Senior Business Analyst - Fraud Risk Technology
$114.7k - $172.1k+ Incentive awards + Retention awards
Senior
Bachelor's, Master's
Jacksonville, FL, USA+1 moreMore locations: Irving, TX, USA
Hybrid
Business & StrategyBusiness Analysis
About the job
Requirements
- A Bachelor's or Master's degree in Computer Science, Management Information Systems, Finance, Business Analytics, or a related discipline/experience.
- Six or more years of progressive experience as an IT Business Analyst, Systems Analyst, or Technical Product Owner, including at least two to three years dedicated to fraud detection, Anti-Money Laundering, or payment risk in financial services or FinTech environments.
- Deep expertise in Agile frameworks (Scrum, Kanban, and SAFe), hybrid delivery models, and the end-to-end Software Development Life Cycle.
- Practical experience with market-leading fraud detection and decisioning engines.
- Proficiency in Jira, Confluence, diagramming tools such as Microsoft Visio and Enterprise Architect, and API testing/inspection utilities such as Postman and Swagger.
Responsibilities
- Leverage enterprise collaboration intelligence and AI-assisted elicitation tools to structure stakeholder workshops, extract business rules from discussions, and resolve requirement ambiguities and edge-case exceptions with Subject Matter Experts.
- Elicit, analyze, and document comprehensive functional and non-functional requirements, producing Business Requirement Documents, Functional Requirement Documents, and technical specifications.
- Use advanced analytical tools for requirement pattern discovery and dependency mapping across distributed systems.
- Design and maintain process artifacts—including use case models, activity diagrams, sequence diagrams, system context diagrams, and Business Process Model and Notation 2.0 workflows—covering standard operating paths, fraud-positive scenarios, false-positive handling, timeouts, vendor outages, and dual-control approvals.
- Define detailed technical and integration requirements for in-house detection engines, third-party vendor platforms, and core payment rails, including Card Authorization, Automated Clearing House, Wire, and Real-Time Payments.
- Decompose business initiatives into Jira Epics and INVEST-compliant User Stories with testable Gherkin syntax (Given-When-Then) acceptance criteria across diverse personas.
- Establish and maintain an end-to-end Requirements Traceability Matrix linking regulatory and policy mandates to BRDs, FRDs, user stories, test cases, and compliance audit evidence.
- Facilitate backlog grooming and sprint planning in Jira, ensuring user stories meet the Definition of Ready and align with engineering sprint capacity.
- Translate evolving fraud typologies—including Account Takeover, Authorized Push Payment fraud, Synthetic Identity Theft, and mule account networks—into functional and technical specifications for machine learning models and real-time rule engines.
- Perform impact assessments and root-cause analyses on fraud policy and rule updates, balancing fraud capture rate optimization against customer friction and False Positive Rates.
- Serve as the core technical liaison across core banking engines, fraud decisioning platforms, case management workflows, and identity verification and biometric APIs.
- Define data mapping specifications, schema definitions (JSON/XML), and API payloads for real-time transaction screening, event streaming (such as Kafka), and batch monitoring.
- Formulate and execute User Acceptance Testing strategies, detailed test scripts, and defect triage workflows to validate fraud detection efficacy and system reliability before production releases.
Desired Qualifications
- Certified Business Analysis Professional (CBAP).
- PMI Professional in Business Analysis (PMI-PBA).
- Certified Scrum Product Owner (CSPO) or Professional Scrum Product Owner (PSPO).
About the company
Citi runs banking, investment and payment services for companies, governments and individuals around the world. Its global network connects institutions with local banking systems, while its US consumer business sells credit cards and deposit accounts. Corporate clients use Citi to manage cash, finance trade and raise capital, and investors use its trading, custody and wealth services to hold and manage assets. The bank earns interest on loans and fees from payments, securities transactions, financial advice and account services. Citi traces its banking roots to 1812; the Citigroup holding company was formed in 1998, and its headquarters are in New York City.
Company Size
10,001+
Company Stage
IPO
Headquarters
New York City, New York
Founded
1812
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Simplify's Take
What believers are saying
- Revenue is expanding: Citi reported $24.8 billion in the June 2026 quarter, up 14% year over year.
- US parents get protected time: eligible Citi employees receive 16 weeks of bonding leave at full base pay.
- Institutional deposits are sticky: Citi says around 80% of Services deposits come from clients with relationships exceeding 15 years.
What critics are saying
- Lending losses remain substantial: Citi's net credit losses reached $2.4 billion in the June 2026 quarter.
- Australian hybrid roles require office time: Citi sets a minimum of three office days weekly for designated hybrid positions.
- Job cuts carry a cost: Citi booked roughly $500 million in severance in the March 2026 quarter.
What makes Citi unique
- Corporate payments move at scale: Citi processes around $6 trillion daily through its Treasury and Trade business.
- Deposits move beyond banking hours: Citi Token Services transfers cash between participating Citi branches around the clock.
- Employees use a shared AI workspace: Citi's Stylus platform reaches over 180,000 people for research and multi-step workflows.
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Benefits
- Health Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Disability Insurance
- 401(k) Retirement Plan
- 401(k) Company Match
- Wellness Program
- Paid Vacation
- Paid Sick Leave
- Paid Holidays