The Senior Lead Counsel I is responsible for serving as strategic business partner and subject matter expert by providing legal counsel to the Citi Retail Services business, which operates private label and co-branded credit card programs and offers digital lending solutions for retailers across the U.S. Responsibilities may also include supporting credit card related projects from time to time for the Branded Cards and Cards Operations teams.

This role requires an understanding of the Citi Retail Services business, combined with extensive knowledge of U.S. laws and regulations applicable to the credit card industry. This attorney will exercise sound legal judgment to develop proactive, risk-appropriate and commercially practical business-oriented solutions.

Responsibilities:

• Responsible for providing legal counsel to the Citi Retail Services business, supporting strategic retail partner initiatives for private label and co-branded credit cards, providing subject matter expertise and interpretations of relevant laws, rules, regulations, and industry practices, and advising management on all manner of legal matters and risks impacting the business

• Provides advisory services in respect of business decisions by applying institutional knowledge against credit card industry standards, widely accepted business practices, laws, rules, and regulatory guidelines, escalating where appropriate

• Collaborates across internal lines of business and control/support functions to achieve coordinated and efficient outcomes on matters of common interest; coordinates closely with the other consumer Legal teams

• Serves as business partner and advisor to business stakeholders and functional partners (e.g., Risk, Finance, Compliance) by participating in planning and development initiatives; contributes to business objectives by using knowledge of credit card industry, laws, and regulations

• Proactively identifies, evaluates and contributes to the appropriate management of legal, regulatory, and reputational risk through cross-function collaboration, following relevant legal developments, participating in internal projects, and escalating as appropriate

• Manages day-to-day legal activities as a subject matter expert in area of responsibility and provide advisory services to business partners regarding retail partner credit card programs

• Negotiates, coordinates, and monitors management of complex legal issues and make key decisions within area of responsibility, escalating where necessary

• Appropriately assesses 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

Qualifications:

• 7+ years of experience in financial services industry, with experience specific to the credit card industry a plus

• Excellent leadership, communication and relationship management skills

• Proven ability to apply sound judgement while managing multiple assignments simultaneously in a demanding, fast-paced environment

• Knowledge of federal and state consumer credit laws affecting the credit card industry, including Truth-in-Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Electronic Funds Transfer Act, Privacy laws and UDAAP

• Experience advising on credit card matters a plus, including: credit card account origination and issuance; marketing materials and consumer disclosures and collateral; rewards programs; digital applications, interfaces and wallets; issue identification and remediation; credit bureau reporting; data security and privacy; fair lending; general credit card operations

• Experience with negotiating and drafting contracts

• Bar license in good standing to practice law

Education:

• Juris Doctorate or equivalent law degree

Job Family Group:

Legal

Job Family:

Legal - Product

Time Type:

Full time

Primary Location:

Tampa Florida United States

Primary Location Full Time Salary Range:

$169,040.00 - $253,560.00

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.

Anticipated Posting Close Date:

Jan 30, 2025

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) .

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View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf)

Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.