Personal Banking and Wealth Management (PBWM) is a major business at Citi. The In-Business Franchise Risk Organization within PBWM is responsible for development and implementation of key Enterprise Risk Management programs and Financial Risk Management for PBWM. The In-Business Franchise Risk Officer reports to the CEO of PBWM. 

This individual reports to Head of PBWM Risk Appetite Program. The Risk Appetite Program group is responsible for the development and implementation of an integrated Risk Appetite Program across risk categories for PBWM, which aligns with enterprise guidelines and regulatory expectations.

Responsibilities:

• Define, enhance and manage PBWM risk appetite (statements and metrics with limits/thresholds) across all risk categories in partnership with financial risk (wholesale credit and retail credit) and non-financial risk management accountable teams (Operational, Compliance, Reputation, Strategic).
• Drive efforts to link top of the house appetite (PBWM level) to lower level credit portfolio or product level programs for financial risks and lower level risk categories for non-financial risks (e.g. Data, Processing, Technology…etc.).
• Design effective operating model within PBWM to drive accountability and program effectiveness.
• Ensure PBWM’s compliance to the firm’s Risk Appetite Policy and develop business level policy, standards, procedures as needed.

Qualifications:

• 10 years of relevant risk management or related analytical/technical experience required
• Demonstrated experience in leading change, with track record of improving business performance and enhance risk management
• Relevant experience in the following areas:
  • Risk Appetite for Financial and/or Non-Financial Risks
  • Credit risk management (wholesale and/or retail credit)
  • Non-Financial risk management (e.g. Operational, Compliance)
  • Solid understanding of consumer bank and/or wealth management business
  • Solid experience in Financial and Capital planning is a strong plus
  • Understanding of Scenario Analysis for Operational Risk is a strong plus

Leadership Competencies:

• Strong intellectual and analytical capabilities to develop solutions.
• Demonstrated history of driving change and managing for results
• Excellent communication skills both verbal and in writing
• Ability to facilitate productive discussions with key stakeholders
• 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

Education:

• Bachelor’s degree required, master’s degree in a relevant field preferred.

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