Job Description

The Risk Policy Senior Officer I is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Typically a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Accountable for significant direct business results or authoritative advice regarding the operations of the business. Necessitates a degree of responsibility over technical strategy. Primarily affects a sub-function. Responsible for handling staff management issues, including resource management and allocation of work within the team/project.

Responsibilities:

• Manage global and more complex Fundamental Credit Review (FCR) report entities of consumer portfolios
• Assess quality of assigned portfolios, including identification and evaluation of emerging risks
• Assess effectiveness of the credit risk processes and standards of assigned entities to promote leading practices and identify opportunities for improvements
• Review and assess the appropriateness, completeness and usage trends of the credit risk components of the Risk Appetite framework for the assigned portfolios
• Provide autonomous assessment of the accuracy and appropriateness of risk ratings and classifications of the assigned portfolios
• Assess business/risk staffing models to ensure appropriate resources for assigned entities
• Ensure that Corrective Action Plans for assigned businesses are appropriate, monitored and duly validated addressing concerns resulting from FCR Reviews or Business Monitoring
• Ensure that FCR documents including the Credit Assessment Documents and the Fundamental Credit Review Reports meet quality and consistency standards
• Assists the FCR Region Head on regional and/or global tasks
• Keep FCR senior management informed of any concerns and/or emerging risks that may jeopardize their Review Entities
• Aids Quality Assurance activities as Subject Matter Expert
• 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.

Qualifications:

• 10+ years experience in Policies/Analytics/Decision Management
• Ability to think and make decisions in high risk scenarios, appropriately assessing a situation based on available data, experience, intuition, and judgment
• Work under pressure
• Able to handle prioritize
• Good project management skills
• Able to interface with various levels of management in Global/Region/Business and across functions
• Knowledge in consumer risk management credit cycle processes and asset product operations
• Candidates must have effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views

Education:

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

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

Citi Wealth Overview

Citi Wealth is a leading provider of financial solutions for affluent, high‑net‑worth, and ultra‑high‑net‑worth clients around the world. Our Private Bankers, Financial Advisors, and Product Specialists serve as trusted advisors to many of the world’s most successful and influential individuals and families.

We deliver global insights grounded in deep local expertise and provide comprehensive financial strategies tailored to the unique needs of entrepreneurs and business owners, single- and multi-family offices, senior corporate executives, next‑generation investors, inherited wealth, law firms, and attorneys. From investment strategy to banking, lending, and cash management, we support our clients holistically and with a steadfast commitment to helping them preserve, grow, and manage their wealth.

Lending is a core offering within Citi Wealth. Our lending platform provides competitive borrowing solutions strategically integrated into our clients’ broader wealth management goals. We deliver these solutions across all major client segments—including Citi Private Bank, Wealth at Work, Citi Private Client, and Citigold—as part of their broader Citi relationship.

Wealth Lending Governance Team

The Wealth Lending Governance team is a newly established function within the Wealth Lending Strategy & Governance organization. The team brings together Wholesale and Retail product governance and underwriting governance into a unified structure. Its mission is to support the sustainable and responsible growth of the Wealth Lending business by enhancing our governance framework, strengthening policy and control alignment, and promoting disciplined, Wealth Lending-wide execution.

The Wealth Lending Governance Senior Officer (C14/SVP) is a leadership role responsible for shaping and executing the governance, policy, and control strategy that underpins Citi’s global Wealth Lending business. The role drives enterprise-aligned governance standards, ensures end-to-end policy integration, and partners with senior stakeholders across functions and lines of defense to enable responsible, sustainable business growth.

Key Responsibilities

Enterprise Governance & Policy Leadership

• Lead the Wealth Lending policy governance agenda, ensuring policies, standards, and procedures are fully aligned with Citi’s enterprise framework and business strategy.
• Oversee policy change management end-to-end, including enterprise-level impact analysis, business integration, communication, and execution.
• Govern and continuously enhance the global inventory of governance documents to promote transparency, consistency, and control discipline.

Strategic Governance Execution & Cross-Functional Leadership

• Partner with the Head of Governance to deliver critical governance commitments and senior leadership reporting.
• Ensure governance deliverables reflect rigorous risk assessment and strategic alignment.

• Drive resolution of complex issues with senior stakeholders.
• Proactively detect governance gaps or emerging risks and influence corrective action.

• Support oversight of governance-owned controls.

Thought Leadership, Communications & Influence

• Develop governance communications and guidance for stakeholders.
• Serve as a trusted advisor to Wealth Lending stakeholders.

• Lead high-impact governance initiatives.
• Drive integration of governance requirements into business strategy.
• Support senior management and board-level reporting.

Qualifications

• 10+ years of experience in governance, risk & controls, lending, credit, or similar leadership roles
• Experience as part of a high performing lending team and a desire to drive growth
• Strong knowledge of financial markets, investments, banking and loan products
• Able to quickly assess issues, conduct root cause analysis and fix at the source. Influence solutions. Drive best practices on the changes that are best for Citi, our clients and our people.
• Excellent communication (written and verbal) and interpersonal skills
• Capable of effectively communicating with global leaders and broad teams on changes impacting them in relatable language.
• Detail orientation with strong analytical skills.
• Ability to work under pressure and deliver within tight deadlines to drive execution for clients
• Strong negotiation skills
• Strong initiative and interactive approach to problem solving
• Displays flexibility and independence in a demanding environment
• AI experience. Demonstrate ability to leverage AI tools to increase productivity.
• Completion of formal credit training program preferred
• Bachelor’s degree or equivalent experience.

Education

• Bachelor’s degree preferred, advanced degree a plus.

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Job Family Group:

Risk Management

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Job Family:

Risk Framework and Policy

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$ 156,160.00 - $ 234,240.00

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.

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Most Relevant Skills

Analytical Thinking, Controls Lifecycle, Credible Challenge, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

Change Management, Communication, Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment, Stakeholder Management.

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Anticipated Posting Close Date:

jul. 31, 2026

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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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