Head of Incoming Payments

Head Of Incoming Payments - Branded Cards & Lending & Citi Retail ServicesWorking at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.Job OverviewThe head of incoming payments for branded cards & lending and citi retail services plays a crucial role for uspb, by overseeing more than ~900 million payments received annually through multiple channels (and payments rails) from our client base of more than 70 million accounts. The head of incoming payments for bc&l and crs will lead a team of product managers responsible for developing and implementing intuitive/convenient mechanisms for clients to pay their credit cards bills. This involves understanding the evolving payments landscape and developing proactive strategies for incoming payments, including:Launching new channels/rails & managing new initiatives by providing oversight of requirements and use case development to ensure consistent customer experience and adherence to regulations and policies (including cross group projects that impact payments).The potential rationalization of existing channels/rails &Redesigning payments flows for improved/consistent customer experience and risk reduction.Responsibilities include certain in-business risk management activities related to incoming payments, including supporting an effective managers control assessment program (playing a key role in the identification & assessment of both inherent risks and controls) ultimately ensuring that individual customer payments are posted correctly and timely within compliance with reg z 1026.10. To achieve this goal, the scope also includes developing the inventory of the existing incoming payments channels/processes, aiming to enhancing the control environment through process/controls documentation and monitoring (establishing an incoming payments dashboard) of a multiplicity channels (for which the role will take ownership), including:Citi mobile app (internal transfer + ach)Citibank online (internal transfer + ach)Third party bill payments (fiserv, mastercard's rpps, western union & moneygram)Interactive voice responseExpress mail (exela, deluxe)Agent assisted / phoneBranch teller & atm (cash, check and internal transfer)In-store payments (crs)Text to pay (crs)Wire paymentsIn addition, the role will be expected to:Interpret payment regulations and citi policies, overseeing their implementation and driving new initiatives to ensure compliance.Oversee/manage all customer-facing disclosures and communications related to incoming payments.Front both internal (e.g.: internal audits, compliance business monitoring, etc.) and external (e.g.: regulatory exams / focus reviews) reviews.QualificationsThe ideal candidate will have 15+ years of experience in financial services, with a proven track record in strategy execution, external industry engagement, and managing high-performing product teams.Candidate should possess strong business judgment, analytical skills, a consumer-centric mindset, and excellent communication skills. A deep understanding of credit cards and a passion for emerging technologies are also essential.Strong risk and control acumen and process management experience is also needed.The position requires experience in defining product roadmaps, collaborating with design, operations and technology, and successfully launching products, channels and processes at scale.EducationBachelor's degree/university degree or equivalent experienceMaster's degree preferred