Sr. Analyst, AVP - Consumer Compliance - Independent Assessment

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. This role is part of the US Personal Banking (USPB) Independent Assessment team responsible for evaluating the effectiveness of compliance risk controls implemented by the first and second lines of defense.

You will lead and execute independent testing and monitoring activities designed to assess the design and operating effectiveness of key controls that address consumer compliance risks across USPB businesses including Branded Cards, Citi Retail Services, Retail Bank, and Mortgage.

This role places a strong emphasis on analytical thinking, the use of data analytics in compliance testing, and the ability to investigate deeply and drive meaningful results.

Responsibilities:

• 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.

Qualifications:

• 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 is highly desirable.
• 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.

Education:

• Bachelor's degree required. Advanced degree a plus. Background in compliance, auditing, analytics, legal, or a related control function strongly preferred.

Preferred Skills:

• Demonstrated ability to leverage data analytics to inform testing strategy and identify compliance trends or control weaknesses.
• Proficiency in SQL, Python, SAS, or other analytics tools commonly used in data-driven testing environments.
• Prior work experience in a regulatory agency (e.g., CFPB, OCC, FDIC) or directly interacting with these agencies during exams, MRAs, or enforcement actions.
• Strong investigative mindset and intellectual curiosity willing to go beyond surface-level reviews to uncover root causes and systemic issues.
• Experience developing automated testing routines or partnering with technology teams to build controls-monitoring scripts.
• Knowledge of model governance or how data-driven tools intersect with regulatory expectations.
• Familiarity with Citi's internal systems, compliance frameworks, or previous experience working in a global, matrixed bank environment.
• Track record of contributing to or leading continuous improvement initiatives to evolve testing methodologies, increase testing precision, or reduce manual effort.
• High degree of professional independence, resilience, and accountability, with a proven ability to meet deadlines under pressure.