Fraud Operations Specialist

Citi; Chennai; On-site; INR 350,000 - 550,000; Full time

Job summary

Citi seeks an entry level Fraud Ops Specialist in Chennai to perform risk assessments on account activity and deliver strong customer service. The role involves investigating fraud, handling complex client requests, and driving process improvements while adhering to policy and regulatory standards.

Candidates should have a bachelor’s degree and willingness to work in rotational shifts, with a focus on accuracy and clear communication in a fast-paced banking operations environment.

Qualifications

• 2-4 years relevant experience in fraud or related fields.
• Knowledge and previous experience in the Fraud Investigation and Fraud claims process.
• Extensive knowledge of the Bank's Operations and transaction Processing platforms.
• Ability to process both inbound and outbound client calls.
• High attention to detail with the ability to interpret data and organize information.
• Clear and concise written and verbal communication.
• Remain unbiased in a diverse working environment.
• Willing to work in Rotational Shifts.

Responsibilities

• Perform complex fraud investigations with minimal supervision.
• Respond to complex customer requests that may not be covered by established procedures.
• Identify potential fraud by assessing prior experiences and evaluating options.
• Resolve highly complex issues directly with client or third parties.
• Drive process improvements to remove friction points for the team.
• Monitor workflow, quality, and recommend productivity enhancements.
• Assess risk in business decisions, safeguarding Citi’s reputation and assets.
• Apply judgement and coordinate to ensure quality, timelines, and outcomes.

Skills

Fraud investigations

Fraud claims

Attention to detail

Communication

Rotational shifts

Client calls

Operations knowledge

Banking operations

Education

Bachelor’s degree

Job description

The Fraud Ops Specialist is an entry level position responsible for completing thorough risk assessments when reviewing account activity while also delivering exceptional customer service to our clients. Early fraud detection is critical in minimizing financial impact as well as protecting our client’s account and identity.

Responsibilities

• Perform complex fraud investigations with minimal supervision


• Respond to complex customer requests that may not be covered by established procedures


• Identify potential fraud, by assessing the validity and applicability of previous/similar experiences and evaluating options in unique situations


• Resolve highly complex issues directly with client, or third parties


• Drive organizational change through innovation and process improvement, eliminating friction points for team


• Monitor process workflow, quality, and recommend new options to enhance productivity as required


• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets, by adhering to Policy, rules and regulations, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting issues with transparency.


• Applies judgement and decision-making in day-to-day work with limited supervision, including evaluating situations, resolving issues, and identifying appropriate courses of action based on experience and established guidelines. Will contribute to delivery of work by ensuring quality, timelines, and outcomes, and will influence execution through coordination, follow-ups, and guidance as required. In addition, may review outputs, provide direction where need, and address gaps to ensure work is completed to expected standards, while taking ownership of decisions and deliverables within defined scope.


• Ensuring effective execution of administrative activities within the function by driving consistency, quality, and timeliness of outputs. Apply judgement in interpreting requirements and addressing non‑routine situations, taking appropriate action within scope or escalating where required. Will contribute to the smooth functioning of the business area by responding to evolving priorities, supporting implementation of processes, and ensuring reliable and efficient delivery aligned to operational expectations.


• Applying domain expertise and advanced analytical capability to deliver outputs aligned with established standards and professional benchmarks. Will evaluate business requirements by analyzing complex issues, forming well‑reasoned views, and recommending practical, implementable solutions. Apply structured thinking, analytical rigor, and creativity in approaching work, particularly in situations where standard methodologies may require refinement. Will exercise sound professional judgement in interpreting requirements and determining appropriate courses of action, taking into account the broader business context and potential implications.

Qualifications

• 2-4 years relevant experience


• Knowledge and previous experience in the Fraud Investigation and Fraud claims process


• Extensive knowledge of the Bank's Operations and transaction Processing platforms


• Ability to process both inbound and outbound client calls


• High attention to detail with the ability to interpret data and organize information


• Consistently demonstrates clear and concise written and verbal communication


• Demonstrated ability to remain unbiased in a diverse working environment


• Willing to work in Rotational Shifts

Education

• Bachelor’s degree

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Job Family Group

Operations - Services

Job Family

Fraud Operations

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

Fraud Detection, Fraud Disputes, Fraud Investigations, Fraud Operations, Fraud Prevention.

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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