Senior Intelligence Analyst

Citi

. Monitor and synthesize internal and external intelligence to identify emerging rewards-abuse schemes .

Posted 10/2/2026full-timeUnited StatesSenior💰 $87,280 - $130,920 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in rewards abuse investigation and fraud analysis, with strong analytical skills to identify patterns and trends. Capable of collaborating across functions and effectively communicating complex information to stakeholders.

Highest-signal resume keywords

Rewards Abuse InvestigationFraud InvestigationsAnalytical AbilityCross-Functional CollaborationCommunication Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Qualitative AnalysisQuantitative AnalysisRisk Indicators EvaluationData AnalysisCase Management SystemsProcess DocumentationCrisis Response WorkflowsFinancial Crime AnalysisManufactured Spend AnalysisFraud Lifecycle Concepts

Soft Skills

Detail-OrientedCuriosityIndependent JudgmentRelationship BuildingWritten Communication

Certifications & Qualifications

Bachelor’s Degree

Industry Keywords

Rewards EcosystemLoyalty ProgramsCredit-Card OperationsFraud PolicyMerchant-Funded RewardsOnline CommunitiesArbitrage TacticsInformation SharingThreat AwarenessProcess Improvements

About the role

Key responsibilities & impact

Monitor and synthesize internal and external intelligence to identify emerging rewards-abuse schemes
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 potential abuse signals, and document findings for internal partners
Serve as liaison between the Fraud Fusion Center and industry working groups
Participate in external fraud/loyalty-abuse roundtables and information-sharing forums
Collaborate with Fraud Policy & Strategy, Product Teams, Data Analytics, AML, Citi Security & Investigative Services, and other stakeholders
Share emerging intelligence, coordinate assessments, drive threat awareness, and support mitigation steps
Document processes, investigative flows, and escalation pathways for rewards-abuse incidents
Maintain investigative notes, intelligence summaries, and analytical artifacts in case-management systems
Support development of playbooks, best practices, and process improvements
Balance day-to-day investigations with longer-term research initiatives
Prioritize assignments, escalate urgent issues, and assist with crisis-response workflows

Requirements

What you’ll need

2–5 years of relevant experience in rewards abuse investigation, loyalty or credit-card rewards operations, fraud investigations in card or retail banking, financial crime analysis or intelligence roles, or identifying/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 discussed
Strong analytical ability to identify subtle indicators and emerging patterns across qualitative or semi-structured inputs
Strong written and verbal communication skills; ability to summarize complex information clearly
Highly curious, detail-oriented, and capable of independent judgment with limited supervision
Demonstrated ability to build cross-functional relationships
Bachelor’s degree/University degree or equivalent experience
Preferred: direct prior work in credit-card loyalty programs, offer/promotion design or governance, merchant-funded rewards ecosystems, or financial fraud investigations
Preferred: exposure to fraud lifecycle concepts and risk management practices
Preferred: experience briefing leadership or participating in working groups
Preferred: familiarity with MS mechanics, including gift card chains, pseudo-MS escalations, liquidation paths, and partner loopholes

Benefits

Comp & perks

Discretionary and formulaic incentive and retention awards
Medical, dental & vision coverage
401(k)
Life, accident, and disability insurance
Wellness programs
Paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays