The Merchant and Rewards Integrity Manager will lead enterprise efforts to strengthen and evolve protections across merchant integrity and credit card rewards and points ecosystems. This role will drive proactive detection strategies to address merchant impersonation, inauthentic business activity, and loyalty rewards exploitation. This leader will partner across Fraud, Product, Risk, and Intelligence teams to enhance monitoring, refine controls, and operationalize advanced detection and analytic capabilities that mitigate emerging fraud and loyalty abuse patterns.

This role is accountable for the management of a team of professionals that focus on building detection for, detecting, analyzing, and monitoring intelligence on inauthentic merchants and rewards and points abuse across Citi’s portfolios and products. Requires a comprehensive understanding of multiple areas within a function and how they interact in order to achieve the objectives of the function. Applies in-depth understanding of the business impact of technical contributions. Strong commercial awareness is a necessity. Generally accountable for delivery of a full range of services to one or more businesses/geographic regions. Excellent communication skills required in order to negotiate internally, often at a senior level. Some external communication may be necessary. Accountable for the end results of an area. Exercises control over resources, policy formulation and planning. Primarily affects a sub-function. Involved in short- to medium-term planning of actions and resources for own area. Full management responsibility of a team or multiple teams, including management of people, budget and planning, to include performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval.

Responsibilities:

• Lead and develop a multidisciplinary team of data scientists, data analysts, and fraud strategy professionals.
• Strengthen merchant and rewards risk controls to detect, analyze, and enhance enterprise safeguards related to merchant impersonation, inauthentic business entities, loyalty rewards exploitation.
• Lead data scientists in developing and optimizing behavioral anomaly detection, fraud detection, and entity linkage and network analysis,
• Translate risk typologies into scalable detection strategies
• Improve precision and recall of merchants and rewards monitoring controls.
• Establish measurable performance indicators across merchant and rewards risk domains.
• Oversee intelligence monitoring across digital channels and relevant marketplaces to identify emerging merchant and rewards trends and exploitation patterns
• Partner with Product and Marketing Teams to embed risk considerations into launches and promotions.
• 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 others and create accountability with those who fail to maintain these standards.

Qualifications:

• 10+ years relevant experience
• Experience in fraud risk, business impersonation, merchant fraud, product risk, payments, and rewards and loyalty ecosystems, payment
• Experience with product management or product risk is desirable.
• Expertise in the following would be beneficial: Fraud Awareness and Risk Management Operations and Systems (Information Security Standards, Vendor/Outsourcing Management and MCA Legal and Regulatory Compliance Management of a global operations and a complex environment that includes global teams.
• Excellent communication skills – verbal & written

Education:

• · Bachelor’s/University degree, Master’s degree preferred

Job Family Group:

Risk Management

Job Family:

Operational Risk

Time Type:

Full time

Primary Location:

Jacksonville Florida United States:

Primary Location Full Time Salary Range:

$130,880.00 - $196,320.00
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.

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.

Other Relevant Skills

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

Anticipated Posting Close Date:

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