About This Role
Identifying, analyzing, and escalating rewards abuse, gamification-driven manipulation, and emergent threats across Citi’s credit card, checking, and broader rewards ecosystem is the core of this role within the Fraud Fusion Center (FFC). This position suits an intellectually curious, proactive, and fast-learning candidate who can synthesize intelligence from many inputs to identify risks early.
Responsibilities
- Monitor and synthesize internal and external intelligence to identify emerging rewards-abuse schemes, including promotional abuse, manufactured-spend analogs, account linkage manipulation, referral or bonus gaming, and adversarial earn-and-burn strategies
- Conduct qualitative and quantitative analysis to evaluate risk indicators, summarize patterns, and identify trends affecting Citi’s rewards ecosystem
- Assess at-risk accounts and behaviors, identify signals of potential abuse, and document findings clearly for internal partners
- Serve as a liaison between the FFC and industry working groups, gathering insights on new reward-abuse tactics and mitigation approaches
- Participate in external fraud/loyalty-abuse roundtables and information-sharing forums; bring intelligence back into Citi for action
- Work closely with Fraud Policy & Strategy, Product Teams, Data Analytics partners, AML, Citi Security & Investigative Services, and other internal stakeholders to share emerging intelligence, coordinate assessments, drive awareness of new threats, and support timely mitigation steps
- Assist with documenting processes, investigative flows, and escalation pathways for rewards-abuse incidents
- Maintain detailed investigative notes, intelligence summaries, and analytical artifacts within case-management systems
- Support development of playbooks, best practices and process improvements relevant to rewards abuse detection
- Ensure that investigative and analytic processes follow Citi standards and support the Fraud Fusion Center’s operational model
- Balance day-to-day investigations with longer-term research initiatives
- Prioritize assignments based on criticality, emerging risk and organizational needs
- Escalate urgent issues when needed and assist with crisis-response workflows
Requirements
- 2–5 years of relevant experience in one or more of the following: Rewards abuse investigation, Loyalty or credit-card rewards operations with exposure to abuse cases, Fraud investigations in card or retail banking, Financial crime analysis or intelligence roles, Experience identifying or analyzing manufactured spend (MS) or MS-adjacent flows
- Experience engaging with, monitoring, or researching forums, online communities, blogs, or groups where reward optimization, MS, arbitrage, and abuse tactics are actively discussed
- Strong analytical ability to identify subtle indicators and emerging patterns across qualitative or semi-structured inputs
