דרושים Regulatory Risk Senior Officer ב-Citi Group ב-United States, Miami

Responsibilities:

• Consult with customers about their financial situation, financial and personal objectives and lending needs for the purpose of helping them achieve their home ownership goals.
• Collect and analyze information about the customer's financial situation, financial and personal goals, tolerance for risk and change, plans for the future, income, assets, debts, cash flow, and credit history.
• Analyze financial information for customers to make an initial assessment regarding whether the customer and the property may qualify for a particular lending solution.
• Make recommendations to customers about which lending solutions would best meet the customers' financial and personal objectives
• Advise customers about the consequences, risks, and benefits of alternative lending solutions.
• Promote Citi's brand, and promote Citi as the provider for lending and other financial solutions. This includes promoting Citi and its financial services to real estate agencies, builders, other referral sources, and customers.
• Visit customers outside of Citi's offices, with such visits to vary based on clientele, geography, market conditions, and other factors.
• Work as a team with all internal partners to support and grow our customers.
• Refer customers who seek financial services other than lending solutions to the appropriate Citi professionals.
• Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters.
• Work with Processors/Closers and customers to ensure the timely closing of the customer's loan.
• Go outside to key referral relationships (Realtors, CPA's, Builders, etc). to drive mortgage business into the bank.
• Introduce clients to segment partners when appropriate (including but not limited to Bank, Wealth Management, Small Business, Cards, etc.
• Keep abreast of trends and developments in local marketplace, as well as changing rules and regulations across the industry, and expand internal and external network to better serve clients and industry professionals
• 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:

• 2-5 years relevant experience
• 3+ years previous mortgage sales experience required
• Residential Mortgage experience required
• Established book of business
• Proven product sales capability is required.
• FHA/VA & conventional loan experience is preferred
• The ability to comprehend and explain financial calculations and pricing alternatives.
• The ability to communicate with customers about the proper documents and information needed to obtain a particular loan.
• Knowledge of the laws and regulations that govern consumer lending, including fair lending, privacy, and RESPA.
• Demonstrated customer service skills
• Strong relationship development and management skills
• Expertise of general lending products and overall mortgage industry.
• This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before engaging in mortgage loan originator activities,

Education:

• Bachelor’s/University degree or equivalent experience

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:

Requirements: Requires a Master’s degree or foreign equivalent in Business Administration, International Business, Management or related field and 8 years of experience as Community Development Sr Group Manager, Community Relations Sr Manager/COO, Business Planning & Analysis Manager or related position involving business planning formation within Latin America social investment institutions. Alternatively, will accept a Bachelor’s degree in the stated fields and 10 years of the specified progressive, post-baccalaureate experience. Full span of experience must include: Non-profits governance; Policies for governance of corporate charitable giving; Grant making; Corporate philanthropic giving and financial donations; Non-profit operations, governance, programming and differences within Latin America jurisdictions; Corporate governance; Finance, accounting and tax within Latin America; Implementation of CRM and financial technology platforms within Latin America; Development of Risk and Control frameworks within Latin America in compliance with US regulatory frameworks; Corporate foundation governance and financial planning including operational budget, reserves and cash flow. Additionally, at least 6 years of experience with multi-country controls and risk frameworks for non-profit management. Up to 20% international and domestic travel required. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #25858874. EO Employer.

Wage Range: $243,076 to $243,076

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:

Requirements: Bachelor’s degree, or foreign equivalent, in Economics, Business, Accounting, and six (6) years of experience in the job offered, or in a related occupation in the Financial Services industry. Six (6) years of experience must include: Overseeing Market products and strategy on Foreign Exchange, Money Market, Securities and Derivatives and hedging internal exposures or the franchise liquidity using an understanding of each type of products the business offers to clients; Solving operational issues at any point of trade life cycle, regarding finance activities (valuation and accounting on US GAAP Financials) or compliance activities (regulatory limits or reporting) using expertise and experience regarding the end-to-end trade life cycle of products within Markets, Sales & Trading and Markets Treasury; Providing expert advisory to real time market situations using operational controls to mitigate operational risks, client impacts and reputational damages when gaps are identified or to comply with regulator commitments; Working as a Markets advocate to challenge Finance’s profits & losses (“P&L”) calculations and overseeing how revenues are calculated by product, the mark-to-market of the portfolio, and US GAAP accounting classification to identify differences and processes enhancements; Performing Corporate Treasury activities and governance processes, including liquidity, capital, interest rate and transfer pricing risks controls; and Conducting Control Assessment (“MCA”) of Markets business and Country Treasury. In the alternative, employer will accept Master’s degree and four (4) years of experience. 40 hrs./wk. Applicants submit resumes at . Please reference Job ID #24819799. EO Employer.

Wage Range: $123,748.80 to $165,000.00

Anticipated Posting Close Date:

Duties: Implement governance enhancements across Citi Latin America. Leverage knowledge of Latin America risk, control, and governance processes as well as an understanding of Latin America industry and regulatory standards and requirements to ensure implementation and oversight of governance, regulatory, and transformation projects. Collaborate with Citi stakeholders and Global Groups including Governance, Country Risk, and Regulatory teams to ensure full consideration of the business in the design and roll out of enhanced governance and risk and control frameworks. Work with regional Independent Risk, Compliance, Operations, Market, Liquidity, Credit, Reputation, and Strategic Risk to enhance local control standards and support local management in their governance. Leverage experience with local regulatory and corporate policy to develop strong controls and oversight. Coordinate and draft a Risk Management Framework to ensure appropriate controls and governance are in place based on legal entity regulatory requirements and corporate construct. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite in accordance with Citi policies and protocols.

Requirements: Bachelor degree or foreign equivalent, in Business Administration, Business Management, Statistics, Economics, or a related field, and five (5) years of experience in the job offered or a related finance occupation handling risk management in the financial industry. Five (5) years of experience must include: Working with classifiable and delinquency managed credit and operational policies and procedures including a command of the collateral management process; Performing regulatory risk analysis ensuring compliance with policy related to capital planning, liquidity, portfolio, and operations and regulatory examinations / expectations; Performing risk assessments and management within the framework of risk-weighted assets, portfolio management, liquidity management, and operational risk management in evaluating the impact of different economic and potential stress scenarios on liquidity and operational needs, leveraging advanced proficiency in credit, market, liquidity, and operational risk; Validating and documenting processes, risks and controls including methodologies in line with policies and guidelines applicable to identify and mitigate risks; Regulatory risk project management ownership including business requirements, analysis and testing for delivery of regulatory solutions including IFRS 9, stress testing, and regulatory requirements; and Utilizing Microsoft Office including Excel for metrics and data analysis, PowerPoint for presentation decks, and Word for writing and editing procedural and technical documentation. 40 hrs./wk. Applicants submit resumes at . Please reference Job ID #25848778. EO Employer.

Wage Range: $161,900 to $161,900/year

Anticipated Posting Close Date:

The Senior Wealth Advisor SAFE Act is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and workflow 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:

• Build relationships with new clients with the goal of bringing in new bank and brokerage assets.
• Deepen relationships with existing clients in PWM and Retail bank through the use of financial planning and excellent discovery and profiling skills
• Respond to referrals and introductions generated through business partners and recommend the best offering to clients based on client profiling and suitability assessments
• Make securities recommendations and provide investment advice to clients through a select number of solutions using firm models & research.
• Master referral opportunities to grow portfolio.
• Refer opportunities to segment partners where appropriate (including, but not limited to Senior Wealth Advisor, Small Business Partners, Home Lending Officer, etc.)
• Acquire new clients through converting referral leads.
• Manage client follow-up and adhere to all Regulatory and Compliance operating procedures
• Ensure that KYC/AML and other compliance norms are strictly adhered to
• Partner with all roles on branch team to ensure all clients have a positive in-branch experience
• 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
• Experience in a proactive, successful sales and service role in the financial services industry
• Strong analytical and financial skills
• Strong verbal and written communication skills
• Organized with strong attention to detail
• Knowledge of Microsoft Office (Excel, Outlook, and Word) and experience in financial planning software preferred
• Basic understanding of investment and financial planning strategies preferred
• Must be a self-starter, problem solver and a goal-oriented team player able to work without direction
• Securities Industry Essentials – SIE - Active Series 7, 66 (or 63 and 65) licenses
• Group 1 insurance
• This position requires the employee to register as a mortgage loan originator with the Nationwide Mortgage Licensing System and Registry ("Registry") and obtain a unique identifier from the Registry before referring interested clients to Citibank for their mortgage needs, to maintain and renew that registration on an annual basis, to update registration information with the Registry on a timely basis, and to provide that unique identifier to consumers as required by applicable SAFE Act regulations and Citi policies and procedures.

Education:

• Bachelor's/University degree or equivalent experience

Anticipated Posting Close Date:

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