Programmer - Digital Authentication Fraud

Overview

The digital multi-factor authentication (MFA) architecture & design team is responsible for authentication strategies that support digital fraud prevention across Citi. This team partners closely with Fraud Policy, Fraud Requirements, Fraud Analytics, Technology, and Identity teams to design and validate authentication frameworks that reduce fraud losses, optimize customer access, and scale operational response. The team plays a critical role in shaping authentication rule design, supporting innovation in digital access controls, and leading enterprise collaboration on threat mitigation strategies related to authentication-based fraud.

Responsibilities

• Serve as the primary architecture and design SME for multi-factor authentication (MFA) within the digital fraud prevention domain, ensuring alignment with Citi’s risk appetite and authentication strategies.
• Partner with Fraud Policy, Fraud Requirements, and Fraud Analytics teams to develop and maintain settings that support risk-based authentication, reduce fraud losses, and minimize customer impact.
• Analyze fraud patterns across digital channels, contribute to investigation and response strategies, and ensure rule design adapts to emerging fraud threats.
• Act as technical subject matter expert for authentication journeys, supporting stakeholders across Fraud Operations, Technology, and Business teams in understanding orchestration flows, decision outcomes, and data attributes influencing risk decisions.
• Oversee the design and post-implementation validation of MFA rule changes, ensuring changes meet fraud interdiction goals while avoiding unintended impacts to customer access or operational volumes. Stated goals.
• Lead enhancements in fraud detection and error monitoring dashboards, with a focus on automating API health monitoring and surfacing real-time actionable alerts for investigation and resolution.
• Support strategic fraud prevention initiatives by advising on technical feasibility, coordinating with business/CISO/tech partners, and ensuring consistent policy execution across platforms.
• Champion cross-team collaboration and knowledge sharing by developing backups, facilitating structured training on MFA architecture, and mentoring team members on fraud risk frameworks and investigation support.
• Maintain situational awareness of authentication-related fraud trends and provide insights in governance forums to guide mitigation planning and control recommendations.
• Continuously assess process efficiencies and advocate for automation in authentication monitoring, rule validation, and fraud reporting to improve response accuracy and operational reduce overhead.

Qualifications

This role requires strong collaboration with business, risk, and technology partners to support both project-specific and broader strategic needs. The ideal candidate will be responsible for defining business requirements, developing and presenting mitigation strategies to senior leadership, and contributing to authentication design and fraud risk architecture and design. Excellent communication, interpersonal, and problem-solving skills are essential.

• 6+ year experience in fraud risk, digital platforms, programming or related domain, preferred
• Proven expertise in digital platforms, including mobile/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.
• Excellent analytical skills, with the ability to interpret complex data and drive actionable outcomes.
• Self-starter with the ability to work independently, influence stakeholders, and drive initiatives across cross-functional teams
• Demonstrated experience in Agile delivery and project management methodologies

Education:

• Bachelor’s/University degree, Masters degree preferred

#LI-BS1

• Experience with C, C++, Java strongly preferred
• Experience with SQL, Data Warehousing, Tableau preferred

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Job Family Group:

Risk Management------------------------------------------------------

Job Family:

Operational Risk------------------------------------------------------

Time Type:

Full time------------------------------------------------------

Primary Location:

Jacksonville Florida United States------------------------------------------------------

Primary Location Full Time Salary Range:

$103,920.00 - $155,880.00
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, Controls Lifecycle, Credible Challenge, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.------------------------------------------------------

Other Relevant Skills

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

Anticipated Posting Close Date:

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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.

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