The Product Fraud Lead Analyst will serve as a product and portfolio- embedded fraud risk integration analysis lead, responsible for developing deep, end-to-end understanding of products and translating that knowledge into targeted fraud monitoring, detection, and intelligence coverage across the Fraud Fusion Center to proactively protect Citi, Citi products, and Citi Clients. This role ensures fraud risk is identified, assessed, and that proactive detection and monitoring is integrated through the portfolio launch and product lifecycle.

You will play a critical role in protecting product integrity , and designing preventative fraud controls that scale with innovation. This role is technical and analytical un nature, focused on product comprehension, fraud risk translation, and orchestration of specialized fraud capabilities.

Key Responsibilities:

• End-to-end product fraud analysis to include participation in ongoing product forums, design reviews, launch readiness meetings and change discussions to guide proactive readiness for fraud detection, alerting, and intelligence monitoring throughout the evolution of Citi’s products.
• Develop and maintain deep working knowledge of assigned products across their full lifecycle, including architecture, customer flows, incentives, and operational dependencies.
• Fuel fraud risk and control translation by assessing fraud prevention and detection controls withing each product and identify areas requiring enhanced coverage.
• Translate product behavior into actionable fraud risk hypothesis to guide monitoring, detection, and intelligence efforts.
• Partner with Fraud Fusion Center Teams to define custom, product-specific, open-open-source intelligence monitoring.
• Work with detection and analytics teams to evaluate whether existing data access and detection and alerting capabilities adequately cover the product portfolio throughout product changes.
• Identify when new, macro-level or portfolio-wide detection strategies may be required based on product fraud risk patterns and intelligence signals.
• Convene and lead cross-functional, Fraud Fusion Center-wide discussions to onboard products, align on fraud risk indicators.
• Synthesize product knowledge into clear guidance for Fraud Fusion Center fraud and intelligence monitoring teams to create proactive detection, prevention, and deterrence strategies.
• Develop fraud risk requirement documentation and frameworks.
• Partner with engineering teams to design preventative controls at product and portfolio build stage.
• Ensure fraud telemetry and logging requirements are embedded at launch, and define required event tracking and data capture for fraud monitoring
• Collaborate with Intelligence, Product, Technology, Policy, Risk, and Fraud Teams.
• Conduct structured post-launch fraud health reviews
• Integrate Fraud Fusion Center Teams at appropriate product life cycle phases to ensure detection, intelligence, monitoring, adversarial simulation, and fraud experts are integrated into the product and portfolio lifecycle.
• Participate in design reviews and sprint planning sessions.

Qualifications:

• Bachelor’s Degree required in statistics, mathematics, physics, economics, or other analytical or quantitative discipline.
• 5+ years experience in managing products or product development.
• Experience embedding fraud controls in product development lifecycle
• Experience supporting red team or adversarial testing initiatives.
• Knowledge of merchant onboarding risk.
• Knowledge of loyalty program mechanics.
• Experience in financial services, fintech, or digital marketplace ecosystems.
• Experience with risk and/or fraud risk.
• Experience with proactive risk identification.
• Experience with cross-functional collaboration and with executive influence without authority.
• High accountability and ownership.
• Excellent verbal and written communication and collaboration skills.

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:

$103,920.00 - $155,880.00
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:

Mar 05, 2026

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