דרושים Client Service Associate ב-Citi Group ב-United States, Miami

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:

• Assist the Banker in the creation of sales and marketing strategies designed to generate revenue growth and to acquire new target clients, with a focus on Investments

• Assist the Banker with prospecting - conduct new client/prospect research, generate leads and develop prospects, network to identify referrals to new clients/prospects, and coordinate client events

• Assist the Banker in profiling, qualifying and converting prospects into Citi Private Bank clients.

• Client/prospect meetings - Organize the pre-call planning, organizing post-meeting notes, and maintain all client call records including call reports

• Assist the Banker in deepening the existing client relationship through deep-dive analysis

• Provide accurate and timely revenue tracking and deal pipeline reports and other relevant information to the Banker

• Provide day to day support to Banker on documentation such as account opening and closing, loan disbursals, etc.

• Provide complete service support to client, including solving complex client inquiries

• Ensure appropriate documentation related to KYC/ AML from the client and ensure all aspects of client records and documentation are completed and updated

• 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:

• 6-10 years of experience

• Knowledge of investments is required; banking and credit products desirable

• Ability to manage relationships both internal and external; Ability to multi-task

• Proficiency in Spanish preferred

Education:

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

• FINRA SIE, Series 7, Series 66 (or 63 + 65) required (or obtained within 120 days)

Anticipated Posting Close Date:

updating client tax documentation (W-Series Forms and CRS Forms) and manage day-to-day tax related queries, dealing directly with clients. In addition, CTS will provide project management, and end to end ownership support to tax related projects and initiatives.

This a client facing role

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.

Responsibilities:

• Client liaison for tax related matters,taking end to end ownership for client requests and queries
• Management of UHNW client relationships, engaging with Tax Advisors, Financial Advisors and Accountants
• Establish and lead a high-performing Client Tax Service Team from scratch
• Develop and implement tax service strategies, processes, and best practices to support client needs.
• Train, and mentor client service professionals to ensure excellence in service delivery.
• Collaborate with senior leadership to align tax services with business objectives.
• Client liaison for tax related matters,taking end to end ownership for client requests and queries
• Management of UHNW client relationships, engaging with Tax Advisors, Financial Advisors and Accountants
• Establish and lead a high-performing Client Tax Service Team from scratch.
• Develop standard operating procedures for efficient tax service delivery.
• Implement risk management strategies to minimize exposure to tax penalties and audits.
• Stay up to date with changing tax laws and regulations
• Serve as the primary subject matter expert and partner for clients,
• Build strong client relationships and act as the main point of contact for all tax-related matters
• Provide insights and recommendations to optimize tax efficiency and minimize liabilities
• Coordinate with internal control partners, operations teams, legal, and compliance teams to ensure seamless service delivery.

Qualifications:

• 8-10 years of experience
• Trilingual in Portuguese, Spanish, English
• Ability to multi-task with strong organizational and time management skills per the needs of banker teams and clients
• Ability to problem solve and analyze data with demonstration of attention to detail
• Strong verbal and written communication skills
• Client facing experience; strong background and interest in the fields of operations and compliance; previous sales referral experience
• Knowledge of investments, banking, and credit products
• Tax knowledge and experience: exposure to tax processes, particularly in relation to tax documentation (e.g., W-9, W-8, FATCA), and regulatory requirements

Education:

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

Anticipated Posting Close Date:

• Welcome assigned leads/prospects and introduce them to the Citi platform by walking them through US value propositions, always adhering to highly professional and ethical standards.CSAshould advice client on the best value proposition, segment and banking package according to prospect needs.
• Interview prospects to establish source of wealth, banking needs and to require documents necessary to drive a diligent acquisition process, ensuring fast turnaround in client documentation and KYC profiling, with the highest quality possible, to guarantee quick relationship establishing and funding.
• Lead all onboarding control aspects for the client: AML / KYC / OWS, Alerts, CRF, PUP. Protects the bank and the client by complying with relevant policies, procedures, legal and regulatory framework.
• Performs CIP process by identifying and confirming prospect’s identity through the various methods available according to IPB US procedures.
• Manage DocuSign flow and coordinate with the assigned Wealth Relationship Manager / Wealth Advisor / Client Specialist to walk client through the process.
• Escalate any issues or identified discrepancies encountered throughout the analysis, review, and completion of KYC activities.
• Review account (banking and/or investment) applications and account opening/structure documentation to ensure accuracy and that all policies and procedures are met.
• Add signers, beneficiaries, POA and all client requirements as part of the account opening process.
• Perform OWS and OFAC validation for all new prospects.
• Coordinate with internal teams to ensure that client’s relationship and account opening process is carried out as efficiently as possible, escalating when necessary.
• Control the quality of the application and ensure accuracy on all of the client’s information to avoid rejections.
• Drive client satisfaction by managing customer expectations and using appropriate resources and channels to present effective solutions to client’s needs.
• Adhere to strict regulatory and compliance/AML guidelines, policies, regulations and requirements.
• Act as liaison for account opening and relationship establishment with Wealth Relationship Manager / Wealth Advisor / Client Specialist (RM) in charge of managing prospect’s onboarding process in order to maintain a communication channel and credibility as trusted advisors, delivering high frequency of contact to guarantee close engagement and attention to prospect’s needs until the relationships is fully transferred to the new RM.
• 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 ethical judgement regarding personal behavior, conduct and business practices and escalating, managing and reporting control issues with transparency.

• 0-2 years relevant experience.
• Demonstrated ability to talk to prospects/clients and explain process, value propositions to them.
• Languages: English, Spanish and/or Portuguese preferred (Any other languages are also desirable).
• Bachelor’s degree in Finance, business, or related field.
• Basic knowledge of the wealth management industry.
• Strong Team work skills, as well as Leadership and management skills to coordinate work with assigned support team.
• Keen analytical and research abilities.
• Ability to multi-task and work in a fast-paced environment with limited supervision, with strong organizational and time management skills.
• Ability to prioritize multiple customer needs or issues.
• Ability to build, foster, and maintain positive professional relationships.
• Devotion to high-quality customer service.
• Excellent interpersonal communication skills.
• Knowledge of relationship management best practices.
• Problem solving, analyzing data, and conflict resolution capabilities.
• Highly effective verbal and written communications skills, with attention to detail.

• degree or equivalent experience.

MOFA Initiative. Replacement for Ana Rocha (AR42922) termed on 04/15/2025.

Anticipated Posting Close Date:

The Client Service Sr. 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:

• Deliver wealth management services to Citi Private Bank 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.
• 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, telephone number updates, account status changes, rates and fee waivers.
• Enforce banking policies and procedures to ensure operational integrity while maintaining high client satisfaction.
• Proactively arrange and participate in client visits and perform service quality check-in calls to clients.
• 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.
• Perform responsibilities through proficient use Citi applications. Participate in service related process improvements.
• 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
• Ability to multi-task with strong organizational and time management skills per the needs of banker teams and clients
• Ability to problem solve and analyzes data with demonstration of attention to detail
• Strong verbal and written communication skills
• Client facing experience; strong background and interest in the fields of operations and compliance; previous sales referral experience
• Knowledge of investments, banking, and credit products
• US: Licenses: Series 7/63 or 7/66 or willing to acquire within 120 days

Education:

• Bachelor's/University degree or equivalent experience

Anticipated Posting Close Date:

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• Welcome assigned leads/prospects to US and introduce them to the Citi platform by walking them through US value propositions, always adhering to highly professional and ethical standards.CSAshould advice client on the best value proposition, segment and banking package according to prospect needs.
• Interview prospects to establish source of wealth, banking needs and to require documents necessary to drive a diligent acquisition process, ensuring fast turnaround in client documentation and KYC profiling, with the highest quality possible, to guarantee quick relationship establishing and funding.
• Lead all onboarding control aspects for the client: AML / KYC / OWS, Alerts, CRF, PUP. Protects the bank and the client by complying with relevant policies, procedures, legal and regulatory framework.
• Performs CIP process by identifying and confirming prospect’s identity through the various methods available according to IPB US procedures.
• Manage DocuSign flow and coordinate with the assigned Wealth Relationship Manager / Wealth Advisor / Client Specialist to walk client through the process.
• Escalate any issues or identified discrepancies encountered throughout the analysis, review, and completion of KYC activities.
• Review account (banking and/or investment) applications and account opening/structure documentation to ensure accuracy and that all policies and procedures are met.
• Add signers, beneficiaries, POA and all client requirements as part of the account opening process.
• Perform OWS and OFAC validation for all new prospects.
• Coordinate with internal teams to ensure that client’s relationship and account opening process is carried out as efficiently as possible, escalating when necessary.
• Control the quality of the application and ensure accuracy on all of the client’s information to avoid rejections.
• Drive client satisfaction by managing customer expectations and using appropriate resources and channels to present effective solutions to client’s needs.
• Adhere to strict regulatory and compliance/AML guidelines, policies, regulations and requirements.
• Act as liaison for account opening and relationship establishment with Wealth Relationship Manager / Wealth Advisor / Client Specialist (RM) in charge of managing prospect’s onboarding process in order to maintain a communication channel and credibility as trusted advisors, delivering high frequency of contact to guarantee close engagement and attention to prospect’s needs until the relationships is fully transferred to the new RM.
• 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 ethical judgement regarding personal behavior, conduct and business practices and escalating, managing and reporting control issues with transparency.

• 0-2 years relevant experience.
• Demonstrated ability to talk to prospects/clients and explain process, value propositions to them.
• Languages: English, Spanish and/or Portuguese preferred (Any other languages are also desirable).
• Bachelor’s degree in Finance, business, or related field.
• Basic knowledge of the wealth management industry.
• Strong Team work skills, as well as Leadership and management skills to coordinate work with assigned support team.
• Keen analytical and research abilities.
• Ability to multi-task and work in a fast-paced environment with limited supervision, with strong organizational and time management skills.
• Ability to prioritize multiple customer needs or issues.
• Ability to build, foster, and maintain positive professional relationships.
• Devotion to high-quality customer service.
• Excellent interpersonal communication skills.
• Knowledge of relationship management best practices.
• Problem solving, analyzing data, and conflict resolution capabilities.
• Highly effective verbal and written communications skills, with attention to detail.

• degree or equivalent experience.

MOFA Initiative

Anticipated Posting Close Date:

The Liquidity Change and Data Management team within the Treasury organization works closely with stakeholders to define, drive, and execute end-to-end process design and implementation efforts for processes, controls, infrastructure, and the operational tool set required to support the day-to-day Liquidity Risk Management and reporting functions.

The Treasury Liquidity Change and Data Management Senior Lead Analyst is a strategic professional who will be responsible for supporting transformation workstreams that deliver improved liquidity monitoring and reporting, with a focus on regulatory liquidity automated reporting solutions. This role requires a background in liquidity reporting and/or large-scale project management efforts, combined with a disciplined, process oriented approach to delivery, the ability to function in a dynamic and fluid environment, strong attention to detail and a willingness to drive multiple efforts simultaneously. Excellent communication skills are required to communicate and negotiate internally, often at a senior level. Accountable for significant direct business results or authoritative advice regarding the operations of the business. Necessitates a degree of
responsibility over technical strategy.

Responsibilities:

• Delivery and governance of the Liquidity reporting infrastructure changes including external FR 2052a reporting/LCR/NSFR and internal stress metrics like RLAP, RLEN, RCEN reporting.

• Participates in implementation management for strategic initiatives, technology portfolio budget management in coordination with Global Technology Services, project support, as well as communications and policy management across Finance and Risk.

• Assists in managing the end-to-end program tracking, reporting and implementation processes, communications.

• Strong analytical and problem-solving skills with good attention to detail but also the ability to see the bigger picture

• The ability to understand and clearly articulate the business benefits of the change requests

• A structured approach and good organizational skills to be able to multitask and prioritize where necessary

• Willingness to ask questions and the ability to quickly grasp and master the subject matter at a detailed business level to enhance value add during business requirements discussions.

• Demonstrates execution skills with a proven track record of operating in a transformation environment, including process and technology change management.

• Drive multiple programs simultaneously and plan / prioritize appropriately.

• Work independently, multi-task, and take ownership of various parts of a project or initiative and follow through until resolution.

• Oversight of milestones and input to ensure consistent and timely delivery.

• Work together with the Finance, Technology, and business partners to implement liquidity enhancements and changes with a focus on reporting tools like Tableau and IFW.

• Implementation of reporting functionality and integrated technology platforms.

• Enables a foundational reporting infrastructure across Citi businesses and global functions by ensuring consistency within Finance and Risk

• Applies in-depth understanding of the business impact of technical contributions

Qualifications:

• 10+ years of relevant experience, within the financial services industry highly preferred

• Knowledge in one or more of the following areas: Liquidity Reporting, Program Management, including Project Management and/or management reporting and analysis.

• Requires a comprehensive understanding of multiple areas within a function and how they interact in order to achieve the objectives of the function.

• Requires communication and diplomacy skills in order to guide and influence others.

• Experience and demonstrated ability to manage competing priorities in a complex and dynamic environment.

• Self-motivated with the ability to make decisions in the absence of detailed instructions.

• Excellent Microsoft office skills like data analysis capability using Excel or Access, including graphs, pivot tables, reference functions and data analysis.

• Working knowledge of Microsoft Project, including creation of milestones, dependencies and tracking a project plan baseline.

• Expertise in Microsoft PowerPoint, including experience creating senior management level presentations

• Working knowledge of JIRA and/or project management methodologies Agile & Waterfall

• Very good written and oral communication skills

Education:

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

Anticipated Posting Close Date: