Fraud Risk Analyst (Markets, Digital Assets & Tokenization)

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Job Overview

This role is focused on Fraud Risk oversight of Markets, Digital Assets, and Tokenization. Individuals in Operational Risk establish and manage operational risk policies, propose strategies, and governance processes designed to minimize losses from inadequate controls, fraud, and potential bankruptcy. This includes supervision over technology operational risk, cyber risk, and fraud risk. These individuals are also responsible for the development of tools and infrastructure that support fraud monitoring and prevention, using advanced analytical and statistical skills to identify policy gaps and recommend changes to current policies. This role is crucial to the company as it fortifies against potential operational risks, thereby protecting the company's financial stability and reputation, and contributing towards the overall business resilience and success.

Responsibilities: 

•   Support the development and implementation of enterprise fraud risk management procedures and methodologies, ensuring their effective application within the business.
•   Review and challenge the effectiveness of risk mitigation strategies and control measures implemented by the 1st line of defense.
•   Independently assess fraud risks within the business to ensure they are within the acceptable risk appetite, identifying any potential areas of vulnerability.
•   Collaborate with the business to understand its risk profile, evaluate fraud risk exposure, incorporate risk mitigation strategies, and monitor compliance.
•   Provide guidance on risk mitigation strategies, control enhancements, and risk reduction measures to business and other stakeholders.
•   Provide regular and detailed reports to senior management and stakeholders on the status of fraud risks.
•   Analyze data to identify trends or emerging risks and provide timely recommendations to mitigate risk exposure.
•   Lead initiatives to enhance fraud risk management practices, contributing to overall organizational resilience and readiness against potential fraud risks.
•   Ensure all fraud risk management activities comply with internal policies, external regulations, and industry standards.
•   Stay updated on industry best practices and regulatory changes to assess its impact on fraud risk management, and advise the business accordingly.
•   Support the execution of remediation with timely and effective outcomes against regulatory expectations.
•   Promote a culture of risk awareness and accountability in the business, escalating any fraud risks as appropriate and collaborating with teams to establish detective and preventive measures.
•   Support independent oversight and assurance over the bank’s broader operational risk management frameworks, ensuring compliance with regulatory requirements and internal policies.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace

• 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

Qualifications: 

• 6-10 years of experience
• 3-5 years in Markets, Digital Assets, and Tokenization 
•   Previous experience supporting risk management, compliance, governance, or controls related roles.
•   Demonstrated track record of effectively assessing and managing competing priorities.
•   Deep understanding of fraud risk concepts, methodologies, and tools.
•   Familiarity with regulatory requirements related to fraud risk management, and broader operational risk management.
•   Exposure to enterprise risk management frameworks and knowledge of risk reporting tools and techniques.
•   Understanding of different risk types, e.g. credit, market, liquidity.
•   Experience working in a regulated industry (e.g., banking, finance, insurance, healthcare).
•   Ability to interact effectively at all levels, develop strong partnerships across the organization, and present complex information clearly to senior management and stakeholders.
•   Strong influencer with a focus on building relationships with the 1st line of defense, while remaining independent and retaining the ability to challenge effectively.
•   Comfortable in dynamic environments, capable of adapting to change while maintaining focus on risk management objectives.
•   Strong stakeholder management skills, with the ability to understand drivers and overcome barriers.
•   High level of integrity and professionalism, with the ability to handle sensitive and confidential information appropriately.
•   Analytical, with the ability to comprehend complexity and engage strategically, analyzing and interpreting large volumes of data.
•   Exercises independence of judgement and autonomy.

Education: 

Bachelor's/University degree, Master's degree preferred

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Job Family Group:

Risk Management

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Job Family:

Operational Risk

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Time Type:

Full time

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Primary Location:

Wilmington Delaware United States

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Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

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 citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Analytical Thinking, Control Monitoring, Credible Challenge, Governance, Issue Management, Operational Risk, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Mar 06, 2026

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