Compliance Product Officer — Commercial Cards & Domestic Payments

Citi is looking for a Compliance Product Officer to join its Independent Compliance Risk Management (ICRM) team supporting the Payments organization with a focus on Commercial Credit Cards and Domestic Payment products. In this role, you will serve as a compliance officer, identifying compliance risk, helping to shape compliance risk management frameworks, and working closely with business and control function partners to maintain compliance risk levels within the firm's risk appetite. Your work will directly influence how Citi manages compliance risk for a portfolio of commercial and institutional payment products.

Responsibilities:

• Serve as a compliance officer for Commercial Credit Cards and Domestic Payments, delivering day-to-day regulatory guidance for applicable laws, rules, regulations, and policies.

• Assist in the design, development, and maintenance of compliance programs, policies, and practices that reflect regulatory requirements and support sound compliance risk management practices.

• Identify compliance risk behaviors across supported business lines, recognizing emerging risks and issues and escalating control gaps.

• Assess new payment products and initiatives for compliance risks, ensuring thorough and timely review.

• Assist with regulatory inquiries and/or examinations. This may include coordination with internal stakeholders, regulators and other parties.

• Partner with Legal, Operations, Technology, Finance, and In-Business Risk teams to credibly challenge compliance/regulatory issues and concerns.

• Research regulatory developments and rule changes affecting supported products and identify required updates to policies, procedures, and training materials.

• Assess risk when business decisions are made, demonstrating consideration for the firm's reputation, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

• Additional duties as assigned.

Qualifications:

• 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 with the ability to assess regulatory risk, interpret policy, and translate complex requirements into clear, actionable guidance.

• Strong project management capabilities, with the ability to manage multiple concurrent workstreams and deliver to deadlines in a fast-moving environment.

• Ability to work independently and proactively.

• Proficiency in AI-chat prompting and Microsoft Office applications (Excel, Word, PowerPoint).

• Certified Regulatory Compliance Manager (CRCM) preferred.

Education:

• Bachelor's degree required

• Advanced degree preferred

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## Job Family Group:

Compliance

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## Job Family:

Business Compliance Risk Management

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## Time Type:

Full time

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## Primary Location:

Jersey City New Jersey United States

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## Primary Location Full Time Salary Range:

$142,320.00 - $213,480.00

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.

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## Most Relevant Skills

Analytical Thinking, Business Acumen, Credible Challenge, Digital Skills (Including AI), Laws and Regulations, Process Execution, Program Management, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment.

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## Other Relevant Skills

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

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## Anticipated Posting Close Date:

Oct 30, 2026

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## Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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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.