Sr. Analyst, AVP - Consumer Compliance - Independent Assessment

This is a Sr. Analyst Assistant Vice President (AVP) 2nd Line of Defense position serving as a Consumer Compliance Monitoring and Testing Officer within Citi’s Independent Compliance Risk Management (ICRM) organization.

• Develop, implement, and execute compliance testing and monitoring activities in alignment with Citi’s Compliance Testing & Monitoring Plan.
• Leverage data analytics to enhance sampling strategies, identify potential compliance anomalies, and increase the precision and efficiency of testing.
• Design and execute testing procedures that utilize structured and unstructured data to detect control breakdowns, emerging risk themes, or regulatory gaps.
• Conduct walkthroughs with business stakeholders to gain a deep understanding of end-to-end processes and associated compliance risks.
• Execute issue validation and control testing for Consumer Compliance risks, documenting and reporting findings clearly and concisely.
• Probe deeply into processes and data to ensure robust testing outcomes, and identify root causes of compliance failures where applicable.
• Collaborate with Data Analytics partners, or use your own SQL, Python, or other programming capabilities to analyze datasets as part of testing execution.
• Assist in the development of compliance testing risk assessments, monitoring summaries, and enhancement of testing methodologies.
• Maintain strong partnerships with process owners, compliance officers, and internal audit.
• Escalate control deficiencies or violations of laws, rules, or policies in a timely and transparent manner.
• Stay current with industry best practices and changes in regulatory expectations from agencies such as the CFPB, OCC, and FDIC.
• Support continuous improvement efforts within the Independent Assessment program, including the use of technology and analytics tools.
• Perform additional duties as assigned in support of team goals.

• 5-8 years of experience in Financial Services, with a strong background in Consumer Compliance.
• Prior experience working for or interacting with regulatory agencies such as the CFPB, OCC, or FDIC.
• Proven experience with data analytics/Artificial Intelligence in testing or monitoring activities (e.g., identifying trends, control gaps, or compliance anomalies through data analysis).
• Working knowledge of Consumer Protection laws and regulations such as Reg Z, UDAAP, ECOA/Reg B, SCRA, MLA, FCRA, and Fair Lending.
• Strong working knowledge of coding or query languages (e.g., SQL, Python, SAS) or demonstrated ability to work alongside analytics teams.
• Ability to dig deeply into processes and data to uncover compliance risks and root causes.
• Experience conducting risk-based testing, including planning, execution, and documentation.
• Excellent written and verbal communication skills, with a demonstrated ability to convey complex findings to stakeholders at all levels.
• Strong project management and time management skills with the ability to balance multiple priorities.
• Experience working collaboratively in a large, matrixed organization.
• Effective negotiation skills and sound judgment in escalating issues.
• Certifications preferred: CRCM, CIA, CISA, or other relevant designations.
• Bachelor’s degree required. Advanced degree a plus. Background in compliance, auditing, analytics, legal, or a related control function strongly preferred.

• 401(k) matching
• Health insurance
• Flight privileges

Discover your future at Citi Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.