An individual in the Regulatory Risk Team plays a critical role in enhancing the organizations oversight of regulatory compliance risk with a primary focus on regulatory assessments. This involves the identification and management of regulatory risks and protecting against reputational risk.

Individuals responsible for In-business Risk Management oversee regulatory risk identification, assessment, measurement, monitoring and reporting.

Responsibilities: 

• Identify and assess key regulatory industry events that could impact Cit's consumer businesses
• Direct the assessment of regulatory complaints to identify trends, patterns and emerging risks, especially those that indicate potential regulatory compliance breaches.
• Collaborate with ICRM regularly to ensure correct interpretation and application of requirements.
• Directs the assessment of issues and customer pain points to determine if there are associated regulation risks.
• Oversee periodic quality review mechanisms for issue and customer pain points regulation tagging to ensure consistent application, adherence to established standards and regulatory compliance.
• Prepare presentations to update senior management and various governance committees on developments, emerging risks, control issues, and enhancements.
• Support assessments of regulatory compliance risks for impacting regulations.
• Supervise a team responsible for compliance related risk assessment processes.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.

• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• 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 teams and create accountability with those who fail to maintain these standards

Qualifications: 

• 10+ years of progressive experience in regulatory compliance, risk management or internal audit, subject matter expertise in US prioritized regulations including Regulations Z, B, E, ADA, SCRA, MLA, TCPA, UDAAP, FCRA, GLBA, E-Sign
• Experience in assessing risks and evaluating controls in collaboration with various teams.
• Deep and comprehensive understanding of regulatory frameworks relevant to consumer banking and broader financial services.
• Strong strategic analytical skills with the ability to collect, interpret, synthesize and present complex data from various sources to inform high-level decision-making
• Proficiency in applying requirements and implementing compliance policies.
• Experience in liaising with 2nd and 3rd LOD partners.
• Proven ability in preparing presentations on developments and emerging risks for senior management.
• Advanced proficiency in Microsoft Office Suite, especially Excel, PowerPoint and AI tools
• Capability to enhance, automate, and simplify control processes.
• Exceptional written and verbal communication skills, capable of articulating complex compliance risks and strategic findings clearly and persuasively.
• Superior organizational, project management and leadership skills, essential for driving team performance