Fraud Analyst

Fraud Risk 2nd LOD Lead Analyst Retail Bank, VP Job Req Id: 26974652 Location(s): Wilmington, Delaware, United States Job Type: Hybrid Posted: Jun. 25, 2026 Job Overview This role supports fraud risk management within the Global Independent Fraud Risk team (ORM-Fraud). The role responsibilities include providing support for Fraud Oversight for the North America businesses that includes Citi's Retail Bank and interacting closely with Country in Business Fraud Heads, Global Fraud and Risk teams, and Operations and Technology. Responsibilities Process Oversee implementation of fraud strategy, policy, and projects. Guide and assist in the implementation of sound and effective fraud processes and monitoring across the various North America Portfolios. Oversee compliance to all policies and procedures established at the group level including connected Financial Crimes disciplines. Support discussions with business stakeholders focused on Emerging Risks & Trends, Key Initiatives, Fraud Risk Appetite, Control Framework & proposed enhancements to support Business Growth & Digital Expansion. Support fraud thematic and product oversight reviews in the region. Provide counsel on fraud cases and fraud management related policies, ensuring an independent review of policy compliance. Work with compliance, operations, and credit teams to strengthen front‑end verification and other processes (e.g., identity validation, funds transfers, verification strategies). Facilitate and disseminate fraud risk management best practices across various North America LOBs. People Represent the fraud function with Regional & Business teams to ensure appropriate levels of investment in controls, in relation to business product direction and emerging threats. Champion fraud awareness and best practice sharing with various business stakeholders and aid in the development of fraud risk management training modules. Raise the level of fraud awareness among country fraud officers and other related staff. Financial Ensure fraud losses are operating within the defined Risk Appetite parameters. Track fraud losses versus plan and counsel/review of individual countries / portfolios. Knowledgeable in Banking products or Payments (including non-core) industry in terms of fraud prevention/management practice/programs. Work with Citi Security & Investigative Services (CSIS) in collating and analyzing fraud trends and syndicated criminal activities. Comply with the financial and accounting policies set up by the Risk group office. Development Value: This role offers a unique opportunity to lead a robust career in Fraud Risk Management with exposure to the life cycle of various Banking products and to senior management. Qualifications A seasoned fraud risk professional with 5+ years of Fraud Risk Management in Consumer Banking or Payments. Experience providing Fraud oversight across businesses in compliance with regulations and internal procedures. Understanding of Authentication, Technology & Emerging Digital capabilities. Understanding of analytical and statistical models supporting digital / authentication capabilities. Thought leadership and clarity in presenting ideas to senior management. Understanding and management of various drivers and metrics and the impact on Citi’s P&L. Education Bachelor’s/University degree, Master’s degree preferred Competencies Core Fraud & Operational Risk skills and understanding. Understanding of the Customer Life‑cycle in Banking. Strong business drive and ability to mobilize organizational commitment and support for regional programs. Regulatory Risk and Compliance. Leadership skills and ability to deliver results, working with cross‑functional and virtual teams. Good business understanding and working knowledge of Fraud Risk, Authentication, Payments, Analytics, Operations, Information Security and Technology. Good verbal and written communication skills required in English. Benefits Salary: $114,720.00 - $172,080.00 (annual range) Discretionary and formulaic incentives and retention awards (when eligible). Medical, dental & vision coverage. 401(k) retirement plan. Life, accident and disability insurance. Wellness programs. Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. 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, please review our Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr