Senior MFA Fraud Architect — Digital Security Leader

Citi; New York (NY); Hybrid; USD 104,000 - 156,000; Full time

Job summary

Citi is seeking a Digital Authentication Fraud Architect to lead MFA architecture and design within the digital fraud prevention domain. You will partner with risk, technology, and business teams to design authentication frameworks that reduce fraud losses and optimize customer access.

You will analyze fraud patterns across digital channels, supervise MFA rule changes, and mentor team members on fraud risk frameworks while driving automation and governance across platforms.

Qualifications

• 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.

Responsibilities

• Serve as the primary architecture and design SME for multi-factor authentication within the digital fraud prevention domain.
• Partner with Fraud Policy, Fraud Requirements, and Fraud Analytics teams to support risk-based authentication and reduce fraud losses.
• Analyze fraud patterns across digital channels and adapt rule design to emerging threats.
• Explain MFA journeys to stakeholders across Fraud Operations, Technology, and Business teams.
• Oversee MFA rule changes and post-implementation validation to balance fraud interdiction with customer access.
• Lead enhancements in fraud detection and dashboards, automating API health monitoring and alerts.
• Advise on technical feasibility for strategic fraud prevention initiatives with cross-team coordination.
• Mentor team members on fraud risk frameworks and investigation support.

Skills

Analytical Thinking

Controls Lifecycle

Credible Challenge

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Education

Bachelor’s degree

Masters degree preferred

Tools

C

C++

Java

SQL

Data Warehousing

Tableau

Job description

Citi is seeking a Digital Authentication Fraud Architect to lead MFA architecture and design within the digital fraud prevention domain. You will partner with risk, technology, and business teams to design authentication frameworks that reduce fraud losses and optimize customer access.

You will analyze fraud patterns across digital channels, supervise MFA rule changes, and mentor team members on fraud risk frameworks while driving automation and governance across platforms.