Digital Authentication Fraud Architect

Citigroup Inc.; Jacksonville (FL); On-site; USD 104,000 - 156,000; Full time

Job summary

Citigroup Inc. in Jacksonville, FL is seeking a senior architect for multi-factor authentication within the digital fraud prevention domain.

You will design, validate, and refine authentication frameworks that reduce fraud losses while preserving customer access and scalability. You will partner with Fraud Policy, Requirements and Analytics teams to implement risk-based settings, monitor API health, and lead migrations of MFA rules.

Qualifications

• 6+ years in fraud risk, digital platforms, programming or related domain.
• Experience with API-based authentication, device and behavioral intelligence.
• Familiarity with device fingerprinting, orchestration layers, and customer authentication.
• Excellent analytical skills to interpret data and drive actions.
• Agile delivery and project management experience.

Responsibilities

• Serve as MFA architecture SME for the digital fraud prevention domain.
• Partner with Fraud Policy, Requirements, and Analytics to support risk-based authentication settings.
• Analyze fraud patterns and adapt MFA rules to emerging threats.
• Explain authentication journeys to stakeholders and data attributes influencing risk decisions.
• Oversee MFA rule changes and post-implementation validation.
• Lead enhancements in fraud detection dashboards and API health monitoring.
• Promote cross-team collaboration and knowledge sharing on MFA architecture.

Skills

Analytical Thinking

Governance

Policy

Risk Management

Controls Lifecycle

Education

Bachelor’s degree

Masters preferred

Tools

C/C++

Java

SQL

Data Warehousing

Tableau

Job description

Overview

The digital multi-factor authentication (MFA) architecture & design team is responsible for authentication strategies that support digital fraud prevention across Citi. This team partners closely with Fraud Policy, Fraud Requirements, Fraud Analytics, Technology, and Identity teams to design and validate authentication frameworks that reduce fraud losses, optimize customer access, and scale operational response. The team plays a critical role in shaping authentication rule design, supporting innovation in digital access controls, and leading enterprise collaboration on threat mitigation strategies related to authentication-based fraud.

Responsibilities

• Serve as the primary architecture and design SME for multi-factor authentication (MFA) within the digital fraud prevention domain, ensuring alignment with Citi’s risk appetite and authentication strategies.
• Partner with Fraud Policy, Fraud Requirements, and Fraud Analytics teams to develop and maintain settings that support risk-based authentication, reduce fraud losses, and minimize customer impact.
• Analyze fraud patterns across digital channels, contribute to investigation and response strategies, and ensure rule design adapts to emerging fraud threats.
• Act as technical subject matter expert for authentication journeys, supporting stakeholders across Fraud Operations, Technology, and Business teams in understanding orchestration flows, decision outcomes, and data attributes influencing risk decisions.
• Oversee the design and post-implementation validation of MFA rule changes, ensuring changes meet fraud interdiction goals while avoiding unintended impacts to customer access or operational volumes. Stated goals.
• Lead enhancements in fraud detection and error monitoring dashboards, with a focus on automating API health monitoring and surfacing real-time actionable alerts for investigation and resolution.
• Support strategic fraud prevention initiatives by advising on technical feasibility, coordinating with business/CISO/tech partners, and ensuring consistent policy execution across platforms.
• Champion cross-team collaboration and knowledge sharing by developing backups, facilitating structured training on MFA architecture, and mentoring team members on fraud risk frameworks and investigation support.
• Maintain situational awareness of authentication-related fraud trends and provide insights in governance forums to guide mitigation planning and control recommendations.
• Continuously assess process efficiencies and advocate for automation in authentication monitoring, rule validation, and fraud reporting to improve response accuracy and operational reduce overhead.

Qualifications

This role requires strong collaboration with business, risk, and technology partners to support both project-specific and broader strategic needs. The ideal candidate will be responsible for defining business requirements, developing and presenting mitigation strategies to senior leadership, and contributing to authentication design and fraud risk architecture and design. Excellent communication, interpersonal, and problem-solving skills are essential.

• 6+ year experience in fraud risk, digital platforms, programming or related domain, preferred
• Proven expertise in digital platforms, including mobile/online platforms, API-based authentication, device and behavioral intelligence, and risk-based multifactor strategies
• Familiarity with device fingerprinting, orchestration layers, and customer authentication along with programming exposure.
• Excellent analytical skills, with the ability to interpret complex data and drive actionable outcomes.
• Self-starter with the ability to work independently, influence stakeholders, and drive initiatives across cross-functional teams
• Demonstrated experience in Agile delivery and project management methodologies

Education:

• Bachelor’s/University degree, Masters degree preferred

#LI-BS1

• Experience with C, C++, Java strongly preferred
• Experience with SQL, Data Warehousing, Tableau preferred

Job Family Group:

Risk Management

Job Family:

Operational Risk

Time Type:

Full time

Primary Location:

Jacksonville Florida United States

Primary Location Full Time Salary Range:

$103,920.00 - $155,880.00 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.

Most Relevant Skills

Analytical Thinking, Controls Lifecycle, Credible Challenge, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

Automated Processing and AI

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.

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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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