Citi is looking for a Network Interchange & Fraud Performance Manager to lead the analysis, optimization, and strategic development of interchange economics and fraud management across its credit card portfolios. In this senior role, you will partner with Product, Risk, Finance, Operations, and Technology teams to drive revenue growth, manage fraud losses, and strengthen payment network performance. Your analytical findings and strategic recommendations will directly influence profitability decisions and shape how Citi engages with its key payment network partners.
Responsibilities
- Analyze interchange revenue, expense, and profitability across consumer and business card portfolios to identify and capture optimization opportunities.
- Monitor payment network performance and develop actionable strategies to improve interchange outcomes across Citi's credit card products.
- Evaluate the financial impact of network rule changes, pricing updates, and regulatory developments to inform business strategy.
- Build and maintain dashboards and recurring reports covering interchange economics, network fees, fraud metrics, and overall portfolio performance.
- Analyze fraud trends across card-present, card-not-present, account takeover, first-party fraud, and emerging typologies to support effective risk mitigation.
- Partner with Fraud Strategy teams to assess authorization performance, evaluate fraud controls, and reduce customer friction without increasing fraud exposure.
- Collaborate with Visa, Mastercard, and other payment network partners on performance reviews and strategic initiatives that advance Citi's network goals.
- Present analytical findings and recommendations to senior business leaders in a clear, concise, and decision-ready format.
Required Qualifications & Skills
- 10 or more years of experience in payment networks, interchange analytics, or related financial services roles.
- Deep expertise working with payment networks such as Visa and Mastercard, including transaction-level data flows and network rails.
- Demonstrated ability to optimize interchange outcomes, with a working knowledge of interchange analytics, pricing structures, and the broader transaction-level ecosystem.
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- Proven capability in fraud loss reduction, fraud strategy management, and the application of network fraud tools.
- Strong analytical and problem-solving skills, with the ability to translate complex transaction-level data into clear business recommendations.
- Ability to manage shifting priorities, meet deadlines, and operate effectively with a high degree of autonomy.
- Clear and concise written and verbal communication skills, with the ability to present findings to both technical and non-technical audiences.
Beneficial Skills & Qualifications
- Master's degree in a relevant discipline such as Finance, Economics, Business, or a related field.
- Experience supporting business cases for new payment products, network initiatives, or fraud mitigation investments.
- Familiarity with credit card acquisitions and the end-to-end consumer and business card product landscape.
What We Offer
At Citi, senior professionals are given the strategic ownership, tools, and cross-functional reach to make a measurable impact. This role offers the opportunity to work at the intersection of payment networks, fraud strategy, and financial performance — influencing decisions that matter at scale within one of the world's leading financial institutions.
- Hybrid working model with 3 days in the office and 2 days working remotely, providing flexibility alongside meaningful team collaboration.
- Direct access to senior leadership and cross-functional partners across Product, Risk, Finance, Operations, and Technology, giving you real influence over business outcomes.
- Strategic engagement with major global payment networks, including Visa and Mastercard, as a key external relationship.
- Competitive compensation and a comprehensive financial wellbeing package reflective of the seniority and impact of this role.
- Ongoing professional development opportunities to deepen expertise in payment network strategy, fraud management, and financial analytics.
- Wellbeing and work-life balance support through Citi's broader employee benefits programme.
Apply now to take ownership of interchange strategy and fraud performance at a global scale with Citi.
DO NOT REMOVE|ec1c07e525b6ae211951910a78508b216cef005f9c01f8e3a9d725b4ac0b2e44
Full time ------------------------------------------------------
Primary Location:
New York New York United States ------------------------------------------------------
Primary Location Full Time Salary Range:
$163,600.00 - $245,400.00
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.
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.
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.
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