First Party Fraud Risk Analyst

The Fraud Risk Senior Analyst is a seasoned professional role that will focus on Retail Bank Money Mules and First Party Money Movement data analysis/trends. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

Responsibilities:

• Guards against intelligent, adaptive perpetrators of financial crime and manage strategic risk analytical projects for Citi Retail Services portfolios, including 3D Secure and Digital Wallets space.
• Develops and implements effective Fraud detection and prevention strategies to mitigate fraud losses while ensuring an appropriate balance between risk and customer experience.
• Proactively identifies fraud detection issues at the strategy and portfolio level and provide analytical/modeling solutions.
• Leverages customer data to build risk segmentation and mitigation strategies.
• Evaluates new tools and products that enhance risk detection and prevention.
• Act as primary interface with internal and external partners to evaluate new tools to build detection and analytical capabilities.
• Applies subject matter expertise to the prioritization and planning of projects in conjunction with fraud management policies and strategies.
• Interacts with Policy, Operations, and other functional business partners to optimize business strategies.
• Ensures adherence to strict audit and control requirements; participate in audit related activities and assist Citi Retails Services Fraud Analytics Team Lead with completion of the audit and compliance related activities.
• Performs other duties and functions as assigned
• 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.

Qualifications:

• 3+ years experience in fraud or risk management or relevant field.
• Intermediate to senior level experience in a similar position preferred
• Good written and verbal communication skills, with ability to connect analytics to business impacts; comfortable presenting to peers and management
• Ability to multi-task and work against tight deadlines
• Ability to work independently with baseline instructions/guidelines from management
• Strong analytic skills, with ability to derive patterns, trends and insights.
• Proficient in Microsoft Office
• Consistently demonstrates clear and concise written and verbal communication
• Extremely detail-oriented; intellectual curiosity.
• KYC retail bank experience, preferred
• Experience with EFD (Enterprise Fraud Detection) a plus

Education:

• Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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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: Jacksonville Florida United States

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Primary Location Full Time Salary Range: $79,120.00 - $118,680.00

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, Constructive Debate, Controls Design, Escalation Management, 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: Apr 13, 2026

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. *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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.*