Fraud Ops Senior Analyst

Citi; Kuala Lumpur; On-site; MYR 60,000 - 90,000; Full time

Job summary

Citi Private Bank is seeking a Fraud Operations Analyst 2 to review alerts, investigate unusual activity, and engage with clients to validate transactions and mitigate risk. The role requires strong analytical prowess, risk judgment, and a commitment to best-in-class client service.

You will work in a 24/7 APAC/EMEA shift environment, coordinating with Fraud Strategy, Operations, Risk, Compliance, and business partners to ensure secure banking for Citi Private Bank clients.

Qualifications

• Bachelor’s degree required in Banking, Finance, Business, Risk Management, or related field.
• 2–4 years in fraud operations, banking operations, financial services or related.
• Strong analytical and problem-solving skills required.
• Ability to engage with high-value clients professionally and confidently.

Responsibilities

• Monitor fraud detection systems to identify suspicious transactions.
• Investigate fraud alerts across multiple banking and payment channels.
• Conduct outbound calls to verify transactions and activity with clients.
• Manage fraud-related customer complaints ensuring high client satisfaction.
• Analyze account behaviors to assess fraud risk and make risk-based decisions.
• Escalate high-risk cases and document investigations accurately.
• Identify emerging fraud trends and collaborate with relevant teams.

Skills

Fraud investigations

Financial crime knowledge

Client communication

Analytical thinking

Multilingual: English, Mandarin, and-C

Education

Bachelor’s degree in Banking, Finance, Business, Risk Management, or related field

Tools

Fraud monitoring systems

Job description

About Citi Private Bank

Citi Private Bank serves some of the world's most sophisticated clients, including ultra-high-net-worth individuals, entrepreneurs, executives, and family offices. Through our global footprint and decades of expertise, we deliver personalized wealth management, banking, lending, and investment solutions that help our clients achieve their financial objectives.

About Citi Private Bank

Citi Private Bank serves some of the world's most sophisticated clients, including ultra-high-net-worth individuals, entrepreneurs, executives, and family offices. Through our global footprint and decades of expertise, we deliver personalized wealth management, banking, lending, and investment solutions that help our clients achieve their financial objectives.

Position Summary

The Fraud Operations Analyst 2 is responsible for reviewing fraud alerts, investigating unusual account activity, and engaging directly with Citi Private Bank clients to validate transactions and mitigate fraud risk. The successful candidate will demonstrate strong analytical capabilities, sound risk judgment, and a commitment to providing best-in-class client service.

Responsibilities

• Monitor fraud detection systems to identify potentially suspicious transactions and activities.
• Investigate fraud alerts across multiple banking and payment channels.
• Conduct outbound calls to Citi Private Bank clients to authenticate transactions and verify account activity.
• Take ownership of the structured management and resolution of fraud-related customer complaints, ensuring a high level of client satisfaction.
• Analyze account behaviors and transactional patterns to assess fraud risk.
• Make risk-based decisions in accordance with established fraud policies and procedures.
• Escalate complex or high-risk cases appropriately.
• Document investigations and case actions accurately and comprehensively.
• Identify emerging fraud trends and recommend control enhancements.
• Collaborate with Fraud Strategy, Operations, Risk, Compliance, and business partners.
• Support business continuity and operational readiness within a 24/7 operating environment.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Languages: Proficiency in English, Mandarin and Cantonese is required

Qualifications

• Bachelor’s degree in Banking, Finance, Business, Risk Management, or a related field.
• Minimum of 2 to 4 years of experience in fraud operations, banking operations, financial services, investigations, or related disciplines.
• Strong analytical and problem-solving skills.
• Ability to confidently engage with high-value clients and manage sensitive conversations professionally.
• Demonstrated ability to make sound decisions under pressure.
• Amenable to working on an APAC/EMEA shift and open to a 24/7 shift environment, including weekends and public holidays.
• Experience in transaction monitoring, fraud investigations, or fraud prevention.
• Knowledge of payment fraud, account takeover fraud, wire fraud, digital banking fraud, or financial crime risks.
• Experience servicing affluent, wealth management, or private banking clients.

Job Family Group

Operations - Services

Job Family

Fraud Operations

Time Type

Full time

Most Relevant Skills

Please see the requirements listed above.

Other Relevant Skills

AML Monitoring, AML Monitoring, Anti-Money Laundering (AML), Anti-Money Laundering (AML) Policy, Bank Fraud, Consumer Fraud, Corporate Fraud, Counter Fraud, Due Diligence, Fraud Analysis, Fraud Analytics, Fraud Auditing, Fraud Awareness, Fraud Controls, Fraud Detection, Fraud Disputes, Fraud Examinations, Fraud Investigations, Fraud Management, Fraud Mitigation, Fraud Modeling, Fraud Monitoring, Fraud Operations, Fraud Prevention, Fraud Protection {+ 4 more}.

Equal Opportunity Statement

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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