Head of AML, Services

Responsibilities

• Lead and develop a global team of AML professionals, driving performance, accountability, and continuous talent development.
• Own and implement the firm-wide AML Risk Management framework, including policy, strategy, and the ongoing delivery of the AML Compliance Risk Management (ACRM) program across clients, products, and geographies.
• Build leadership capability across the organization, ensuring strong succession pipelines and depth of expertise.
• Drive high performance standards, reinforcing ownership and accountability for risk and control outcomes.
• Act as a senior AML risk manager and thought leader, delivering risk-based, cost-effective outcomes across multi-year strategic and control initiatives.
• Shape forward-looking AML strategies, policies, and training programs, anticipating and responding to evolving financial crime risks across emerging technologies, new products, and changing regulatory landscapes.
• Provide comprehensive AML oversight for payments, digital assets, and emerging technologies, ensuring risks are effectively identified, assessed, and mitigated.
• Lead the development and implementation of robust AML controls for high-volume, complex, cross-border, multi-currency and 24/7 transaction environments.
• Proactively identify, assess, and mitigate AML risks associated with new Services product offerings and the integration of emerging technologies into existing payment and liquidity management platforms.
• Provide expert guidance and credible challenge on AML implications arising from BaaS product and service offerings.
• Translate AML requirements into practical business solutions, structuring and driving resolution of complex issues in partnership with senior stakeholders.
• Maintain strong engagement with the business, ensuring initiatives are executed within regulatory expectations.
• Demonstrate deep knowledge of Services products and articulate AML implications clearly to senior stakeholders and regulators.
• Promote pragmatic, scalable solutions that balance effective risk management with client experience and business growth.
• Lead engagement with regulators and internal audit on AML matters, including examinations, reviews, and issue remediation.
• Serve as a subject matter expert in regulatory interactions related to digital assets and payments innovation.
• Oversee and coordinate internal assurance activities, including risk assessments, self-assessments, internal audit, and compliance testing.
• Ensure sound risk management practices are embedded in all business decisions, safeguarding Citi’s reputation and ensuring compliance with applicable laws, regulations, and policies.
• Drive a culture of accountability, effective supervision, and transparent escalation and management of control issues.

Qualifications

• 15+ years of relevant experience.
• 10+ years of managerial experience.
• Prior knowledge of payment-related products and infrastructure is a must.
• Advanced degree (e.g. JD, MBA) or AML certification.
• Experience in a financial institution, specifically in AML.
• Experience in managing regulatory exams and relationships with examiners and auditors.
• Extensive knowledge of appropriate regulatory requirements including local and US laws, international and industry standards.
• Extensive knowledge of AML regulations, risks, and appropriate controls.
• Demonstrated leadership and motivational skills.
• Ability to work with regional and global partners, and influence and lead people across cultures and senior levels.

Education

• Bachelor’s degree/University degree or equivalent experience.
• Master’s degree preferred.

Job Family Group: Compliance

Job Family: AML Risk Management

Time Type: Full time

Most Relevant Skills: Business Acumen, Credible Challenge, Laws and Regulations, Management Reporting, Policy and Procedure, Program Management, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.

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.