דרושים Global Loan Iq Senior Product Owner - Svp Hybrid ב-Citi Group ב-United States, Irving

The SVP Operational Risk Stress Testing manages the execution of stress tests for operational risk. These stress tests including enterprise stress tests, such as CCAR and DFAST and stress tests for entities across the globe where Citi has a presence. The role requires a balance of quantitative and analytics skills, leadership /management skills, and written and verbal communication skills. The quantitative and analytical skills are needed to understand the models, interpret results and contribute to the model development agenda. The SVP Operational Risk Stress Testing must work cross-functionally to manage the process and building consensus and support for recommendations. Below is more detail on the responsibilities:

• Execute and communicate the results and assess whether the results fully reflect the underlying conditions of the stress tests.
• Assess the results (e.g., versus various benchmarks) and explain results to key constituents.
• Develop and justify model adjustments where warranted to best reflect stress test narratives and current conditions.
• Partner closely with Finance regarding the operational risk component of Citi’s financial plan
• Work with the technology team to implement improvements to the stress testing methodologies in an IT environment.
• Engage with stakeholders, including internal governance groups, audit and other cross functional constituents regarding the operational risk stress tests.
• Prepare communication materials for senior governance groups.
• Develop processes and procedures to assure that the execution process is efficient and appropriately controlled.
• Lead the analysis and preparation of comprehensive risk reports, identifying and quantifying risks across portfolios such as Credit, Market, and Operational.
• Mentor junior team members, providing technical guidance on advanced risk management practices.
• Make independent, risk-based decisions that align with compliance policies and regulatory requirements.
• Proactively escalate potential risks and control issues, proposing innovative solutions for the continuous improvement of risk management frameworks.
• Design and implement time-sensitive analytics and complex reports, providing critical data for portfolio monitoring and strategic decision-making.
• Implement interactive business insights data visualization artifacts using Tableau Desktop.
• Analyze reporting requirements of regulators and senior management, and propose effective reporting and monitoring solutions.
• Collaborate efficiently with Internal Audit on Management's Risk Assessment (MRA) and Corrective Action Plans.
• Develop strong partnerships with stakeholders, handle challenges, and defend team decisions.
• Enhance data models, data flows, and reporting processes as part of migration to strategic tech tools.
• Present in-depth analysis on key Risk metrics during Senior Management Committee reviews.
• Lead policy-driven, remediation-driven, and regulatory initiatives, tracking progress and proposing recommendations.
• Interpret complex requests from senior management and regulators, providing appropriate solutions or alternatives.
• Deliver timely ad-hoc information for regulatory requests and audit reviews.
• Ensure compliance with key controls and process documentation requirements.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace
• 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards

Qualifications:

• 10+ years of experience
• Certifications such as CPA, FRM or CFA are a plus.
• Exposure and achievement in large scale regulatory facing change programs.
• Experience in managing complex, high-stake projects involving regulatory compliance or changes.
• Ability to navigate the regulatory environment and develop compliance strategies.
• Familiarity with Citigroup's risk processes and practices.
• Direct involvement in processes such as CCAR, CECL, IFRS9, and regulatory stress testing, including understanding the regulatory requirements surrounding these processes and ensuring compliance.
• Expertise in understanding and managing financial instruments, risk metrics, and stress testing.
• Advanced proficiency in programming/modeling, including the creation and management of financial models and algorithms.
• Enhanced critical thinking skills for strategizing and innovating based on complex financial data.
• Superior communication skills to convey complex financial and risk-related concepts effectively.
• Advanced project management skills, particularly for projects involving complex financial instruments and risk metrics.
• Deep understanding of the banking domain, especially risk management and credit policies.
• Improved data analysis and statistical skills, with a focus on application in financial and risk management scenarios.

Education:

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

Anticipated Posting Close Date:

Responsibilities:

• Technical knowledge of Front to Back Architecture involving Workflow, Web based UI, Java Middleware, Messaging (MQ, Kafka, AWS, REST Webservices, ECS), Oracle Database
• Lead integration of functions to meet goals, deploy new products, and enhance processes
• Analyze complex business processes, system processes, and industry standards to define and develop solutions to high level problems
• Provide expertise in area of advanced knowledge of applications programming and plan assignments involving large budgets, cross functional project, or multiple projects
• Develop application methodologies and standards for program analysis, design, coding, testing, debugging, and implementation
• Utilize advanced knowledge of supported main system flows and comprehensive knowledge of multiple areas to achieve technology goals
• Consult with end users to identify system function specifications and incorporate into overall system design
• Allocate work, and act as an advisor/coach developers, analysts, and new team members
• Influence and negotiate with senior leaders and communicate with external parties
• 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 of relevant experience
• Experience in applications development,
• Experience in Resource and Project management (technical)
• Able to architect new solutions as part of technical manager role
• Experience managing global technology teams including BAs
• Working knowledge of industry practices and standards (knowledge/work ex in Financial industry and Reference data a plus)
• Consistently demonstrates clear and concise written and verbal communication

Education

• Bachelor’s degree/University degree or equivalent experience
• Master’s degree preferred

Anticipated Posting Close Date:

ICM Underwriters manage a portfolio of relationships acrossConsumer Retail and Healthcare, being responsible for the continuous monitoring of that portfolio. That includes the production of annual reviews, quarterly reviews, and the support of ad-hoc transactions and portfolio & industry reviews and stress testing, in partnership withConsumer Retail and Healthcareand Risk. This role reports to the Head of Consumer Retail and Healthcare Underwriting.

Key Responsibilities:

Executes, aligned with global and regional strategies, all responsibilities regarding underwriting,

including, but not limited to:

• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums

• Detailed review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources

• Review and approval of Credit Approval Memos (CAM) packages

• Partner with Front Office on structuring and production of term sheet for new transactions

• Facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions

• Support ICM Underwriting organization on strategic initiatives / projects as required

Risk Management Experience:

• Senior credit approval authority covering large and complex underwritings, capital commitments, derivatives with multi-industry experience

• Experience in and exposure to global credit risk management standards

• Ability to understand capital markets products and complex financing and product structures

• Ability to provide strategic insights and strong sensitivity to macro and regulatory issues

• Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations

Client Relationships / Business Partnership:

• Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices of competitors

• Navigates organizational complexity and breaks silos

• Creates and sustains a network of strong partnerships with the business in all segments geographies and other risk functions

• Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and client relationships

• Proven track record of partnering with global peers in leveraging and implementation of best practices

Qualifications:

• 10+ years risk/risk-related credit work experience in banking/financial institutions

• Proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit

• Demonstrates strong ethics and integrity

• Ability to see the ‘big picture’ in a complex environment

• Can make decisions under pressure and short timeline

• Excellent verbal & written communication skills. Active listening skills.

• Excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies

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

Anticipated Posting Close Date:

Responsibilities:

• Underwriting Lifecycle Transformation:

  • Lead the design and implementation of a future-state underwriting model tailored to large and mid market corporate clients, across multiple sectors and geo

  • Enhance the full lifecycle – from client intake, risk evaluation, structuring, and approvals to post decisioning monitoring by embedding policy, data and technology upgrades

  • Identify friction points and reimagine workflows to improve speed to decision, risk precision and client experience

• Policy Modernization and Risk Frameworks

  • Review and enhance credit policies and decisioning models to reflect the complexity of corporate structures, intercompany risk and multi jurisdictional credit obligations

  • Standardize underwriting methodologies where appropriate while enabling adaptations for sector specific nuances

  • Drive Alignment with broader credit risk strategy, ensuring scalable governance and transparency decision-making processes

• Technology & Change Management

  • Oversee the design and delivery of underwriting technology solutions, including decisioning engines, workflow tools, data integration and monitoring platforms

  • Lead the full software development lifecycle in partnership with engineering, data and product teams to build adaptable, modular solutions

  • Champion automation, AI-driven insights and digitization to reduce manual effort, enhance analytics and improve auditability

• Go-To-Market Readiness

  • Define and execute go-to-market strategies for new credit risk technology solutions, including client and user onboarding plans

  • Lead local implementation efforts, ensuring regulatory teams are trained and prepared for new tools and process changes

  • Monitor adoption and effectiveness of new technology solutions, making data driven improvements as needed

• Operational Stability & Production Oversight

  • Ensure ongoing performance and stability of underwriting operations and credit systems

  • Lead production support to manage system incidents, ensure risk controls and maintain day to day operational continuity

  • Implement metrics, dashboards and escalation protocols to monitor effectiveness and rapidly address merging risks or bottlenecks

Qualifications

• 8+ Years of experience in corporate credit, underwriting, risk strategy, product management, and/or transformation within commercial or institutional banking

• Strong working knowledge of credit policy frameworks

• Proven track record of leading technology driven credit risk management initiatives, including experience with SDLC and software implementation

• Expertise in change management and the ability to drive transformation in complex, highly regulated environment

• Strong analytical skills with the ability to synthesize complex regulatory requirements intro actionable technology and process solutions

• Exceptional communication skills with the ability to influence senior stakeholders, risk managers, and cross-functional teams

• Experience managing global teams and working across multiple regulatory jurisdictions

• A mindset for innovation and disruption constantly seeking new ways to optimize compliance while maintaining business agility

• 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

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.

Anticipated Posting Close Date:

Requirements Gathering & Analysis:

• Collaborate with business stakeholders to gather, analyze, and document business requirements for ServiceNow implementations and improvements.
• Translate business needs into functional specifications and user stories.
• Assist in prioritizing requirements based on business needs and technical feasibility.
• Solution Design & Documentation:
• Work with technical teams to design ServiceNow workflows, configurations, and customizations based on business requirements.
• Work with Service Now Architects to maintain detailed documentation, including functional specifications, process flows, and system architecture diagrams.

Process Optimization:

• Analyze existing business processes and workflows to identify areas for improvement and automation.
• Assist in designing and implementing best practices for process improvements within the ServiceNow platform.
• Stakeholder Communication:
• Act as a liaison between business stakeholders and technical teams, ensuring clear communication and alignment throughout the project lifecycle.
• Provide ongoing support and guidance to business users on ServiceNow capabilities and process changes.

Testing & Quality Assurance:

• Develop test plans, test cases, and execute system testing to ensure solutions meet business requirements.
• Support user acceptance testing (UAT) by providing necessary documentation and guidance to end-users.

Training & Support:

• Provide training and support to end-users to maximize the use of the ServiceNow platform.
• Assist in troubleshooting and resolving issues reported by users and stakeholders.

Continuous Improvement:

• Stay up-to-date with the latest ServiceNow features and best practices.
• Recommend enhancements and new features based on business needs and ServiceNow updates.

Qualifications:

• 3+ years of experience as a Business Analyst with a focus on IT Service Management (ITSM) solutions, particularly ServiceNow.
• Proven experience in gathering and documenting business requirements, creating user stories, and collaborating with cross-functional teams.
• Hands-on experience with ServiceNow modules such as Incident Management, Problem Management, Change Management, Asset Management, Service Catalog, and Knowledge Management.

Skills:

• Strong knowledge of ITIL processes and ServiceNow best practices.
• Excellent communication, analytical, and problem-solving skills.
• Experience with ServiceNow reporting and dashboard creation.
• Ability to work effectively in both independent and team environments.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).

Certifications (Preferred but not required):

• ServiceNow Certified System Administrator (CSA).
• ITIL Foundation Certification.
• ServiceNow Certified Application Developer or Implementation Specialist.

Personal Attributes:

• Strong attention to detail and a proactive approach to problem-solving.
• Ability to manage multiple priorities in a fast-paced environment.
• Collaborative and team-oriented, with excellent interpersonal skills.
• Strong customer service orientation with a focus on improving user experience.

Education:

• Bachelor’s degree in Business, Information Technology, or a related field (or equivalent experience).

Anticipated Posting Close Date:

The Project Senior Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.Responsibilities:

• Coordinates and disseminates information of process, policy and procedure changes and ensuring the successful completion of projects managed.
• Applies in-depth disciplinary knowledge of concepts and procedures within own area to resolve issues.
• Ensures creation of project plan and charter benefits management plan, stakeholder management plan, acceptance plan, and central project issue log.
• Ensures resources are assigned to project & monitor commitment.
• Ensures change control is executed throughout project.
• Identifies, documents, and understands project dependencies.
• Identifies key stakeholders who participate in project scope definition.
• Tracks actual project costs, identify variances, and reforecast project costs as needed.
• Measures project management performance against standards.
• Ensures appropriate project staffing levels.
• Establishes project communication needs and create project communication plan.
• Creates the project risk management plan. Work with procurement team to create, administer, track, and eventually close project contracts.
• Facilitates the transition of systems, product & process development to minimize adverse operations impact by ensuring that the business is informed and always aware of the status of process improvements, procedure & systems enhancements and corrective actions for risk issues, identified for the business.
• Participates in the delivery of internal communications enabling the business officers to effectively service clients.
• Acts as a point of contact and liaison between department and required business areas for the implementation of activities to ensure accurate communication to clients.
• Manages and coordinates the business, Citibank and Regional projects with focus on Development and Change Management.
• Manages on a daily basis the investigation of a product, policy and procedure queries raised by team members.
• Liaises with key stakeholders to implement new procedures or clarify any misinterpretation as required.
• Regularly undertakes a review of processes, policies and procedures to identify process gaps and recommend process updates/ policy & procedure revisions associated with Project Management and Business Compliance.
• Provides feedback to Project Management leadership regarding risk issues/business cases raised by specific business units
• Collates communication items, investigate issues and ensure relevant communications are created in a timely clear and accurate manner.
• Drafts and communicates any staff briefs, including system changes.
• Monitors & communicates on Service Level Agreements of other departments that affect the service delivery within a project.
• Conducts ongoing research on effective mediums and tools to improve the communications.
• Has the ability to operate with a limited level of direct supervision.
• Can exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• 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:

• 5-8 years of experience
• Demonstrate strong business knowledge including the understanding of core businesses, supporting processes and operations.
• Working knowledge of call center Technologies including systems, technologies and system work practices.
• Knowledge of HR policies and procedures.
• Knowledge of Call Center industry.
• Previous customer service management experience within a call center setting.
• Tertiary qualifications desirable.
• Outstanding problem-solver, Should demonstrate a commitment to quality and attention to detail

Education:

• Bachelor’s/University degree or equivalent experience

Loan IQ experience

Agile experience

Anticipated Posting Close Date: