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The Risk Policy Officer is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. 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. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

Responsibilities:

+ Responsibility covers managing portfolio risk policy for the aligned products, focusing on growing and maintaining healthy portfolios through line and various accounts maintenance programs such as limit increase/ decrease, accounts renewals/ closure, cross-selling between products

+ Work together with counterparts from Business, Sales, Credit Operations, Decision Management, Operations & Technology to ensure correct policy implementation at an operational level

+ Interact with regional counterparts for policy approval and adherence to Global/Regional Policy requirement

+ Provide analytics at portfolio and segment levels for the purpose of monitoring, making policy adjustments, provide sound credit decisions with the ultimate goal of optimizing risk and rewards

+ Work together with the Risk MIS team, in charge of Credit Risk Reporting and Portfolio Quality Review Reporting, as well as facilitating ad-hoc reporting as needed

+ Responsible for reporting and accuracy of critical portfolio data returns to the Bank's key regulators

+ 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.

+ Responding to Analytic Requests & Surveys for portfolio and program performance

+ Preparing transaction testing data for Audits (IA/PBCR/OCC/CFPB) & Preparing responses to inquiries

+ Controls Projects – Identifying Sizing Impacts for Issues/CAPS and implementing corrective action plans.

Qualifications:

+ 6-10 years experience in Statistics/Analytics/Decision Management will be desirable

+ Highly ethical and with integrity

+ Excellent verbal and written English communication skills

+ Effective listening skills

+ Candidates must have effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views

+ Able to work across levels in risk management and also with other operations and business teams

+ Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary

+ Able to identify and influence key decision makers across various levels and functions within the organization

+ Able to work in a rapidly changing external environment and support business in a highly competitive and challenging market

+ Technical expertise (e.g. SAS/SQL/Excel/Database) , analytical skills, and business domain knowledge

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.

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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:

Wilmington Delaware United States

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Primary Location Full Time Salary Range:

$125,760.00 - $188,640.00

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, 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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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Oct 14, 2025

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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._

_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 Citi’s EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy) and the Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf) poster._

Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.