Programmer - Digital Authentication Fraud
About The Position
The digital multi-factor authentication (MFA) architecture and design team develops authentication strategies that support digital fraud prevention across Citi. Working with Fraud Policy, Fraud Requirements, Fraud Analytics, Technology, and Identity teams, the team designs and validates authentication frameworks intended to reduce fraud losses, optimize customer access, and scale operational response. This role serves as an architecture and design subject matter expert for MFA in the digital fraud prevention domain, helping shape authentication rule design and enterprise threat-mitigation strategies. The role defines business requirements, develops and presents mitigation strategies to senior leadership, and contributes to authentication design and fraud risk architecture. It analyzes fraud patterns, supports investigations and response strategies, oversees MFA rule changes and post-implementation validation, and advises on strategic fraud prevention initiatives. The position also supports improvements to monitoring and reporting, cross-team training and knowledge sharing, and governance discussions about authentication-related fraud trends. The role is based in Jacksonville, Florida. The listed full-time salary range is $103,920 to $155,880. Eligible employees may also receive incentive or retention awards and benefits, which can include medical, dental and vision coverage, a 401(k), insurance, wellness programs, paid time off, and paid holidays. Offerings may vary by jurisdiction, job level, and date of hire.
Requirements
- At least 6 years of experience in fraud risk, digital platforms, programming, or a related domain; listed as preferred.
- Expertise in digital platforms, including mobile and online platforms, API-based authentication, device and behavioral intelligence, and risk-based multifactor strategies.
- Familiarity with device fingerprinting, orchestration layers, and customer authentication, along with programming exposure.
- Strong analytical skills and the ability to interpret complex data and drive actionable outcomes.
- Ability to work independently, influence stakeholders, and drive initiatives across cross-functional teams.
- Demonstrated experience with Agile delivery and project management methodologies.
- Strong collaboration with business, risk, and technology partners to support project-specific and broader strategic needs.
- Ability to define business requirements, develop and present mitigation strategies to senior leadership, and contribute to authentication design and fraud risk architecture.
- Excellent communication, interpersonal, and problem-solving skills.
- Bachelor’s or university degree.
Nice To Haves
- Master’s degree preferred.
- Experience with C, C++, or Java strongly preferred.
- Experience with SQL, data warehousing, or Tableau preferred.
Responsibilities
- Serve as the primary architecture and design subject matter expert for MFA within digital fraud prevention, aligning designs with Citi’s risk appetite and authentication strategies.
- Partner with Fraud Policy, Fraud Requirements, and Fraud Analytics teams to develop and maintain settings for risk-based authentication that reduce fraud losses and minimize customer impact.
- Analyze fraud patterns across digital channels and contribute to investigation and response strategies, adapting rule design to emerging threats.
- Explain authentication journeys, orchestration flows, decision outcomes, and risk-influencing data attributes to stakeholders in Fraud Operations, Technology, and Business teams.
- Oversee the design and post-implementation validation of MFA rule changes, ensuring they meet fraud interdiction goals without unintended effects on customer access or operational volumes.
- Lead enhancements to fraud detection and error-monitoring dashboards, including automation of API health monitoring and real-time actionable alerts.
- Advise on the technical feasibility of strategic fraud-prevention initiatives, coordinate with business, CISO, and technology partners, and support consistent policy execution across platforms.
- Develop backups, facilitate structured training on MFA architecture, and mentor team members on fraud risk frameworks and investigation support.
- Monitor authentication-related fraud trends and provide insights in governance forums to guide mitigation planning and control recommendations.
- Assess process efficiencies and advocate automation in authentication monitoring, rule validation, and fraud reporting.
Benefits
- Medical coverage
- Dental coverage
- Vision coverage
- 401(k)
- Life insurance
- Accident insurance
- Disability insurance
- Wellness programs
- Paid time off, including vacation and sick leave
- Paid holidays
- Eligible employees may receive discretionary and formulaic incentive and retention awards
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Senior
