U.S. Personal Banking (USPB) is a major line of business at Citi. The In-Business Credit & Franchise Risk Organization within USPB is responsible for managing the credit and franchise risk of the USPB business, including Enterprise Risk Program execution for non-financial (operational and compliance) risks. The Head of In-Business Credit & Franchise Risk reports to the CEO of USPB. One of the groups within In-Business Credit & Franchise Risk Organization is Enterprise Risk and Balance Sheet Management. This group is responsible for executing Enterprise Risk Management (ERM) programs including Risk Identification, Risk Appetite & Limits, New Activities/Product Risk, ERM Risk Monitoring and framework execution. Additionally, this group is pivotal for In-Business Balance Sheet Management, focusing on USPB Capital Resource Management, Recovery & Resolution planning, and Tangible Common Equity (TCE) analytics. This role is part of the Enterprise Risk Management Program Team. The Senior Vice President (SVP) of the Enterprise Risk Management Program Team will lead a critical team responsible for quantitative analysis and qualitative assessment and execution of key Citi Enterprise Risk Management (ERM) Program requirements, including Risk Identification, Product Risk, Risk Appetite, Key Risk Indicators and Limit and Threshold Management. The SVP will be a strategic lead, combining deep analytical expertise with strong leadership capabilities to guide a team of quantitative analysts. This individual will be instrumental in developing and implementing key processes, tools and reporting to support ERM Program execution. **Key Responsibilities** **Team Leadership & Development** + Lead, mentor, and develop a high-performing team of quantitative analysts, fostering a culture of analytical rigor, continuous learning, and innovation. This includes setting clear objectives, providing constructive feedback, and promoting professional growth opportunities. + Provide expert guidance and technical oversight on ERM policy and program requirements to support team understanding and execution. This involves ensuring the application of best practices and methodological soundness in all team outputs. + Oversee comprehensive performance management, talent development initiatives, and strategic succession planning for the team, ensuring a robust and skilled analytical workforce capable of meeting future business demands. **Core Team Responsibilities** + Establish and oversee the application of Enterprise Risk policies, technology and tools, and governance processes to create lasting solutions for program execution + Independently monitor and assess USPB’s non-financial risk (Operational and Compliance) landscape to identify the businesses’ most material and emerging risks + Assist with the quantification of USPB’s non-financial material risks through Scenario Analysis design and execution + Partner with key stakeholders across USPB 1st and 2nd Lines of Defense to establish risk appetite levels across Operational and Compliance Risk categories, including key metrics and measures + Perform periodic assessments against USPB’s stated risk appetite, including the quantitative and qualitative analysis of key factors such as: Quantity of Risk, Quality of Risk Management, Aggregate Risk and Direction of Risk + Partner with key USPB stakeholders to document key management actions to address any identified control weaknesses and/or to breaches to overall non-financial risk appetite + Develop and monitor a robust inventory of non-financial risk metrics and key risk indicators that provide important insights into the overall health and performance of USPB’s non-financial risk profile, including data gathering, calculation, tool value maintenance and reporting + Partner with key USPB stakeholders to dimension the root-cause of metric breaches and develop documented remediation plans to address identified weaknesses + Analyzes a multitude of scorecards/performance management tools in an attempt to identify operational and compliance risk trends and mitigate exposure (risk/financial/regulatory) + Support USPB’s risk assessment of individual consumer banking products, including credit cards, mortgage and retail bank + Develop and maintains relationships across the business and Lines of Defense to better understand and deliver customer requirements by responding to changes in the internal and external business environment + Appropriately assess operational 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** + 12+ years relevant experience + Outstanding communication and influencing skills through all levels of the organization and with external partners and vendors + Ability to lead of team of analysts to identify and manage non-financial risks for a large U.S. consumer bank and execute complex enterprise risk program requirements + Exceptional relationship management skills; must be able to address and resolve conflict while maintaining relationships. + In depth knowledge of Retail Banking, Mortgage, and/or Credit Card Operational processes and technology platforms + Understanding of the regulatory and compliance risk environment facing large consumer banking financial institutions + Ability to effectively communicate complex topics to a broad audience + Detailed oriented with analytical skills, as the role requires a large amount of data manipulation and presentation + Expert in Microsoft Office Tools + Broad understanding of Artificial Intelligence (AI) and current tooling capabilities **Leadership Competencies** + Demonstrated ability to effectively lead, motivate, and develop high-performing teams. This includes fostering a collaborative and inclusive environment, mentoring individual team members, managing performance, and cultivating a culture of continuous learning and excellence + Demonstrated history of driving change and managing for results + Efficiently solves complex, ambiguous problems / situations + Collaborative work style; effectively interacts with partners across organizational boundaries and hierarchies. + Contributes to a positive work environment and remain calm under pressure + Consistently demonstrate clear and concise written and verbal communication **Education** : Bachelor's/University degree, Master's degree preferred ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Most Relevant Skills** Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ _Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._ _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 (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)_ _._ _View Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. 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