Head of AML, Services

This role requires a strategic, execution-focused leader who demonstrates Citi’s Leadership Principles through strong risk stewardship, influential partnership, and the ability to deliver sustainable AML outcomes in complex, global environments.

Responsibilities

• Lead and develop a global team of AML professionals, driving performance, accountability, and continuous talent development

• Own and implement the firm-wide AML Risk Management framework, including policy, strategy, and the ongoing delivery of the AML Compliance Risk Management (ACRM) program across clients, products, and geographies

• Lead, coach, and develop a global team of AML professionals, fostering a culture of accountability, inclusion, and continuous development

• Build leadership capability across the organization, ensuring strong succession pipelines and depth of expertise

• Drive high performance standards, reinforcing ownership and accountability for risk and control outcome

• Act as a senior AML risk manager and thought leader, delivering risk-based, cost-effective outcomes across multi-year strategic and control initiatives

• Shape forward-looking AML strategies, policies, and training programs, anticipating and responding to evolving financial crime risks across emerging technologies, new products, and changing regulatory landscapes

• Provide comprehensive AML oversight for payments, digital assets, and emerging technologies (including blockchain, stablecoins, deposit tokens, and multi-jurisdiction payment flows), ensuring risks are effectively identified, assessed, and mitigated

• Lead the development and implementation of robust AML controls for high-volume, complex, cross-border, multi-currency and 24/7 transaction environments, including strong enhanced due diligence (EDD) and monitoring frameworks for higher-risk products, clients, and activities

• Proactively identify, assess, and mitigate AML risks associated with new Services product offerings, interoperability initiatives, and the integration of emerging technologies into existing payment and liquidity management platforms, ensuring compliance with evolving regulatory landscapes

• Provide expert guidance and credible challenge on AML implications arising from BaaS product and service offerings, particularly related to infrastructure integration within client business models for fiat and digital asset transactions

• Provide expert AML guidance and credible challenge on business initiatives, including new product development, client engagements, acquisitions, and BaaS-related activities

• Translate AML requirements into practical business solutions, structuring and driving resolution of complex issues in partnership with senior stakeholders

• Maintain strong engagement with the business, ensuring initiatives are executed within regulatory expectations, with clear communication of risks and controls internally and externally

• Demonstrate deep knowledge of Services products and articulate AML implications clearly to senior stakeholders and regulators

• Promote pragmatic, scalable solutions that balance effective risk management with client experience and business growth, ensuring alignment with regulatory expectations

• Lead engagement with regulators and internal audit on AML matters, including examinations, reviews, and issue remediation

• Serve as a subject matter expert in regulatory interactions related to digital assets and payments innovation

• Oversee and coordinate internal assurance activities, including risk assessments, self-assessments, internal audit, and compliance testing

• Ensure sound risk management practices are embedded in all business decisions, safeguarding Citi’s reputation and ensuring compliance with applicable laws, regulations, and policies

• Drive a culture of accountability, effective supervision, and transparent escalation and management of control issues

Qualifications:

• 15+ years of relevant experience

• 10+ years of managerial experience

• Prior knowledge of payment related products and infrastructure is a must, the candidate will need to show deep knowledge of Foreign Correspondent banking, eCommerce, Trade finance, Custody, Digital Assets and 3rd party Cross border payments generally

• Advanced degree (e.g. JD, MBA) or AML certification

• Experience in a financial institution, specifically in AML

• Experience in managing regulatory exams and relationships with examiners and auditors

• Extensive knowledge of appropriate regulatory requirements including local and US laws, international and industry standards

• Extensive knowledge of AML regulations, risks, and appropriate controls

• Demonstrated leadership and motivational skills

• Ability to work with regional and global partners, and influence and lead people across culture and senior level

Education:

• Bachelor’s degree/University degree or equivalent experience

• Master’s degree preferred