Compliance Testing Officer (VP) - Consumer Protection

This is a Vice President (VP) 2nd Line of Defense position serving as a Consumer Compliance Monitoring and Testing Officer within Citi's Independent Compliance Risk Management (ICRM) organization. This role is part of the US Personal Banking (USPB) Compliance Independent Assessment team responsible for evaluating the effectiveness of compliance risk controls implemented by the first line of defense.

This role will lead and execute independent testing and monitoring activities designed to assess compliance with regulatory requirements through both substantive and control based testing across USPB businesses - including Branded Cards, Citi Retail Services, Retail Bank, and Mortgage.

This role places a strong emphasis on analytical thinking, the use of data analytics in compliance testing, and the ability to investigate deeply and drive meaningful results.

Responsibilities:

• Develop, implement, and execute compliance testing and monitoring activities in alignment with Citi's Compliance Testing & Monitoring Plan.
• Leverage data analytics to enhance sampling strategies, identify potential compliance anomalies, and increase the precision and efficiency of testing.
• Design and execute testing procedures that utilize structured and unstructured data to detect control breakdowns, emerging risk themes, or regulatory gaps.
• Conduct and document walkthroughs with business stakeholders to gain a deep understanding of end-to-end processes and associated compliance risks.
• Execute issue validation and control testing for Consumer Compliance risks, documenting and reporting findings clearly and concisely.
• Probe deeply into processes and data to ensure robust testing outcomes, and identify root causes of compliance failures where applicable.
• Proactively recommend enhancements to Assist in the development of compliance risk assessments, monitoring summaries, and enhancement of Monitoring and Testing Methodologies.
• Analyzing and documenting report findings, and having preliminary discussions with corresponding control/process owners.
• Developing effective relationships within USPB Compliance Independent Assessment and with other stakeholders including Business process owners and Internal Audit function.
• Stay current with industry best practices and changes in regulatory expectations from agencies such as the CFPB, OCC, and FDIC.
• Support continuous improvement efforts within the Independent Assessment program, including the use of technology and analytics tools.
• Assisting with development of Compliance Testing & Monitoring Risk Assessments, Monitoring Monthly, and Quarterly Summaries
• 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.
• Perform additional duties as assigned in support of team goals.

Qualifications:

• 6-10 years of experience in Financial Services; strong background in Consumer Compliance preferred
• Prior experience working for or interacting with regulatory agencies such as the CFPB, OCC, or FDIC is highly desirable.
• Demonstrated knowledge of regulatory compliance requirements of Retail Banking and Credit Card products.
• Proven experience with data analytics in testing or monitoring activities (e.g., identifying trends, control gaps, or compliance anomalies through data analysis).
• Working knowledge of Consumer Protection laws and regulations such as Reg Z, UDAAP, ECOA/Reg B, SCRA, MLA, FCRA, and Fair Lending.
• Strong working knowledge of coding or query languages (e.g., SQL, Python, SAS) or demonstrated ability to work alongside analytics teams.
• Ability to dig deeply into processes and data to uncover compliance risks and root causes.
• Excellent written and verbal communication skills, with a demonstrated ability to convey complex findings to stakeholders at all levels.
• Strong project management and time management skills with the ability to balance multiple priorities.
• Experience working collaboratively in a large, matrixed organization.
• Effective negotiation skills and sound judgment in escalating issues.
• Proficient in MS Office applications (Excel, Word, PowerPoint)
• Certifications preferred: Certified Regulatory Compliance Manager (CRCM), Certified Internal Auditor (CIA), or other relevant designations.

Education:

• Bachelor's degree; 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; Advanced degree a plus

Job Family Group:
Compliance

Job Family:
Compliance Independent Assessment

Time Type:
Full time

Primary Location:
Wilmington Delaware United States

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.

Anticipated Posting Close Date:
May 30, 2025

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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.

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