Job Description

Serves as a Senior AML KYC Risk & Control Analyst for four lines of business in GCB NAM: Branded Cards, Retail Services Cards, Retail Bank, and Mortgage. Responsible for assessing the four business adherence to all AML KYC Policies & Standards through proactive identification of KYC Risks and timely implementation or enhancement of KYC controls within the appropriate execution area.

The Senior AML KYC Risk & Control Analyst is responsible for identifying trends/issues, conducting root-cause analysis, and recommending solutions that lead to corrective actions and/or enhancements to operational processes. Liaises with AML Compliance Risk Management (ACRM) to assess related KYC Risk exposure, quality of KYC control processes, and the adherence to standards necessary to mitigate KYC Risks.

Responsible for ensuring all GCB NAM functions within the four businesses are appropriately executing procedures in compliance with Global AML KYC Policies, BSA Regulations, and ACRM guidance.

Job Responsibilities:

* Proactively identify and address control gaps in AML KYC for Brands, Retail Services, Retail Bank, and Mortgage.
* Identify control gaps, process inefficiencies, technology opportunities, and coordinate with key stakeholders to develop solutions
* Obtain and retain system access to independently validate processes and conduct spot validations on recurring basis
* Interpret and understand governing policies to ensure processes are adherent
* Identify trends, themes, tendencies that indicate risks and facilitate deep dives in to any significant current or emerging risk areas
* Proactively analyze various data sources to form an independent assessment/opinion of inherent risk and probe to understand the associated controls and residual risk
* Proactively identify significant risks in the processes and develop specific recommendations for execution functions to action.
* Develop strong working relationship with cross-functional partners and illustrate strong policy, process and control knowledge to establish self as a valued and respected partner
* Present relevant material as necessary at senior level governance forums such as Business Risk Reviews and Business Risk Compliance and Control (BRCC) Committees as well as for meetings with stakeholders such as Regulators, 2nd and 3rd Line of Defense and senior management
* Assist in preparing deliverables for audits and regulatory reviews
* Independently act as single point of contact and coordination for the US Cards business during audits and regulatory reviews of the AML & Sanctions program
* Support the GCB NAM AML Program Oversight Entity by maintaining control activities including Records Management, Continuity of Business, End-User Computing assessments and tracking, Key Risk Indicator tracking & reporting, iCAPS Issue tracking, and MCA maintenance.

Job Qualifications:

* 7+ years experience with NA Credit Cards in one of the following areas: Production Support, Risk Management, Operational Risk, Project Management, or Audit/Control function
* Ability to break down complex processes into core activities and identify control gap root causes so they can be more readily addressed.
* Strong knowledge of US Cards Products, Platforms, User Interfaces, and Support structure
* Experience with Citi Risk and Controls and the Managers Control Framework is a plus.
* Strong presentation skills, both orally and written, with the ability to articulate complex problems and solutions through concise and clear messaging with people at all levels of the organization
* Experience working on team projects in a collaborative environment to deliver on regulatory commitments and organizational mission.
* Ability to work collaboratively within and across functions and Lines of Defense to clearly communicate information and actions needed by peers and stakeholders at multiple levels.
* Effective team player and contributor in dynamic and shifting teams as well as virtual teams.
* Self-starter with proven ability to plan and work independently to excel in a fast paced environment with large workloads and tight deadlines
* Ability to re-prioritize work as the immediate needs of the business change.
* Attention to detail and accuracy are essential.
* Ability to work collaboratively with functional units; ability to navigate a complex organization; to influence and lead people across cultures at a senior level
* Experience working with stakeholders both within and outside the first line of defense
* Proven leadership skills, with emphasis in high-stakes and high-visibility scenarios
* Proficient in MS Office applications (Excel, Word, PowerPoint)

Education:

* Bachelors 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 with NAM Cards Lines of Business
* Advanced degree preferred
* Relevant AML and/or Sanctions Certification desired
* Project Management Certification, a plus

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Job Family Group:

Compliance and Control

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Job Family:

Business KYC

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Time Type:

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