Compliance Product Officer — Commercial Cards & Domestic Payments

Citi • Jersey City, NJ

1d • $142,320 - $213,480

About The Position

Citi is seeking a Compliance Product Officer to join its Independent Compliance Risk Management (ICRM) team and support the Payments organization, focusing on Commercial Credit Cards and Domestic Payment products. The role serves as a compliance officer responsible for identifying compliance risk, helping shape compliance risk management frameworks, and partnering with business and control functions to maintain risk within the firm’s risk appetite. The work influences how Citi manages compliance risk across commercial and institutional payment products.

The officer provides day-to-day regulatory guidance, supports the development and maintenance of compliance programs, identifies emerging risks and control gaps, and reviews new payment products and initiatives. The role also supports regulatory inquiries and examinations, researches regulatory changes, and collaborates with cross-functional partners to address compliance concerns. It requires sound judgment in assessing the risks of business decisions, adherence to applicable requirements and policy, and transparent escalation and reporting of control issues.

Requirements

• Six to ten years of experience in compliance, legal, or a related control function within a financial services firm, regulatory body, or legal or consulting organization.
• Prior exposure to payment products such as commercial credit cards, ACH, instant payments, or similar domestic payment solutions.
• Demonstrated knowledge of compliance laws, regulations, risk typologies, and control frameworks relevant to financial products and services.
• Ability to navigate complex organizational structures, build cross-functional relationships, and communicate effectively with stakeholders at all levels.
• Advanced analytical skills, including assessing regulatory risk, interpreting policy, and translating complex requirements into clear, actionable guidance.
• Strong project management capabilities, including managing multiple concurrent workstreams and meeting deadlines in a fast-moving environment.
• Ability to work independently and proactively.
• Proficiency in AI-chat prompting and Microsoft Office applications, including Excel, Word, and PowerPoint.
• Bachelor's degree required.

Nice To Haves

• Certified Regulatory Compliance Manager (CRCM) preferred.
• Advanced degree preferred.

Responsibilities

• Serve as a compliance officer for Commercial Credit Cards and Domestic Payments, delivering day-to-day regulatory guidance on applicable laws, rules, regulations, and policies.
• Assist in designing, developing, and maintaining compliance programs, policies, and practices that reflect regulatory requirements and support sound compliance risk management.
• Identify compliance risk behaviors across supported business lines, recognize emerging risks and issues, and escalate control gaps.
• Assess new payment products and initiatives for compliance risks and ensure thorough, timely review.
• Assist with regulatory inquiries and examinations, coordinating with internal stakeholders, regulators, and other parties as needed.
• Partner with Legal, Operations, Technology, Finance, and In-Business Risk teams to credibly challenge compliance and regulatory issues and concerns.
• Research regulatory developments and rule changes affecting supported products and identify necessary updates to policies, procedures, and training materials.
• Assess risk when business decisions are made, considering the firm's reputation, clients, and assets; drive compliance with applicable requirements and policy; apply sound ethical judgment; and transparently escalate, manage, and report control issues.
• Perform additional duties as assigned.

Benefits

• Medical, dental, and vision coverage
• 401(k)
• Life, accident, and disability insurance
• Wellness programs
• Paid time off, including planned vacation, unplanned sick leave, and paid holidays
• Discretionary and formulaic incentive and retention awards for eligible employees

What This Job Offers

• Job Type: Full-time
• Career Level: Senior