About this role
As a senior leader within Independent Operational Risk Management (ORM / 2LOD ), this role serves as the lead Risk Officer providing comprehensive oversight, review, and credible challenge to the Wealth Retail Bank and Citigold business. The role will be accountable for establishing the holistic operational risk coverage strategy across all products, end-to-end processes, risk profiles, and control ecosystems aligned to the Wealth Retail Bank and Citi Gold Business.
The successful candidate will bring deep, current subject-matter expertise in Retail Wealth and Consumer Banking products—including deposit accounts, consumer lending, residential mortgages, Business Banking and affiliated wealth solutions. Operating under Citi's Operational Risk Framework (ORMF) and Enterprise Risk Management Framework (ERMF) and alignment with Regulatory Heightened Standards, this role ensures robust risk governance, active challenge of first-line self-assessments (such as the Manager's Control Assessment / MCA), and rigorous thematic risk mitigation across critical risk domains in close partnership with ORM Risk Discipline Subject Matter Experts (SMEs).
This role is crucial to the company as it fortifies against potential operational risks, thereby protecting the company's financial stability and reputation, and contributing towards overall business resilience and success.
Qualifications :
- Experience : 10+ years of operational risk management, enterprise risk, or internal oversight experience within a Tier-1 financial institution.
- Framework: Deep expertise in operational risk frameworks, RCSA/MCA methodologies, Risk Identification, Control design and execution and risk mitigation practices.
- Issue Governance : Strong track record in assessing root-cause analyses, validating corrective action plans (CAPs), and governing issue remediation.
- Independent Challenge: Proven ability to deliver proactive, robust, and credible challenge to the 1st Line of Defense on emerging risks and control effectiveness.
- Business Expertise : In-depth knowledge of retail wealth banking, Citigold affluent client segments, advisory operations, and branch/digital distribution channels.
- Product Oversight: Solid understanding of wealth product lifecycles, structured investments, brokerage services, lending, and associated operational risks.
- Regulatory Knowledge : Working familiarity with OCC Heightened Standards
- Regulatory & Audit Interaction: Direct experience engaging with bank regulatory examination teams, supervisory bodies, and Internal Audit.
- Strategic Risk Alignment: Ability to think strategically and align operational risk priorities with overarching business objectives and regulatory mandates.
- Complex Initiatives: Demonstrated experience managing risk oversight across complex, firm-wide transformations and large-scale process implementations.
- Stakeholder Influence: Compelling leadership qualities with the ability to influence senior management, navigate competing priorities, and overcome operational barriers.
- Communication: Exceptional communication skills with the ability to present complex risk topics clearly to executive committees and cross-functional teams.
- Negotiation & Independence: Dynamic negotiation skills with a proactive "no surprises" approach and the conviction to sustain independent risk viewpoints.
- Adaptability & Problem-Solving: Robust analytical problem-solving abilities, high integrity with confidential data, and agility in dynamic operating environments.
Education :
Bachelor's/University degree, Master's degree preferred
Certifications: Professional risk management credentials (e.g., FRM, PRM, CRCM) or securities licensing background strongly preferred.
Key values must include collaboration across both internal and external teams. Combined with the strong ability to objectivley review and challange the business in alignment with Hiegeten Standard exceptions
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## Job Family Group:
Risk Management
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## Job Family:
Operational Risk
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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:
$144,480.00 - $216,720.00
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
For complementary skills, please see above and/or contact the recruiter.
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## Anticipated Posting Close Date:
Nov 16, 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.
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 .
View Citi’s EEO Policy Statement and the Know Your Rights poster.