12 Constructive Debate Jobs

The Risk Policy Analyst II position is an opportunity for a developing professional to utilize their specialty area knowledge in monitoring, assessing, analyzing, and evaluating processes and data. In this role, you will interpret data, make recommendations, research and interpret factual information, and identify inconsistencies in data or results. You will define business issues and formulate recommendations on policies, procedures, or practices, integrating established disciplinary knowledge within your own specialty area with a basic understanding of related industry practices. Your understanding of how the team interacts with others in achieving the objectives of the area will be crucial. While your impact on the business may be limited, the quality of the tasks/services you provide will directly influence your team. As a Deposit Risk Analyst, your primary responsibilities will include day-to-day activities such as database generation, MIS/reporting generation, portfolio analysis, and policy monitoring to support overdraft mitigation efforts. You will assist the Deposit Risk Policy Manager in managing portfolio policy for deposit/overdrafts, focusing on loss mitigation efforts, returned deposits, overdraft, and loss avoidance. Collaborating with the Portfolio Policy Department, you will provide supporting data and analysis to set risk appetite for the product and work with risk/ops counterparts and the business to manage the portfolio effectively. Furthermore, you will ensure correct policy implementation on an operational level, providing supporting data and analytics at the portfolio and segment levels for monitoring and policy adjustment. Collaboration with the Risk MIS team to provide supporting data for Credit Risk Reporting and Portfolio Quality Review Reporting will also be a part of your responsibilities. It is essential to appropriately assess risk when making business decisions, taking into account the firm's reputation and safeguarding Citigroup, its clients, and assets by ensuring compliance with applicable laws, rules, and regulations. Qualifications for this role include 0-2 years of experience in Statistics/Analytics/Decision Management, with desirable skills in Risk/Business and SAS. You should have the ability to perform analysis supporting decisions related to risk, especially credit risk, work effectively in a team and across diverse backgrounds, and adapt to a rapidly changing external environment. The role requires you to work under pressure in high-risk scenarios, contributing to the business in a competitive market environment. Education requirements include a Bachelor's/University degree or equivalent experience in a relevant field. Your ability to think analytically, engage in constructive debate, manage escalations effectively, apply industry knowledge, understand policies and procedures, execute processes, possess product knowledge, manage risk controls, identify and assess risks will be crucial in this role. If you are a person with a disability in need of a reasonable accommodation to use search tools or apply for a career opportunity, review Accessibility at Citi. Additionally, you can view Citi's EEO Policy Statement and the Know Your Rights poster for further information.,

The Global Leveraged Finance Underwriting Credit Team (LFU) within Institutional Credit Management (ICM) is looking for a Senior Analyst to join its Analytics team. As a Senior Analyst, your main objective will be to provide top-notch credit risk analysis, monitoring, and credit administration in collaboration with the broader ICM Underwriting and Banking, Capital Markets, and Advisory (BCMA) teams. This role plays a crucial part in ensuring the safety and stability of wholesale lending across ICG. Working alongside the LFU team, you will contribute to establishing an exceptional Leveraged Lending Underwriting organization with the primary aim of significantly improving Citis end-to-end Leveraged Lending credit management process. Your responsibilities will include writing Annual Reviews and Quarterly Reviews, as well as supporting LFU Underwriters on transactions. You will be tasked with assessing the credit and financial strength of Citis most complex Large Corporate Clients by conducting fundamental credit analysis using both quantitative and qualitative factors. Monitoring the covered portfolio, staying updated on industry trends, identifying potential credit issues, and collaborating with various partners are also key aspects of this role. To excel in this position, you should possess 4-7 years of credit analysis, origination, or relevant credit experience. Strong analytical skills and the ability to form independent opinions on credit and identify emerging risks are crucial. Being a team player with a strong work ethic, excellent organizational skills, and the capacity to work well under pressure while managing time and priorities effectively are essential qualities. Proficiency in Microsoft Word, Excel, and PowerPoint, as well as financial modeling experience, are required. Additionally, the ability to handle demanding responsibilities independently, meet deadlines, and manage multiple tasks simultaneously is vital. The ideal candidate should hold an MBA, CFA, or CA qualification. A strong awareness of the control environment, including Quality Assurance and Quality Control, is expected. Desired skills for this role include Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Product Knowledge, and Risk Identification and Assessment. If you require a reasonable accommodation due to a disability to access our search tools or apply for a career opportunity, please refer to the Accessibility at Citi policy. For more information on Citis EEO Policy Statement and the Know Your Rights poster, please visit the respective documents.,

As a member of the USPB Risk team, your primary responsibility will be to develop CCAR/CECL models for unsecured portfolios such as credit cards and installment loans. This includes obtaining and conducting QA/QC on all necessary data, developing segment and/or account level stress loss models, performing required tests like sensitivity and back-testing, and validating/recalibrating models annually with the latest data. Additionally, you will be tasked with delivering thorough model documentation and collaborating closely with cross-functional teams, regulatory agencies, and business stakeholders. To qualify for this role, you should possess an Advanced Degree in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or a related quantitative discipline. You should have at least 5 years of experience in quantitative analysis, statistical modeling, loss forecasting, loan loss reserve modeling, and econometric modeling of consumer credit risk stress losses. Experience with unsecured products is considered advantageous. Proficiency in SAS, SQL, Oracle, Unix, Microsoft Word, Excel, and PowerPoint is required, along with the ability to communicate technical information effectively to both technical and non-technical audiences. This is a full-time position that falls under the Risk Management job family group, specifically within Risk Analytics, Modeling, and Validation. As an individual contributor, you will be expected to demonstrate skills such as analytical thinking, business acumen, data analysis, risk identification and assessment, and statistics. For additional skills and qualifications, please refer to the provided job description or contact the recruiter directly. If you require a reasonable accommodation due to a disability to access our search tools or apply for a career opportunity, please review the Accessibility at Citi information. You can also refer to Citi's EEO Policy Statement and the Know Your Rights poster for further details.,

As the Director for the Data Transfer Office at Citi, you will play a vital role in supporting the execution of the enterprise data transfer and data use compliance framework. Reporting directly to the Head of Transfer Office within IMPaCT, you will be responsible for defining and implementing scalable and efficient processes to manage end-to-end clearance activities in compliance with data privacy, bank secrecy, data localization, and outsourcing requirements across 95 countries. This role requires a unique blend of expertise in technology, risk, and controls in financial services, including AI usage and governance integration. You will lead high-performing teams, drive cross-functional coordination, and collaborate closely with country compliance, legal, businesses, and technology heads to strengthen Citi's global data transfer framework and its governance. Your key responsibilities will include leading and managing the execution of the cross-border data transfer lifecycle, ensuring compliance with privacy, data outsourcing, localization, and sovereignty requirements. You will design and optimize regulatory processes, embed legal and control requirements into simplified, reusable, and scalable workflows, and conduct process maturity assessments aligned with enterprise data policy. As a strategic thought partner to senior stakeholders in risk, compliance, technology, and business, you will oversee data transfer governance and serve as an escalation point for complex cases requiring legal interpretation. Additionally, you will build and lead a high-performing team of governance professionals, drive simplification efforts, lead transformation initiatives, and implement tools and case studies for responsible data use in AI processes. To be successful in this role, you should have at least 15 years of experience in privacy, data outsourcing, cross-border transfer governance, and regulatory compliance within large global institutions. You must demonstrate proven leadership in simplification programs, consulting roles, stakeholder alignment, and process optimization. Strong product management credentials, expertise in program delivery, stakeholder management, and data-driven decision-making are essential. Deep understanding of global privacy laws, data residency requirements, and third-party data transfer frameworks is required. You should also have experience in regulatory interaction, audit engagement, process transformation, and leading high-performing teams across geographies. The ideal candidate for this position is a strategic simplifier and technical executor with domain expertise in privacy and data outsourcing. They should have the ability to transform regulatory operations at scale, thrive in complex global environments, and influence senior stakeholders effectively. If you are skilled in operationalizing strategy into streamlined solutions, challenging complexity, and driving change with urgency and precision, we encourage you to apply. This job description offers a high-level overview of the responsibilities associated with the role. Other job-related duties may be assigned as necessary.,

The Financial Planning and Analysis Lead Analyst role at Citi is a senior position that involves providing management with analysis and insights into the company's financial results in collaboration with the broader Finance team. Your main goal will be to contribute to the directional strategy and offer specialized advice on the evaluation of Citis current and projected financial performance. Your responsibilities will include creating financial reports, summarizing financial trends for senior management, advising on directional strategy and significant business decisions, analyzing annual 3-year Strategic/Operating Plans, CCAR PPNR forecasts, mid-year reforecasts, and bi-monthly outlooks in partnership with other FP&A teams, preparing analytics for CEO Reviews, analyzing product profitability, developing relationships with key partners and senior management, preparing presentations for the CFO team, operating with a limited level of direct supervision, exercising independence of judgment and autonomy, acting as a subject matter expert to senior stakeholders and team members, and assessing risks when making business decisions while adhering to compliance and regulatory requirements. To qualify for this role, you should have 6-10 years of relevant experience, proficient computer skills with a focus on Microsoft Office applications, effective verbal and written communication skills, demonstrated presentation skills, and the ability to clearly communicate both in writing and verbally. A Bachelors degree/University degree or equivalent experience is required, while a Masters degree is preferred. Please note that this job description provides a high-level overview of the work performed, and other job-related duties may be assigned as necessary. Skills that are most relevant for this role include Budgeting, Business Acumen, Constructive Debate, Data Storytelling, Management Reporting, Problem Solving, Risk Management, and Stakeholder Management. For additional relevant skills, refer to the information provided above or contact the recruiter. If you require a reasonable accommodation due to a disability to use our search tools or apply for a career opportunity, please review Accessibility at Citi. You can also view Citis EEO Policy Statement and the Know Your Rights poster for further information.,

The position within US Personal Banking and Wealth Management involves developing CCAR/CECL models for unsecured portfolios such as credit cards, installment loans, and ready credit. You will focus on regulatory model monitoring analytics for continuous model performance tracking and annual model reviews. Your responsibilities will include obtaining and QA/QC on all data required for model development, developing segment and/or account level stress loss models, conducting sensitivity and back-testing, and validating/recalibrating models annually. Additionally, you will be responsible for delivering comprehensive model documentation and working closely with cross-functional teams, including business stakeholders, model validation and governance teams, and model implementation team. You will also prepare responses/presentations to regulatory agencies on all CCAR/CECL models built. Qualifications: - Advanced Degree (Masters required, PhD preferred) in Statistics, Applied Mathematics, Operations Research, Economics, MBA (Finance), or other highly quantitative discipline - 2+ years experience in quantitative analysis, statistical modeling, loss forecasting, loan loss reserve modeling, and econometric modeling of consumer credit risk stress losses - Experience with dynamics of unsecured products is a strong plus - Proficiency in SAS/SQL/Oracle/Unix/Microsoft Word, Excel and PowerPoint - Ability to communicate technical information verbally and in writing to both technical and non-technical audiences - Work as an individual contributor Skills: - Analytical Thinking - Business Acumen - Constructive Debate - Data Analysis - Escalation Management - Policy and Procedure - Policy and Regulation - Risk Controls and Monitors - Risk Identification and Assessment - Statistics If you are a person with a disability and need a reasonable accommodation to use search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi's EEO Policy Statement and the Know Your Rights poster.,

About the ESG Controllers team at Citi The Environmental, Social and Governance (ESG) Controllers team within the Finance function at Citigroup Inc (Citi) is responsible for strategically overseeing, preparing, reviewing, and ultimately submitting external ESG disclosures. The team collaborates closely with stakeholders from various departments such as the Sustainability & ESG office, Risk Management, Business Divisions, Human Resources, Legal, and other global functions to ensure timely and accurate reporting with appropriate controls and governance. About the Role As the Sustainability Reporting Policy & Governance Vice President (VP) within the ESG Controllers team, you will play a critical role in developing and implementing effective policies, governance, and controls over ESG disclosures globally for Citigroup. Your responsibilities will include establishing robust policies and standards for regulatory and voluntary sustainability reporting, coordinating cross-functional executive steering forums to ensure effective governance and oversight of reporting activities, and assessing the impact of emerging sustainability reporting requirements on Citigroup's overall disclosure strategy while ensuring compliance with regulatory guidelines. The ideal candidate for this role will have a background in reporting, governance, and controls, along with familiarity with sustainability reporting frameworks and regulations such as the EU Corporate Sustainability Reporting Directive (CSRD), ISSB standards, GHG Protocol, PCAF standards, and California climate-related disclosure rules. Reporting to the ESG Controllers Reporting Policy & Governance Lead, you will be a key contributor to implementing the overall ESG reporting strategy at Citi, requiring strong executive communication and project management skills. Responsibilities - Coordinate cross-functional executive governance forums for critical decision-making, review, and challenge of ESG disclosures and project oversight. - Develop executive-level communications summarizing Citigroup's sustainability reporting strategy, key disclosure items, and effectiveness of disclosure controls and procedures. - Draft, implement, and maintain policy, standard, and procedure documents for global sustainability reporting requirements. - Integrate sustainability reporting processes into Citigroup's Enterprise Risk Management Framework. - Support materiality assessments to identify priority ESG topics and meet stakeholders" needs. - Assess the impact of emerging ESG reporting regulations on Citigroup's disclosure strategy and develop action plans. - Coordinate with finance and regulatory reporting teams to ensure consistency of disclosures. - Develop expertise on ESG disclosures and stay updated on industry trends. - Coordinate with internal auditors or external assurance providers on ESG disclosures. Skills - Bachelor's degree in Finance, Accounting, Business, or related field. CPA and/or CA preferred. - Knowledge of ESG reporting frameworks, regulations, and industry trends. - 5+ years of relevant experience, preferably in financial services or Big 4 audit/consulting firms. - Understanding of financial and regulatory reporting processes. - Strong project management, organization, and decision-making skills. - Excellent communication skills, both written and verbal. ,

Individuals in Cross Disciplinary Controls are responsible for a variety of activities within the Controls capabilities such as assessment & design, MCA, QA, Monitoring & Testing, Issue Management, and Governance Reporting & Analysis to ensure effective end-to-end oversight, design, implementation, and execution of controls. This role encompasses a broad range of risk and control responsibilities across different areas rather than focusing on a specific role. Responsibilities: - Manage and oversee a team of employees - Plan and conduct various deliverables for projects - Execute strategic design and process improvement projects enterprise-wide - Lead cross-functional projects to ensure alignment between solutions and business objectives - Assess the effectiveness of existing controls, identify areas for improvement, and implement necessary changes - Drive controls enhancements to increase efficiency and reduce risk - Assist in executing the Enterprise Risk Management Framework and complying with Risk Management and Compliance Policies - Support oversight of the MCA program, including attestation, quality oversight, and related reporting - Assist in executing the MCA in accordance with the ORM Policy & Framework, as well as applicable Policies, Standards, and Procedures - Assess activities and processes to strengthen risk management quality - Coordinate and manage issues with key stakeholders - Participate in issue quality reviews to ensure compliance with Issue Management Policy, Standards, and Procedures - Support standard and risk controls reporting for better management and decision-making - Participate in the oversight of Citi's governance committees - Appropriately assess risk in business decisions, considering the firm's reputation and compliance with laws and regulations - Supervise teams to ensure adherence to standards and policies Qualifications: - Minimum of 6-10 years of experience in operational risk management, compliance, audit, or other control-related functions in the financial services industry - Ability to identify, measure, and manage key risks and controls - Strong knowledge in developing and executing controls - Proven experience in control-related functions in the financial industry - Experience in implementing sustainable solutions and process improvements - Understanding of compliance laws, rules, regulations, and best practices - Familiarity with Citi's Policies, Standards, and Procedures - Strong analytical, communication, problem-solving, and decision-making skills - Proficiency in Microsoft Office suite, especially Excel, PowerPoint, and Word Education: Bachelor's/University degree; Master's degree preferred Skills: Analytical Thinking, Business Acumen, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Escalation Management, Issue Management, Risk Management, Stakeholder Management Note: For additional skills, please refer to the above or contact the recruiter.,

The Credit Portfolio Analyst II role involves the end-to-end implementation of Credit rules for customer-facing credit risk platforms. You will ensure that all credit risk technology solutions are deployed effectively and in alignment with regulatory requirements and business objectives. Your responsibilities will include validating platform performance, identifying optimization opportunities, and ensuring the stability, reliability, and scalability of systems in production. Your role will require a basic understanding of credit risk systems, customer impact, and technology operations. This includes pre/post-implementation assessments, operational risk management, and ongoing system monitoring to prevent disruptions and ensure compliance. You will be responsible for analyzing, designing, and implementing credit risk rules to support models, strategies, and adjudication actions. This will involve creating new rules or maintaining existing credit rules for Authorizations in SAS Fraud Management System (FSM) / SAS Raptor tool and performing unit testing to validate the rules logic. You will also be responsible for performing rules validation of all customer-facing credit risk platforms post-deployment, ensuring they function as intended, align with business strategies, and meet regulatory requirements. Additionally, you will implement credit auth monitoring processes to assess operational performance, data integrity, and customer impact across various product lines, ensuring timely resolution of production issues. Furthermore, you will work to enhance governance and control frameworks for credit risk platforms, focusing on operational risk management in production environments. This includes implementing ongoing risk assessments to identify and mitigate emerging risks, collaborating with cross-functional teams to integrate risk controls into the credit decisioning process, and ensuring issues are escalated appropriately. To qualify for this role, you should have at least 2 years of experience in credit risk analysis or corporate banking/financial institutions, hands-on experience with Base SAS, Advanced SAS, and SAS FMS/SAS Raptor tools. Additionally, you should have knowledge of credit and banking products, credit analytics, risk assessment, and transaction execution. Strong analytical skills, clear communication abilities, self-motivation, and business acumen are also important qualifications. This position requires a Bachelor's degree or equivalent experience. If you are interested in a challenging role that involves credit risk management, technology platforms, and operational risk controls, this opportunity may be a good fit for you.,

Individuals in Cross Disciplinary Controls are responsible for various activities within the Controls capabilities including assessment & design, MCA, QA, Monitoring & Testing, Issue Management, and Governance Reporting & Analysis to ensure effective end-to-end oversight, design, implementation, and execution of controls. This role encompasses a broad range of in-business/function risk and control responsibilities rather than focusing on a specific area. Responsibilities: - Accountable for managing and overseeing a team of employees - Manages, plans, and conducts a range of deliverables for projects - Executes strategic design and process improvement projects across the enterprise - Leads cross-functional projects, ensuring alignment between solutions and business objectives through effective communication - Supports the assessment of existing controls, identifying areas for improvement, and implementing necessary changes - Drives controls enhancements focused on increasing efficiency and reducing risk - Assists in the execution of Enterprise Risk Management Framework and adherence with Risk Management and Compliance Policies - Supports oversight of the MCA program, including attestation, quality oversight, and related reporting - Assists in the execution of the MCA in accordance with the ORM Policy & Framework - Helps assess activities and processes to strengthen risk management quality - Coordinates and manages issues with key stakeholders - Participates in issue quality reviews ensuring compliance with Issue Management Policy - Supports standard and risk controls reporting for better management and decision-making - Participates in the oversight of Citi's governance committees - Appropriately assesses risk in business decisions, safeguarding Citigroup and clients - Supervises team activity and ensures compliance with standards Qualifications: - 6-10 years of experience in operational risk management, compliance, audit, or control-related functions in the financial services industry - Ability to identify, measure, and manage key risks and controls - Strong knowledge in controls development and execution - Proven experience in control-related functions in the financial industry - Experience in implementing sustainable solutions and process improvements - Understanding of compliance laws, regulations, and best practices - Knowledge of Citis Policies, Standards, and Procedures - Strong analytical, verbal, and written communication skills - Problem-solving and decision-making abilities - Proficiency in Microsoft Office suite Education: - Bachelor's/University degree, Master's degree preferred Most Relevant Skills: Analytical Thinking, Business Acumen, Communication, Constructive Debate, Controls Assessment, Controls Lifecycle, Escalation Management, Issue Management, Risk Management, Stakeholder Management For complementary skills, please refer to the above information or contact the recruiter.,

The ESG Controllers team at Citi is responsible for overseeing, preparing, reviewing, and submitting external ESG disclosures for Citigroup Inc (Citi). The team collaborates closely with various stakeholders from different functions within the organization to ensure timely and accurate reporting with proper controls and governance. As the Sustainability Reporting Policy & Governance Vice President (VP) within the ESG Controllers team, you will play a key role in developing and implementing effective policies, governance, and controls for ESG disclosures globally at Citigroup. Your responsibilities will include establishing robust policies and standards for sustainability reporting, coordinating executive steering forums to ensure effective governance, and assessing the impact of emerging sustainability reporting requirements on Citigroup's disclosure strategy. To excel in this role, you should have a background in reporting, governance, and controls, along with familiarity with sustainability reporting frameworks and regulations such as the EU Corporate Sustainability Reporting Directive, ISSB standards, GHG Protocol, PCAF standards, and California climate-related disclosure rules. Strong executive communication and project management skills are essential for this position. Your responsibilities will involve coordinating cross-functional executive governance forums, developing executive-level communications on sustainability reporting strategy, drafting and maintaining policy documents, integrating sustainability reporting processes into Citigroup's ERM Framework, supporting materiality assessments, and ensuring consistency in disclosures between different entities within the organization. You will also need to stay updated on evolving disclosure trends in the industry and collaborate with auditors and assurance providers. The ideal candidate for this role should hold a Bachelor's degree in Finance, Accounting, Business, or a related field, with CPA and/or CA credentials preferred. You should have at least 5 years of relevant experience, preferably in the financial services industry or Big 4 audit/consulting firms. Knowledge of ESG reporting frameworks, financial reporting, materiality concepts, project management, and strong communication skills are essential for success in this role. This position offers the opportunity to be a critical contributor to Citigroup's overall ESG reporting strategy, requiring close coordination with internal and external stakeholders. If you are self-motivated, capable of managing competing priorities, and possess a strong understanding of financial and sustainability reporting, this role presents an exciting opportunity to make a meaningful impact within the organization.,

The Risk QC Credit Officer delivers results by exercising discretion and judgment that is based on an in-depth subject matter and industry expertise. You will be evaluating 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. Strong communication and diplomacy skills are required in order to support, guide, and influence others, in particular colleagues within the function and in other areas. You may assist management with planning, policy and procedure formulation, and feedback regarding work product quality. It is crucial to have a strong knowledge of process and the ability to identify gaps and take the lead on process improvement. As a Risk QC Credit Officer, your responsibilities include using judgment to conduct reviews of credit transactions ranging in complexity with direct business impact. This includes new residential real estate mortgage/HELOC financings ranging primarily in size from $500M to $5MM, with some larger dollar transactions up to $50MM, for professional services and high net worth customers of Citi Wealth covering properties in the U.S. You will provide timely and accurate feedback to appropriate levels of management within the function regarding necessary corrections, adjustments, and observations found during second level monthly audit reviews. Consistently evaluating processes and controls for improvement opportunities, potential gaps, and appropriate remediation is essential. You should escalate process-related concerns to the appropriate levels of management within the function. Additionally, you may interact with Risk Management, Originations and/or Credit Policy staff, including senior management levels when applicable or directed, to resolve issues. Performing other duties and functions as assigned is also part of the role. The ideal candidate for this position should have 7+ years of experience in underwriting consumer mortgages; familiarity with Fannie Mae and Freddie Mac guidelines is required. Other experience with portfolio or home equity lending is a plus. Thorough knowledge of property and credit requirements, including secondary marketing concepts, is necessary. Excellent oral/written communication skills, strong analytical, process-driven, and problem-solving skills, along with the ability to interact with all levels of the organization, are important. You should be confident in your ability and able to credibly defend rationale for decisions if challenged or otherwise necessary. Excellent leadership skills are also a key qualification. Education-wise, a Bachelors/University degree strongly preferred (Business, Finance, Accounting, or Economics) or equivalent professional experience is required. 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. Citi is an equal opportunity employer. View Citi's EEO Policy Statement and the Know Your Rights poster.,