דרושים ב-Citi Group ב-United States, Miami

Individuals in Cross Disciplinary Controls are responsible for multiple activities within the Controls capabilities such as assessment & design, MCA, QA, Monitoring & Testing, Issue Management and/or Governance Reporting & Analysis for effective end to end oversight, design, implementation, and execution of controls. Individuals in this role may cover a broad range of in-business/function risk and control responsibilities rather than focusing on one specific role.

Responsibilities:

• Support the assessment the effectiveness of existing controls, identifying areas for improvement, and implementing necessary changes.
• Help drive and manage controls enhancements focused on increasing efficiency and reducing risk.
• Assist in the execution of Enterprise Risk Management Framework and adherence with Risk Management and Compliance Policies.
• Help support the oversight the MCA program, including the annual/semi-annual/quarterly/monthly attestation, quality oversight, and related reporting.
• Assist in the execution of the MCA in accordance with the ORM Policy & Framework, as well as applicable Policies, Standards, and Procedures.
• Help assess activities and processes as per required Policies, Standards and Procedures to strengthen risk management quality.
• Collaborate with key stakeholders to develop comprehensive corrective action plans to address identified control gaps or failures
• Participate in issue quality reviews ensuring compliance with
• Issue Management Policy, Standards and Procedures • Support development of standardized risk and controls reporting to ensure sound, reliable, and consistent information exists across the organization, enabling better management and decision-making in line with the expectations of senior management, Board, and Regulators.
• Participate in the oversight of the operations of Citi's governance committees, including coordinating meetings, managing agendas, and ensuring follow-up on action items.
• 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:

• Minimum of 6-10 years of experience in operational risk management, compliance, audit, or other control-related functions in the financial services industry.
• Ability to identify, measure, and manage key risks and controls.
• Strong knowledge in the development and execution for controls.
• Proven experience in control related functions in the financial industry.
• Proven experience in implementing sustainable solutions and improving processes.
• Understanding of compliance laws, rules, regulations, and best practices.
• Understanding of Citi’s Policies, Standards, and Procedures.
• Strong analytical skills to evaluate complex risk and control activities and processes.
• Strong verbal and written communication skills, with a demonstrated ability to engage at the senior management level.
• Strong problem-solving and decision-making skills
• Ability to manage multiple tasks and priorities.
• Proficiency in Microsoft Office suite, particularly Excel, PowerPoint, and Word
• Required FINRA License Series 7, 9 and 10, 63, 65 or 66.

Education:

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

Anticipated Posting Close Date:

Requirements: Bachelor’s degree, or foreign equivalent, in International Business, Finance, Accounting, or a related field, and five (5) years of experience in the job offered or in a related finance occupation in the finance industry. Five (5) years of experience must include: Tracking business financials and understanding emerging markets economics to identify opportunities and risks in short and long-term strategic plans and forecasting models for LATAM banking industry. Performing cost optimization and expense reduction analysis to improve efficiency, effectiveness, productivity, and controls while increasing business profitability. Providing analytical insight on Client Strategic Portfolio within the region, identifying target clients’ needs, generating Red Zone Client analysis, and developing solutions to facilitate strategic financial decision. Using Hyperion Essbase and Smart View to track and analyze business financials results and evaluating efficiency across the region using Key Performance Indicators (KPIs) and Banker/GMMs financials results. Using Power BI, Tableau, and Knime to standardize, create, and share financials results and key performance insights through interactive visual dashboards and leading decision making to Senior Management. Providing analytical insight in Tangible Common Equity (TCE), Risk Weighted Assets (RWA), and General Accepted Accounting Principles (GAAP) to analyze business financials results. 40 hrs./wk. Applicants submit resumes at . Please reference Job ID #25854287. EO Employer.

Wage Range: $125,839.44 to $140,802.40

Anticipated Posting Close Date:

Responsibilities:

• Develop a sales plans and drive individual production goals, including building referral network and relationships with internal partners and external contacts
• Create an environment through activity-based coaching and performance development and implement/execute coaching plan to develop employee’s skill set to achieve personal/branch goals
• Develop and execute integrated sales, relationship, and credit strategies that are aligned with the Retail Bank's priorities, execute business plan to achieve expected goals in all business categories
• Support portfolio growth by identifying opportunities to deepen relationships and increase client acquisition and ensure clients receive optimal service and monitor/adhere to operational controls
• Collaborate with branch partners to successfully achieve goals, build customer relationship and deliver customer service
• Leverage workforce planning tool to optimize staffing in branches and set expectations for branch staff, fostering an environment in which team members work together to achieve all business goals
• Integrate segment partners, partner with Assistant Manager and partner with the Division Operational to drive sales and drive outbound sales activities including: representing Citi and building partnerships in the community
• Conduct daily proof processes to ensure adherence to operational requirements; investigate controllable losses among branch staff; provide coaching and manage performance on decisions used
• Lead hiring process and coordinate performance management, compensation, communication and employee evaluation of branch staff
• Responsible for planning, budgeting and policy formulation and involved in short-term planning resource planning
• 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.

Qualifications:

• 6-10 years of relevant experience required
• Previous experience in banking or financial industry preferred
• Sales management experience preferred
• Registered or willing to register as mortgage loan originator with Nationwide Mortgage Licensing
• Obtain or willing to obtain unique identifier from Registry
• Consistently demonstrates clear and concise written and verbal communication skills
• Consistently demonstrates analytic skills

Education:

• Bachelor's Degree/University degree or equivalent experience
• 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:

S/he will be available domestically and globally to meet with clients and prospects to support banker and regional engagement and will represent the segment for CPB as an external marketing ambassador.

Internally, the role will be a key conduit for franchise relationships across the segment, building lasting and trusted relationships with key partners across Citi, with the end goal of surfacing new commercial opportunities and improving client outcomes.

Institutional Wealth Sales:

Key Institutional Wealth sales focus includes:

• Supporting existing coverage teams in the sale of core Wealth products where suitable and appropriate.
• Coordinate the sales of Direct Private Investing (“DPI”) to the segment. Deal origination is delivered by the existing DPI product teams.
• In partnership with CGW Capital Markets, coordinate CPB sales efforts around suitable Institutional Capital Markets products, including Strategic Equity Solutions, Commercial Real Estate financing and the Markets Direct Access (“MDA”) product program, among others.
• Coordinate CPB efforts with Banking Capital Markets and Advisory (“BCMA”), including the origination of client introductions where suitable.
• Coordinate access to targeted, episodic BCMA transactions suitable for a subset of Institutional Wealth clients.
• Coordination of the Institutional Wealth sales effort across the Private Bank will require close coordination with relevant product teams, including building an increasingly integrated sales approach with the existing Solutions Sales and Capital Markets teams.

Franchise Partnerships:

S/he will build upon well-established policies, procedures and partnerships to increase the two-way flow of client leads.

Within some specific areas, there will be the scope to drive co-coverage of key franchise names where suitable.

Risk Management:

Show leadership in first line of defense risk management for the segment and coordinate closely with the second line to protect the franchise and improve client outcomes.

Experience:

• Proven track record in driving incremental revenue and new client acquisition strategies in a private bank and/or institutional banking setting
• Extensive and proven experience working with family office executives, principals and family members
• Exceptional knowledge and connectivity within the family office ecosystem of advisors, service providers and centers of excellence
• Experience successfully developing and leading revenue-based consulting business, including marketing, business development and operations
• Exceptional consultative, analytical/business evaluation and problem-solving skills
• Excellent interpersonal skills and ability to develop strong working relationships across a matrixed organization
• Demonstrated coaching and people development experience
• Excellent communication (written and verbal) and presentation skills
• Demonstrated ability to motivate staff
• US: must obtain Series 7 and Series 66 registration if they do not already possess it.
• Fluent in Spanish and/or Portuguese

Competencies:

• Team player
• Excellent communicator (staff, clients and colleagues)
• Customer and quality focused
• Thinks strategically – sees the big picture
• Leads by example and is seen as a “role model”
• Is highly regarded and respected within the community
• Ability to handle complex client situations; solution provider
• Ability to influence others (staff, peers and superiors)
• Thinks outside of the box
• Highly motivated to succeed; results oriented
• Self-starter; entrepreneurial spirit
• Active listening skills
• Change agent/flexible

• Bachelor’s/universitydegree; master’s degree preferred

Anticipated Posting Close Date:

A Service Officer provides service support to the Citi Private Latin America businesses. Their focus is to ensure that effective client service is provided to our ultra high net worth clientele. They utilize the client relationships they build to recognize business growth opportunities. The Service Officer strives to continuously improve all of its end-to-end processes, procedures and operational platforms to consistently exceed our client’s needs and expectations.

• Actively supports a Private Banker in delivering consistently high quality banking, credit, trust, fiduciary, capital markets and investment services to target market clients
• Strengthen private banking relationships by providing efficient and timely client service and problem resolution
• Ensure adherence to all internal policies and compliance to legal and regulatory requirements

• Process all client transactions and respond to all inquiries, from external and internal clients to ensure proper validation and execution of customer instructions.
• Stay abreast of all CPB products, services, and processes.

Responsibilities:

• Service Maintenance and Contribute to Business Growth
• Deliver wealth management services to CPB Latam clients with guidance from the Banker teams
• Manage and execute client transactions with respect to business and individual banking, credit and investment products. Ensure transactions are completed within audit and compliance standards as well as timely execution.
• Be attentive and diligent in daily work habits to recognize fraudulent transactions.
• Take ownership of client investigations (e.g., statement reporting issues and pricing inquiries) and collaborate with operational and middle office teams to ensure effective resolution.
• Coordinate account maintenance for all products and reporting on WINS (including address changes, banker/expense code changes, account status changes, stop payments, no post, rates and fee waivers.)
• Enforce banking policies and procedures to ensure operational integrity while maintaining high client satisfaction.
• Proactively assist in preparation of PB client trips, arrange and participate in client visits
• Obtain banker/client appointments to build upon existing or establish new relationships.
• Identify and document new business opportunities for referral to banker or product specialist.
• Utilize internal systems to properly support CPB clients and perform responsibilities through proficient use of the following Citi Private Bank platform applications such as One Source, WINS, DMS, OLOD, etc…)
• Open and link accounts on One Source. Assist Banker to obtain approval on account openings. Independently review all docs and link all client accounts to the appropriate relationship.
• Proactively follow up with clients on post-sale and address concerns.
• Proactively look to uncover business opportunities, client’s unique needs and requirements, and discuss them with the Private Banker.
• Participate in service related process improvements.

Execution (Client Instructions & Requests):

• Work as one with the Banker Teams to promote understanding and provide seamless delivery of products and services.
• Execute client instructions and respond to inquiries. Initiate transaction requests for new business closed by the Private Banker.
• Coordinate with the appropriate groups to ensure timely execution with the highest standards. Access appropriate operational/product resources for help on more complex issues.
• Ongoing communication and interaction with clients via telephone, email, fax or in person
• Interface with Operations and Product Areas to insure timely response to inquiries
• Identify cross-selling opportunities and participate in client visits when appropriate. Work closely with assigned PB's and clients to meet/beat AUM/CNR budget goals of assigned team. Provide banker with suggestions on potential sales opportunities based on perceived client needs, utilizing cash management, large balance and un-invested cash reports, upcoming maturity reports, etc.
• Receive, authenticate and execute customer instructions on funds transfers, execute requests for internal, domestic and foreign funds transfers including FX trades, US multi currency/Foreign Currency products and Loans. (consistent with MPP/MIFT Policy).
• Validate and execute instructions to client requests for foreign drafts and official checks.
• Accurate and timely execution of alternative investments/mutual funds subscriptions, redemptions, structured notes, capital markets or securities purchases and sales.
• Follow-up on the resolution of investigations on client inquiries related to client standards. Resolve client investigations utilizing creative problem solving as necessary.
• Manage client expectations by influencing others who support service to assist in meeting and exceeding client’s needs
• Open, link, and close accounts. Coordinate with Relationship Officer/Private Banker to obtain approval on account openings, independently reviewing all documentation and linking all client accounts to the appropriate relationship.
• Proactively handle client requests for information and identify new product or service possibilities relevant to client's needs. Refer suggested alternatives to the Banker.
• Respond to client requests to draw upon or pay loans.
• Provide securities information, quotes and valuations to client and execute all trade requests.
• Keep informed and current on all activity on the client’s behalf and initiate follow-up to deliver whatever is needed.
• Work with Private Banker to determine when to waive fees or reverse account charges or issue refunds within policy.

Compliance/documentation/control:

• Thoroughly understand and apply all Citi Private Bank policies and processes, and implement changes as needed. Comply with all policies, regulations and procedures. Determine that all client requests comply with legal and policy requirements.
• Consistent with country's legal framework, process transactions, including deposits, withdrawals, additions, payments and special service transactions to ensure that transactions meet compliance guidelines. Adhere to MPP, RDIP, banking, investment and tax regulatory and other compliance policies and procedures.
• Review and ensure that transactions comply with AML/KYC (Anti Money Laundering and Know Your Client) policies and procedures before execution, identify potential problems and refer to appropriate management.
• Identify inappropriate client situations and transactions. Promptly escalate suspicious or inconsistent account activity through an independent channel.
• Completes the account opening process for all new clients, which can be done simultaneously to the CRF process being completed by the RO.
• Completes the account opening process in such cases where no CRF approval is required for all new accounts of existing clients; includes completing CORE applications for clients, reviewing documentation and submitting to Account Opening.
• Review and send all completed documents to intermediaries involved in account administration.
• Understanding of credit process as required for basic credit maintenance: Review and confirm proper documentation of loan transactions and process loans within Credit Policies.
• Coordinate with Credit Specialist/Investment Finance to ensure timely processing of CA renewals. Ensure repetitive or chronic overdrafts are handled accordingly by working with client/banker to establish overdraft lines & escalate to Service Team Manager.
• Maintain Credit Documentation Deficiencies > 60 days to a minimum. Ensure timely and precise viable action plans on weekly o/d reports.
• Business Risk Management - Documentation/Tax-W8ben/Credit Deficiencies to less than 5% of total client base > 120 days, Zero expired BRM's, Zero operational losses, Zero self-test errors, minimize adjustments & refunds, adhere to policies and procedures in order to achieve satisfactory results on audits & reviews.
• Utilize all available technology to fullest potential for increased productivity and compliance/audit results
• Set up, capture and maintain client information on internal systems.
• Keep bank records updated and accurate. Secure missing documents; investigate and correct errors related to client and Bank records.

Knowledge and Skills:

• Bilingual - English / Spanish or Portuguese required;
• Strong verbal and written communication skills.
• Knowledge of banking, fiduciary, credit and investments required.
• Excellent client facing service experience and problem resolution skills required.
• Strong background and interest in the fields of operations and compliance; previous sales referral experience preferred
• Interpersonal and team building skills. Ability to establish relationships and partner effectively with various groups including sales, service, operations, compliance, and marketing
• High level of integrity and commitment to maintaining confidentiality with respect to the franchise and the client
• Proactively communicate client financial activity, large funds movements and other relevant client matters as appropriate
• Demonstrate initiative without compromising compliance or confidentiality
• Detail oriented and ability to multi-task with strong organizational and time management skills per the needs of banker teams and clients. Must be able to quickly manage multiple transactions/tasks
• Ability to problem solve and analyze data with demonstration of attention to detail
• Proficiency and aptitude in utilizing systems, MS Office/Windows, web based and other desktop applications. Strong PC skills are needed to effectively manage daily activities (transaction execution, inquiries and investigations) with various systems.
• Seeks process improvements and generates new ideas to streamline processes/transactions.

Qualifications and Education:

• Series 7 & 63 licenses for US based employees
• Bachelor's degree/University degree or equivalent experience
• Relevant 5-7 years of experience in the financial services industry is preferable

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:

Responsibilities:

• Exhibits strong sales and service skills, presenting products and services while proactively educating clients on utilizing available access channels (ex: ATM, Online, Mobile, etc.)
• Act as a subject matter expert for the branch and remain flexible in position based on branch coverage needs.
• Continuously learns new and existing products through sales aids (features, benefits, fees, etc.) demonstrating positive, can-do attitude and customer first culture.
• Provide exceptional service delivery to our internal and external customers to resolve account service issues and respond to customer inquiries promptly and effectively.
• Is knowledgeable about the client’s accounts and business with the bank and uses sound judgment with customers and transactions
• Energetically greet and interact with clients on the bank floor to proactively identify and address client sales and service needs; appropriately convert service requests into sales or referrals
• Required to approach and engage clients in the branch lobby to demonstrate expertise in digital capabilities and to identify the financial needs of the clients. May require standing 60-70% of the work day
• Ability to use the various marketing tools and digital technology available in the branch to present product offers and financial solutions to existing and potential clients (e.g. sales wall, tablet, smart phone, workbench, iPads, etc.)
• Connect clients to the appropriate partners as necessary (e.g. leverage video conference for FA, mortgage specialist, etc.)
• Take full ownership of clients’ problems to resolve client complaints/issues promptly and effectively to ensure complete client satisfaction with resolution
• Recognize transaction needs of clients, direct them to the alternative self-service channels and provide assistance with self-service as needed
• Educate clients on self-service capabilities and encourage use of digital service channels (e.g. Online, Mobile, ATM, TCR, Teller Assist Unit, if applicable, etc.)
• Exercises ownership and ensure all follow-up items are complete or handled off to the appropriate individual(s) and work harmoniously with multiple team members
• Engage the Citi client by welcoming them with a warm friendly smile, pleasant demeanor, using the client name, whenever possible, and thanking them for doing business with Citi
• Executes financial transactions in accordance with bank policies and procedures while maintaining an acceptable record in daily drawer balancing
• Listens carefully to the client and willingly assists with any questions or problems the client has
• Makes sure all needs are met before concluding the transaction, making the client feel his/her time is being valued without being rushed
• Shows initiative, empathy and proactively prevents and handles problems with clients while assisting other tellers as well
• Create a warm, welcoming and friendly environment for customers and employees by foster teamwork in the branch to ensure a positive overall customer experience.
• Effectively executes all service transactions (e.g. deposits, payments, address changes, replacement card orders, disputes, etc.) and sales (including opening accounts, credit cards, etc.) referral routines to deepen client relationships
• Adheres to and comply with Citibank policies, standards, operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets
• Duties may include managing the supply of cash for branch needs based on business demand, in addition to managing incoming/outgoing cash shipments/maintains vault cash, including buying and selling of cash with branch Tellers and ATMs, as needed (including competence in using teller NBS system & cash recycler to assist customers)
• Good leadership skills and the ability to motivate others
• Actively promoting and participating in branch incentive program(s) by promoting and participating in a sales and service programs consistent with Citi’s business plan goals
• Providing working leadership and guidance to peer Concierge or Tellers through assignment of work and technical guidance, when needed
• Assisting and providing coverage for leadership team with leading by example
• Provide feedback to management on ways to enhance sales processes and service delivery
• Providing coaching and education to the other Concierge or Tellers regarding Digital capabilities, transaction processes and priorities, including a streamlined sales & service process, digital first approach, focus on client problem resolution and effective utilization digital technologies
• Resolving complex client issues or needs; connect with relevant specialists or senior leaders as needed

Qualifications:

• 1-3 years relevant experience
• Required Skills:
  • Experience with face-to-face customer service, digital engagement and basic sales/referrals
  • Open, client service orientation and desire to help customers is required
  • Sales experience desired
  • Excellent verbal and written communication skills
  • Analytical and problem solving skills
  • Basic computer and digital tools skills
• Preferred Skills: Retail experience
• Bilingual English/Spanish Preferred

Education:

• High School diploma or equivalent

Anticipated Posting Close Date:

Responsibilities:

• Exhibits strong sales and service skills, presenting products and services while proactively educating clients on utilizing available access channels (ex: ATM, Online, Mobile, etc.)
• Act as a subject matter expert for the branch and remain flexible in position based on branch coverage needs.
• Continuously learns new and existing products through sales aids (features, benefits, fees, etc.) demonstrating positive, can-do attitude and customer first culture.
• Provide exceptional service delivery to our internal and external customers to resolve account service issues and respond to customer inquiries promptly and effectively.
• Is knowledgeable about the client’s accounts and business with the bank and uses sound judgment with customers and transactions
• Energetically greet and interact with clients on the bank floor to proactively identify and address client sales and service needs; appropriately convert service requests into sales or referrals
• Required to approach and engage clients in the branch lobby to demonstrate expertise in digital capabilities and to identify the financial needs of the clients. May require standing 60-70% of the work day
• Ability to use the various marketing tools and digital technology available in the branch to present product offers and financial solutions to existing and potential clients (e.g. sales wall, tablet, smart phone, workbench, iPads, etc.)
• Connect clients to the appropriate partners as necessary (e.g. leverage video conference for FA, mortgage specialist, etc.)
• Take full ownership of clients’ problems to resolve client complaints/issues promptly and effectively to ensure complete client satisfaction with resolution
• Recognize transaction needs of clients, direct them to the alternative self-service channels and provide assistance with self-service as needed
• Educate clients on self-service capabilities and encourage use of digital service channels (e.g. Online, Mobile, ATM, TCR, Teller Assist Unit, if applicable, etc.)
• Exercises ownership and ensure all follow-up items are complete or handled off to the appropriate individual(s) and work harmoniously with multiple team members
• Engage the Citi client by welcoming them with a warm friendly smile, pleasant demeanor, using the client name, whenever possible, and thanking them for doing business with Citi
• Executes financial transactions in accordance with bank policies and procedures while maintaining an acceptable record in daily drawer balancing
• Listens carefully to the client and willingly assists with any questions or problems the client has
• Makes sure all needs are met before concluding the transaction, making the client feel his/her time is being valued without being rushed
• Shows initiative, empathy and proactively prevents and handles problems with clients while assisting other tellers as well
• Create a warm, welcoming and friendly environment for customers and employees by foster teamwork in the branch to ensure a positive overall customer experience.
• Effectively executes all service transactions (e.g. deposits, payments, address changes, replacement card orders, disputes, etc.) and sales (including opening accounts, credit cards, etc.) referral routines to deepen client relationships
• Adheres to and comply with Citibank policies, standards, operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets
• Duties may include managing the supply of cash for branch needs based on business demand, in addition to managing incoming/outgoing cash shipments/maintains vault cash, including buying and selling of cash with branch Tellers and ATMs, as needed (including competence in using teller NBS system & cash recycler to assist customers)
• Good leadership skills and the ability to motivate others
• Actively promoting and participating in branch incentive program(s) by promoting and participating in a sales and service programs consistent with Citi’s business plan goals
• Providing working leadership and guidance to peer Concierge or Tellers through assignment of work and technical guidance, when needed
• Assisting and providing coverage for leadership team with leading by example
• Provide feedback to management on ways to enhance sales processes and service delivery
• Providing coaching and education to the other Concierge or Tellers regarding Digital capabilities, transaction processes and priorities, including a streamlined sales & service process, digital first approach, focus on client problem resolution and effective utilization digital technologies
• Resolving complex client issues or needs; connect with relevant specialists or senior leaders as needed

Qualifications:

• 1-3 years relevant experience
• Required Skills:
  • Experience with face-to-face customer service, digital engagement and basic sales/referrals
  • Open, client service orientation and desire to help customers is required
  • Sales experience desired
  • Excellent verbal and written communication skills
  • Analytical and problem solving skills
  • Basic computer and digital tools skills
• Preferred Skills: Retail experience
• Bilingual English/Spanish Preferred

Education:

• High School diploma or equivalent

Anticipated Posting Close Date: