Compliance Product Officer – U.S. Consumer Unsecured Lending
Found in: Jooble US
Description:Serves as a product compliance risk officer for Independent Compliance Risk Management (ICRM) within the U.S. Consumer Unsecured Lending business.
This role is responsible for assisting with internal strategies, policies, procedures, processes, and programs to prevent violations of law, rule, or regulation and design and deliver a risk management framework that maintains risk levels within the firm's risk appetite and protect the franchise.
In addition, engages with the ICRM Product and Function coverage teams, in order to partner to develop and apply Compliance Risk Management (CRM) program solutions that meet the function/business/product and customer needs in a manner consistent with the Citi program framework.
Primary responsibilities include monitoring compliance risk behaviors and providing day-to-day Compliance advice relating to the supported function/business/product and guidance on function/business/product rules/laws and interpretation on internal policies and procedures Responsibilities: Assisting in the design, development, delivery and maintenance of best-in-class Compliance, programs, policies and practices for ICRM.
Providing independent, credible compliance challenge in support of related functional activities conducted by the US Cards line of businesses front office groups (Lending, Marketing, Product Management, Digital, etc.).
Focus includes, but is not limited to, unsecured lending products, associated lending marketing, customer communication and the lending digital (online, mobile) customer experience.
Collaborating with other internal cross-functional partners including Legal, Operations, Technology, Finance, Control Functions (In-Business Risk, etc.) to address compliance issues that may affect the supported function/business/product.Supporting the function/business/product in performing timely compliance review of new products. Develop and execute monitoring routines related to specific coverage areas.
Providing guidance on rules and regulations relating to function/business/product operational issues, as well as, provide transactional approvals and interpretation of internal compliance policies.Assisting with regulatory inquiries and/or examinations. This may include coordination with regulators and other parties.
Collaborating with other internal areas including:
Legal, Business Management, Operations, Technology, Finance, other Control Functions, and In-Business Risk to address compliance issues which may impact the supported function/business/product.Supporting the function/business/product in performing timely compliance reviews of new products. Assisting in the development and administration of Compliance training for the supported function/business/product.
Researching any new reform rules and rule changes and implementing policies, procedures or other controls necessary to comply with the rules.
Additional duties as assigned 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:
Knowledge of Consumer laws, rules, regulations, risks Knowledge of unsecured lending products such as Personal Loans, Balance Consolidation products, Flexible Payment Programs, Point of Sale Financing.Understanding of rules and regulations relating to unsecured lending products, specifically TILA/Regulation Z (Unsecured/Open-End), ECOA, and UDAAP. Experience with issues management (issue identification, root cause, corrective actions, remediation). Must be a self-starter, flexible, innovative and adaptive Strong interpersonal skills with the ability to work collaboratively and with people at all levels of the organization Strong written and verbal communication and interpersonal skills Ability to both work collaboratively and independently; ability to navigate a complex organization Advanced analytical skills Ability to both work independently and collaborate with team members Excellent project management and organizational skills and capability to handle multiple projects at one time Proficient in MS Office applications (Excel, Word, PowerPoint)
Demonstrated knowledge in area of focus Relevant certifications desirable (CRCM) Education:
Bachelor's degree; experience in compliance, legal or other control-related function in the financial services firm, regulatory organization, or legal/consulting firm, or a combination thereof; strong working knowledge of function/business/product supported and the related operations and financial requirements; Advanced degree preferred (MBA, JD)
CRCM preferred Job Family Group:
Control Job Family:
Product Compliance Risk Management Time Type:
Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.Citigroup Inc. and its subsidiaries ("Citi") invite all qualified interested applicants to apply for career opportunities.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi .View the " EEO is the Law " poster. View the EEO is the Law Supplement . View the EEO Policy Statement . View the Pay Transparency Posting
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