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Citigroup AVP - Policy Senior Analyst (Deposit Risk) in O'Fallon, Missouri

About the US Retail Bank Deposit Risk Team

The Citi US Retail Bank is a digital-centric bank which strives to create the best customer experience for our clients while supporting stable growth to our deposit account base. The Deposit Risk Team is responsible for account opening policies and account funding/deposit policies for our customers. Through the use of advanced analytics, sound risk management policies and controlled execution, we provide excellent customer experiences while minimizing first party fraud and overdraft losses.

Role & Responsibilities:

Citi is looking for an energetic, motivated professional to join its Deposit Risk team as Risk Policy Senior Analyst. This role will be building and implementing strategies to mitigate first party fraud losses while improving customer experience. Key areas of focus will be development and execution of controls for check deposits across channels, ATM/Debit card transactions, Zelle and ACH account funding transactions. The ideal candidate must thrive in a fast-paced, dynamic environment and enjoy moving rapidly from one task to the next.

Key Responsibilities include:

  • Implementing first party fraud rules in our Actimize-based fraud engine. Optimization of ruleset, profile development and workflow management for all first party fraud rules.

  • Help in the development and implementation of fraud prevention strategies for account funding, P2P/Zelle and check deposits.

  • Optimize existing controls and strategies to improve client experience and/or reduce fraud loss exposure, fully complying with internal policies and applicable laws and regulations.

  • Support large scale projects including testing and deployment of new internally developed machine learning models or vendor models and manage large scale end to end projects

  • Partner in decision quality/defect reviews to identify strategy opportunities on incurred overdraft cases and oversee complex analyses to mitigate losses and identify improvement opportunities.

  • Leverage customer and industry data to build risk segmentation and mitigation strategies.

  • Must be able to effectively provide updates and communicate key initiatives to senior management.


  • Minimum 3-5 years of experience in statistical and data analysis with working knowledge of at least one of the following statistical software packages: SAS/SQL (required), Python, R, or equivalent. UNIX experience desired.

  • Experience implementing fraud rules in Actimize environment highly desired.

  • Big Data experience a plus

  • 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.

  • Experience with core industry online identity and fraud detection products like Iovation and Threat Metrix is a plus.


  • Bachelor’s/University degree in statistics, mathematics, finance, economics, or equivalent experience

  • Graduate degree highly preferred

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

Job Family Group:

Risk Management

Job Family:

Risk Policy

Time Type:

Full time

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) .

View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf) .

View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo_aa_policy.pdf) .

View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf)

Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.