Job Description

This role requires a pragmatic, proactive attorney with thorough understanding of the Business, combined with a solid conceptual / practical grounding in the laws and regulations for the geographies in which we operate. Provides input into strategic decisions, exercising sound legal judgement to develop proactive, risk-appropriate, and commercially practical business-oriented solutions. This individual will be a key legal advisor to business stakeholders and functional partners by providing legal advice, counsel and thoughtful leadership on all aspects involving the US Retail Bank deposit services throughout their lifecycle. The role requires an attorney with experience with consumer financial protection laws with a strong preference for experience with the Electronic Funds Transfer Act, expedited Funds Availability Act, and related regulations. This role also requires an attorney with strong experience with fraud and security matters. Responsibilities:Responsible for providing legal counsel to the Business, participating in strategic initiatives, providing subject matter expertise and interpretations of relevant laws, rules, regulations, and industry practices, and advising business management on legal matters impacting the businessPartners with legal peers to objectively evaluate business proposals by applying institutional knowledge and risk appetite against industry standards, widely accepted business practices, laws, rules, and regulatory guidelines, escalating as appropriateCollaborates across internal lines of business, control/support functions and/or external counsel to achieve coordinated and efficient outcomes on matters of common interest; coordinate closely with the Legal team on a regional and global basisParticipates in retail banking/deposits planning and development initiatives; contributes to business objectives by providing thought leadership using knowledge of industry, laws, and regulationsProactively identifies, evaluates, and contributes to the appropriate management of legal, regulatory, and reputational risk by collaborating with ICRM & Risk, following relevant legal developments, participating in internal projects, escalating as appropriateManages day-to-day legal activities as a subject matter expert in area of responsibility and provide advisory services to business partnersMonitors management of complex legal issues and transactions, escalating when necessaryAppropriately 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards