The 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 Response
Express Mail (Exela, Deluxe)
Agent Assisted / Phone
Branch Teller & ATM (Cash, Check and Internal Transfer)
In-Store Payments (CRS)
Text to Pay (CRS)
Wire Payments
In 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.
Qualifications:
The 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.
Education:
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Job Family Group:
Product Management and Development------------------------------------------------------
Job Family:
Product Management------------------------------------------------------
Time Type:
Full time------------------------------------------------------
Primary Location:
615 S COLLEGE STREET------------------------------------------------------
Primary Location Full Time Salary Range:
$170,000.00 - $300,000.00
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
Please see the requirements listed above.------------------------------------------------------
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------
Anticipated Posting Close Date:
Nov 12, 2025------------------------------------------------------
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