Citi Group Director AML Digital Risk Manager Hybrid 

United States, New Jersey, Jersey City 

81635284

The Director of AML Digital Risk is a critical leadership role responsible for the strategic direction, governance, and ongoing oversight of the AML program as it pertains to the organization's expanding portfolio of digital products and services. This role requires a deep understanding of emerging financial technologies and platforms, including cryptocurrencies, digital assets, distributed ledger technology (DLT), and the innovative applications of generative artificial intelligence (GenAI), and their associated financial crime risks. The Director will be the principal architect and champion of the AML Digital Risk framework, ensuring its effectiveness in mitigating these evolving risks. A key component of this responsibility is the ownership, continuous improvement, and execution of the Virtual Asset Service Provider (VASP) Standard. This standard ensures alignment with rapidly evolving global regulatory requirements, industry best practices, and the organization's risk appetite. The Director will collaborate extensively with internal stakeholders across multiple functions as well as external partners and regulators. This role requires strategic thinking and strong communication skills, a proven ability to lead and develop high-performing teams, and a passion for fostering a culture of compliance and innovation within the organization.

Responsibilities:

• Develop, implement, and maintain a comprehensive AML Digital Risk framework tailored to the unique risks presented by cryptocurrencies, digital assets, DLT, and GenAI. This includes defining risk appetite, establishing control objectives, and implementing appropriate risk mitigation strategies. Continuously monitor the evolving landscape of digital finance and adapt the framework as needed.
• Governance and oversight of the VASP Standard, ensuring its alignment with evolving global regulations, industry best practices, and internal risk tolerances. This includes collaborating with internal and external partners to conduct periodic reviews and updates, implementing robust monitoring and reporting protocols, and ensuring timely identification and remediation of any gaps.
• Partner effectively across functions to design, refine, and implement digital risk controls, ensuring all relevant regulatory requirements are met. Collaborate with business lines and senior management to identify strategic opportunities and drive risk-informed decision-making for new digital initiatives. Liaise with regulators, auditors, and other external stakeholders during examinations, audits, and investigations, serving as the primary point of contact for digital risk matters.
• Oversee and enhance digital risk assessment methodologies, evaluating emerging threats and vulnerabilities within the cryptocurrency and digital asset ecosystem. Leverage data analytics, blockchain analytics, and generative AI solutions to identify potential illicit activities. Establish and refine key risk indicators (KRIs) and key performance indicators (KPIs) to measure program effectiveness and inform continuous improvement efforts.
• Serve as a subject matter expert on AML regulations, providing insights and training to teams to foster a strong culture of compliance. Monitor emerging regulations and guidance related to cryptocurrency, digital assets, DLT, and GenAI to ensure awareness across the organization’s compliance leadership.
• Build, mentor, and lead a high-performing team of AML professionals specializing in digital risk, fostering ongoing professional development. Foster a collaborative environment, sharing knowledge and best practices to strengthen the organization’s overall risk culture.
• Provide regular updates to executive leadership on AML Digital Risk program performance, significant risk exposures, and emerging trends. Champion best practices in AML and broader risk management throughout the organization, ensuring all digital initiatives adhere to sound financial crime prevention standards.

Qualifications:

• 15+ years relevant experience
• Relevant certifications (e.g.: CAMS, ICA, CFE, CFCS, CRCM) highly desirable.
• Proven track record in AML, Compliance, or Fraud Prevention in a financial institution, FinTech, law enforcement, or cryptocurrency/digital asset context.
• In-depth understanding of cryptocurrency, digital asset ecosystems, blockchain technology, and emerging trends (Stablecoins, NFTs, DeFi, GenAI).
• Thorough familiarity with BSA/AML regulations, FATF guidance, and evolving regulatory expectations for digital assets and FinTech.
• Experience with blockchain analytics tools, data analytics platforms, and/or machine learning techniques to detect and mitigate illicit activities.
• Demonstrated ability to lead complex initiatives, effectively prioritize competing demands, and drive cross-functional collaboration.
• Strong written and verbal communication skills, adept at presenting to senior leadership and external stakeholders.
• Skilled in building high-performing teams and fostering a risk-conscious culture.

Education:

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

Anticipated Posting Close Date:

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