred.
  • Relevant AML and/or Sanctions Certification desired


Job Family Group:

Compliance and Control


Job Family:

Business KYC


Time Type:

Full time


Primary Location:

Tampa Florida United States


Primary Location Full Time Salary Range:

$170,000.00 - $300,000.00

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:

Apr 30, 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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