Job Description

This Managing Director role, Global Head of Fraud Prevention, is a senior leadership position within the Enterprise Operations and Shared Services leadership team. This role is pivotal in overseeing and modernizing the firm's Fraud prevention capabilities for Institutional, Wealth and Consumer bank customers, leading a global team of over 7,000 employees across various functions and locations. The incumbent will drive a transformative digital-first strategy, ensuring industry-leading Fraud performance to safeguard the firm and its clients. This role is accountable for end-to-end Fraud prevention, detection, and mitigation, focusing on delivering customer value through automation, digitization, and frictionless experiences, while enabling product capabilities and supporting business growth sustainably. This leader will drive operational excellence, strategic transformation, and continuous innovation across the Global Fraud unit, managing complex, high-volume operations, fostering continuous improvement, and ensuring exceptional service delivery with rigorous regulatory compliance and risk management.

The job requires deep expertise in Fraud prevention technologies and practices, in-depth industry knowledge, and excellent communication skills required to influence a wide range of audiences. The job is likely to be involved in both internal and external negotiations which will have a major impact on the area managed, and possibly on other related areas and organization. This individual will be responsible to develop medium- to long-term plans and successfully execute functional strategies for a large/complex country, cluster of countries, or business requiring coordination and integration across units. This senior executive will be responsible to monitor and protect the customer channels by securing both digital and analog channels from increasing and emerging Fraud risks and losses; deliver on total cost of Fraud and accountable for annual Fraud loss budget; stay abreast of the evolving threat by financial bad actors, and own the end to end Fraud policy globally for all products: Cards, Retail Banking, Wealth, Services, Markets and Corporate and Commercial Banking.

This individual will have full management responsibility of multiple teams, including management of people, budget and planning and will have the authority to negotiate and make independent decisions on issues/activities that have critical impact or influence on company revenues, capital, or business operations.
 

Responsibilities:

• Strategic Leadership & Vision:
  • Define, lead, and execute the strategic vision for Global Fraud Operations, focused on a transformative digital-first strategy that delivers industry-leading fraud performance, ensuring seamless alignment with broader organizational objectives.
  • Drive digitization and the adoption of advanced technologies, including Artificial Intelligence, to create new business value, improve customer experience, and optimize operations.
  • Provide end-to-end accountability to prevent, detect, and mitigate fraud across all consumer, wealth services, markets, banking, international, and all customer-facing digital platforms.
  • Enable business growth by protecting Citi and its clients through compliance with regulatory requirements, balancing customer experience, expense management, and risk appetite.
  • Provide direct leadership and optimize the Fraud strategies and performance of the Institutional, Consumer, Wealth, and Digital Fraud Ops teams, including First- and Third-Party Fraud, Global Analytics Modeling and Data. Ensure the flawless execution of daily operations, maintaining high service levels, and effective management of high-volume transactions and client interactions. Collaborative with other members of the product fraud risk leadership team to ensure maximum cohesion across Policy, Strategy and Oversight.
• Operational Management & Accountability:
  • Oversee the management and modernization of the entire Fraud Operations function, which comprises over 7,000 employees in multiple domestic and international locations.
  • Deliver flawless execution of daily operations, maintaining high service levels, and effective management of high-volume transactions and client interactions.
  • Monitor and protect customer channels, securing both digital and analog platforms that are over-indexed in losses and risk.
  • Drive relevant, actionable, and timely "all source intelligence" into decision processes to prevent, detect, and mitigate the highest priority fraud risks.
• Policy, Governance & Risk Management:
  • Responsible for establishing, maintaining, and enforcing robust Fraud policies, practices, and prevention capabilities that incorporate client experience, revenue generation, and loss mitigation while adhering to regulatory requirements to ensure balanced risk management.
  • Acts as subject matter expert on “Internal Fraud” and provide expert advice and guidance on methodologies for preventing, detecting, and recovering this key fraud type.
  • Identify emerging fraud trends, vulnerabilities, and risks, and develop proactive measures to mitigate potential losses and protect customer assets.
  • Maintain global awareness of emerging regulations related to Fraud policy and ensure Citi Fraud Prevention is adequately represented at industry forums and that our lobbying positions on critical issues are relayed.
  • Ensures that the global Fraud risk community stays connected through timely communication of new emerging threats and new prevention / detection / recovery techniques.
  • As first line of defense owner for Fraud risk, administers Fraud Governance model at both a regional and global basis in partnership with Operational Risk Management as second line of defense owner.  
  • Ensures global consistency in controls and acceptable residual risk levels, coordinating new product fraud risk assessments.
  • Ensure proactive coordination and closure of critical fraud matters, audit findings, and independent risk review findings
  • Ensure sound risk assessment and ethical judgment in business decisions, driving compliance with applicable laws and policies, and fostering accountability for control issues
• Customer Experience & Innovation:
  • Deliver outstanding customer experience by providing safe, predictable, and digitally focused experiences which improve perception and brand reputation.
  • Spearhead initiatives focused on advanced process management, automation, and the comprehensive modernization of core operational workflows.
  • Deliver the design and development of innovative products and solutions to effectively detect, prevent, and manage fraud.
• People Leadership & Development:
  • Establish a culture where employee engagement and talent development are core drivers of everything we do, enabling the attraction, development, and retention of top-tier talent.
  • Provide direct leadership and optimize the performance of multiple fraud operations teams, including First- and Third-Party Fraud, Global Analytics Modeling, and Data.
  • Manage multiple teams of senior professionals through other senior managers, providing full management responsibility including people, budget, and planning.
  • Act as responsible stewards of capital through a relentless focus on expense optimization, fraud prevention, and client centric revenue generation.
  • Collaborate effectively with key internal partners (e.g., Technology, Cyber, Finance, Legal, AML, Compliance, Internal Audit, Product Line of Businesses) and external suppliers to ensure integrated service delivery, strategic alignment, and the successful achievement of cross-functional goals.

Qualifications:

• 15+ years’ experience in global Fraud, operational risk, or credit risk experience. Institutional and/or Retail/Commercial Banking required.
• Detailed understanding of key Fraud prevention technologies required to manage across customer lifecycle: Identity Verification, Application Fraud, Authentication, Session Profiling, Transactional Profiling, Link Analysis and Fraud Case management.
• Knowledgeable about Fraud risks associated checking, ACH, wires, and other payment rails.
• Demonstrated experience in Fraud product strategy, delivery, and management, preferably within the financial services sector.
• Proficiency in implementing Fraud monitoring, detection, and prevention tools.
• Experience with authentication tools deployment.
• Effective relationship building, stakeholder, and third-party vendor management skills.
• Effective people management skills with a proven history of effective delegation, motivation, and employee and customer satisfaction.
• Resilience in the face of pressure and a broader understanding of intelligent risk decisions.
• Wider knowledge of internal Fraud risk.
• Strong analytical and critical thinking skills, with the ability to grasp complex issues related to technology and operations.
• Ability to develop long range plans & understanding of project /program management techniques.
• Ability to manage effectively in a matrixed and ambiguous environment.
• Demonstrated ability to successfully lead and deliver large-scale operational transformations, process re-engineering efforts, and significant automation initiatives.
• Solid understanding of regulatory and compliance requirements pertinent to financial operations
• Ability to adapt to a rapidly changing environment.
• Demonstrated ability to influence and negotiate; able to facilitate a diverse set of senior executives to drive convergence to a common set of priorities and standards across Businesses.

Education:

• Bachelor’s/University degree, master’s degree preferred.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Fraud Risk

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Tampa Florida United States

------------------------------------------------------

Primary Location Full Time Salary Range:

$250,000.00 - $500,000.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

------------------------------------------------------

Most Relevant Skills

Analytical Thinking, Constructive Debate, Controls Design, Escalation Management, Issue Management, Operational Risk, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Anticipated Posting Close Date:

Feb 27, 2026

------------------------------------------------------

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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.