Test Analyst

Job Title: Compliance Testing ManagerDepartment: ComplianceLocation: MumbaiReporting To: Senior Compliance ManagerPositions : 1Job Purpose:To ensure the bank's operations, products, and services comply with applicable regulatory requirements through structured compliance testing. The role involves planning, executing, and reporting on compliance testing activities, identifying gaps, and recommending corrective actions.Key Responsibilities:Compliance Testing Execution:Develop and implement the annual compliance testing plan.Conduct compliance reviews across business units, branches, and new products.Perform control testing to assess adherence to regulatory and internal standards.Reporting & Documentation:Draft detailed testing reports with observations and management responses.Maintain MIS and dashboards for open issues, aging, and resolution timelines.Present findings to senior management and compliance committees.Stakeholder Engagement:Collaborate with business units to ensure timely closure of compliance gaps.Guide teams on remediation plans and monitor progress.Regulatory Monitoring:Stay updated on regulatory changes and assess their impact on testing scope.Support in updating testing methodologies and frameworks accordingly.Team Collaboration:Work closely with various teams.Mentor junior compliance staff and support cross-functional initiatives.Qualifications & Experience:Bachelor’s degree in Finance, Business Administration, or related field.5–8 years of experience in compliance testing, auditing, or risk management within the banking sector.Strong understanding of RBI guidelines, AML/KYC norms, and other banking regulations.Professional certifications like CCEP, CRCM, or ICA (preferred).Skills Required:Regulatory knowledge and interpretationRisk-based testing methodologyAnalytical and problem-solving skillsStrong communication and report writingStakeholder managementAttention to detail and organizational skillsPreferred Attributes:Experience in IT/ISG compliance testing is a plus.Ability to work independently and manage multiple testing engagements.Proactive approach to identifying and mitigating compliance risks.Show moreShow less

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Job Title: Compliance Testing Manager Department: ComplianceLocation: MumbaiReporting To: Senior Compliance Manager Positions : 1 Job Purpose:To ensure the bank's operations, products, and services comply with applicable regulatory requirements through structured compliance testing. The role involves planning, executing, and reporting on compliance testing activities, identifying gaps, and recommending corrective actions.Key Responsibilities:Compliance Testing Execution:<ul><li>Develop and implement the annual compliance testing plan.</li><li>Conduct compliance reviews across business units, branches, and new products.</li><li>Perform control testing to assess adherence to regulatory and internal standards.</li></ul>Reporting &amp; Documentation:<ul><li>Draft detailed testing reports with observations and management responses.</li><li>Maintain MIS and dashboards for open issues, aging, and resolution timelines.</li><li>Present findings to senior management and compliance committees.</li></ul>Stakeholder Engagement:<ul><li>Collaborate with business units to ensure timely closure of compliance gaps.</li><li>Guide teams on remediation plans and monitor progress.</li></ul>Regulatory Monitoring:<ul><li>Stay updated on regulatory changes and assess their impact on testing scope.</li><li>Support in updating testing methodologies and frameworks accordingly.</li></ul>Team Collaboration:<ul><li>Work closely with various teams. </li><li>Mentor junior compliance staff and support cross-functional initiatives.</li></ul> Qualifications &amp; Experience:<ul><li>Bachelor’s degree in Finance, Business Administration, or related field.</li><li>5–8 years of experience in compliance testing, auditing, or risk management within the banking sector.</li><li>Strong understanding of RBI guidelines, AML/KYC norms, and other banking regulations.</li><li>Professional certifications like CCEP, CRCM, or ICA (preferred).</li></ul> Skills Required:<ul><li>Regulatory knowledge and interpretation</li><li>Risk-based testing methodology</li><li>Analytical and problem-solving skills</li><li>Strong communication and report writing</li><li>Stakeholder management</li><li>Attention to detail and organizational skills</li></ul>Preferred Attributes:<ul><li>Experience in IT/ISG compliance testing is a plus.</li><li>Ability to work independently and manage multiple testing engagements.</li><li>Proactive approach to identifying and mitigating compliance risks.</li></ul>
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Compliance Testing Manager

Integral to Citi Cards‘ success is strong and effective Risk Management that allows us to serve our customers while also protecting Citi’s interests. NA Cards Risk Management division comprises of highly qualified individuals spread across the globe.Position Summary:The role is within the Loss / Loan Loss Reserve Forecasting and Stress Testing team. This group is specifically tasked with calculating and managing the net credit loss and loan loss reserve forecast on a $90BN + portfolio and working with the Finance teams to build forecasts for credit losses and loan loss reserves under varying macro-economic and business conditions. The individual will be responsible for NA Cards efforts around Comprehensive Capital Analysis & Review (CCAR/DFAST) for NA Cards portfolios.The individual should demonstrate strong leadership skills and is expected to leverage technical and business acumen and leadership skills in order to deliver high quality results. The individual will collaborate with Modeling, Finance, Risk Policy, Governance, Global CCAR office, and External Auditors.Responsibilities include but are not limited to understanding the key drivers of losses and loan loss reserves, their relative importance and the current trends; apply this knowledge effectively to forecast losses / loan loss reserves meaningfully and accurately; analyze underlying model outputs relative to other business, ensure that the models provide rational and logical output, Reconcile detailed financial data from disparate data sources, be able to present the findings to various key stake-holders and senior management across the NA Cards organization; hold meaningful discussions and present to various review and challenge teams, internal and external auditors and regulators; ensure best in class governance and documentation practices for these functions; drive process efficiencies through automation for the underlying data, forecasting and reporting processes.Key Responsibilities:Reliably execute and demonstrate leadership on:Quarterly loss / loan loss reserve forecasting and stress testing processes (CCAR, QMMF, Recovery Plan) deliverables for one or more NA Cards portfolios, andAssociated governance activities (Manager Control Assessment, End User Computing, Activity Risk Control Monitoring and its Assessment Units)Cross-portfolio and cross-functional collaboration on loss / loan loss reserve forecasting and stress testing analyticsReview and challenge existing models, and model outputs to identify areas of improvement relative to portfolio & macro-economic trends.Understand the calculation of reserves, components of P&L, and the impact of CECL on CCAR results besides understanding the synergies between two processesPartner with Finance team to complete requests on financial planning & CCAR/DFAST results and increased integration of credit risk & PPNR resultsCollaborate with Risk Modeling, Portfolio and New Account Forecasting, Data and Reporting teamsCreate presentations with supportive analysis, storyboard results, and lead discussions with senior management, Finance heads, Independent Risk; required as part of the business review and effective challenge processEstablish and continually evolve standardized business and submission documentationCoordinate with Global CCAR Office, drive centralized reporting requirements, and communicate with Auditors and RegulatorsPartner with Risk and Finance organization to understand sources of data and continue to improve the process of defining, extracting and utilizing data.Identify areas of improvement in BAU and drive process efficiency through process simplification and automation (VBA, SAS, etc.)Manage information controls (version control, central results summary) to meet business objectives with utmost clarityQualifications:Bachelor’s degree in a quantitative discipline: Mathematics, Sciences, Economics, Management, Operations Research, Engineering and Statistics (Master’s degree in an analytical field is a plus).7-9 years of work experience in financial services or management consulting.Strong understanding of risk management. Knowledge of credit card industry and Knowledge of credit card industry and key regulatory activities (CCAR) are a plus.Strong understanding and hands-on experience with econometric and empirical forecasting modelsStrong CCAR / DFAST/Stress Testing experience is preferredBroad understanding of overall business model and key drivers of P&L.5+ years of experience in using analytical packages, SAS, datacube/Essbase, MS Office (Excel, Powerpoint)Vision and ability to provide innovative solutions to core business practices.Ability to develop partnerships across multiple business and functional areas.Strong written and oral communication skills.Leadership Competencies:Capability and experience to drive changes in order to achieve business targetsSenior executive interactions - can present credibly to both large and small groupsStrong interpersonal skills and ability to influence at all levels of managementDisplays flexibility to work well with varying personal stylesTakes personal responsibility to lead by example. Understands and appreciates diverse backgrounds.Demonstrates strong ethicsDevelops strong cross-functional relationships within and outside Risk ManagementContributes to a positive work environment; shares knowledge and supports diversityAbout CitiCiti, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.------------------------------------------------------Job Family Group:Risk Management------------------------------------------------------Job Family:Risk Analytics, Modeling, and Validation------------------------------------------------------Time Type:Full time------------------------------------------------------Most Relevant SkillsAnalytical Thinking, Business Acumen, Constructive Debate, Data Analysis, Escalation Management, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment, Statistics.------------------------------------------------------Other Relevant SkillsFor complementary skills, please see above and/or contact the recruiter.------------------------------------------------------Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.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 reviewAccessibility at Citi.View Citi’s EEO Policy Statement and the Know Your Rights poster.Show moreShow less

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 Integral to Citi Cards‘ success is strong and effective Risk Management that allows us to serve our customers while also protecting Citi’s interests. NA Cards Risk Management division comprises of highly qualified individuals spread across the globe. Position Summary: The role is within the Loss / Loan Loss Reserve Forecasting and Stress Testing team. This group is specifically tasked with calculating and managing the net credit loss and loan loss reserve forecast on a $90BN + portfolio and working with the Finance teams to build forecasts for credit losses and loan loss reserves under varying macro-economic and business conditions. The individual will be responsible for NA Cards efforts around Comprehensive Capital Analysis &amp; Review (CCAR/DFAST) for NA Cards portfolios. The individual should demonstrate strong leadership skills and is expected to leverage technical and business acumen and leadership skills in order to deliver high quality results. The individual will collaborate with Modeling, Finance, Risk Policy, Governance, Global CCAR office, and External Auditors. Responsibilities include but are not limited to understanding the key drivers of losses and loan loss reserves, their relative importance and the current trends; apply this knowledge effectively to forecast losses / loan loss reserves meaningfully and accurately; analyze underlying model outputs relative to other business, ensure that the models provide rational and logical output, Reconcile detailed financial data from disparate data sources, be able to present the findings to various key stake-holders and senior management across the NA Cards organization; hold meaningful discussions and present to various review and challenge teams, internal and external auditors and regulators; ensure best in class governance and documentation practices for these functions; drive process efficiencies through automation for the underlying data, forecasting and reporting processes. Key Responsibilities: <li>Reliably execute and demonstrate leadership on:</li><ul><li>Quarterly loss / loan loss reserve forecasting and stress testing processes (CCAR, QMMF, Recovery Plan) deliverables for one or more NA Cards portfolios, and</li><li>Associated governance activities (Manager Control Assessment, End User Computing, Activity Risk Control Monitoring and its Assessment Units)</li><li>Cross-portfolio and cross-functional collaboration on loss / loan loss reserve forecasting and stress testing analytics</li><li>Review and challenge existing models, and model outputs to identify areas of improvement relative to portfolio &amp; macro-economic trends.</li><li>Understand the calculation of reserves, components of P&amp;L, and the impact of CECL on CCAR results besides understanding the synergies between two processes</li><li>Partner with Finance team to complete requests on financial planning &amp; CCAR/DFAST results and increased integration of credit risk &amp; PPNR results</li><li>Collaborate with Risk Modeling, Portfolio and New Account Forecasting, Data and Reporting teams</li><li>Create presentations with supportive analysis, storyboard results, and lead discussions with senior management, Finance heads, Independent Risk; required as part of the business review and effective challenge process</li><li>Establish and continually evolve standardized business and submission documentation</li><li>Coordinate with Global CCAR Office, drive centralized reporting requirements, and communicate with Auditors and Regulators</li><li>Partner with Risk and Finance organization to understand sources of data and continue to improve the process of defining, extracting and utilizing data.</li><li>Identify areas of improvement in BAU and drive process efficiency through process simplification and automation (VBA, SAS, etc.)</li><li>Manage information controls (version control, central results summary) to meet business objectives with utmost clarity </li></ul>Qualifications: <ul><li>Bachelor’s degree in a quantitative discipline: Mathematics, Sciences, Economics, Management, Operations Research, Engineering and Statistics (Master’s degree in an analytical field is a plus).</li><li>7-9 years of work experience in financial services or management consulting.</li><li>Strong understanding of risk management. Knowledge of credit card industry and Knowledge of credit card industry and key regulatory activities (CCAR) are a plus.</li><li>Strong understanding and hands-on experience with econometric and empirical forecasting models</li><li>Strong CCAR / DFAST/Stress Testing experience is preferred</li><li>Broad understanding of overall business model and key drivers of P&amp;L.</li><li>5+ years of experience in using analytical packages, SAS, datacube/Essbase, MS Office (Excel, Powerpoint)</li><li>Vision and ability to provide innovative solutions to core business practices.</li><li>Ability to develop partnerships across multiple business and functional areas.</li><li>Strong written and oral communication skills. </li></ul>Leadership Competencies: <ul><li>Capability and experience to drive changes in order to achieve business targets</li><li>Senior executive interactions - can present credibly to both large and small groups</li><li>Strong interpersonal skills and ability to influence at all levels of management</li><li>Displays flexibility to work well with varying personal styles</li><li>Takes personal responsibility to lead by example. Understands and appreciates diverse backgrounds.</li><li>Demonstrates strong ethics</li><li>Develops strong cross-functional relationships within and outside Risk Management</li><li>Contributes to a positive work environment; shares knowledge and supports diversity </li></ul>About Citi Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Risk Analytics, Modeling, and Validation ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Business Acumen, Constructive Debate, Data Analysis, Escalation Management, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment, Statistics. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 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. View Citi’s EEO Policy Statement and the Know Your Rights poster.
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AVP- CCAR / QMMF: Stress Testing, Forecasting

SummaryPosition SummaryAI & DataIn this age of disruption, organizations need to navigate the future with confidence, embracing decision making with clear, data-driven choices that deliver enterprise value in a dynamic business environment.The AI & Data team leverages the power of data, analytics, robotics, science and cognitive technologies to uncover hidden relationships from vast troves of data, generate insights, and inform decision-making. The offering portfolio helps clients transform their business by architecting organizational intelligence programs and differentiated strategies to win in their chosen markets.AI & Data will work with our clients to:Implement large-scale data ecosystems including data management, governance and the integration of structured and unstructured data to generate insights leveraging cloud-based platformsLeverage automation, cognitive and science-based techniques to manage data, predict scenarios and prescribe actionsDrive operational efficiency by maintaining their data ecosystems, sourcing analytics expertise and providing As-a-Service offerings for continuous insights and improvementsAI & Data Testing ConsultantThe position is suited for individuals who have demonstrated ability to work effectively in a fast paced, high volume, deadline driven environment.An ETL Tester is responsible for testing and validating the accuracy and completeness of data being extracted, transformed, and loaded (ETL) from various sources into the target systems.They work closely with ETL developers, data analysts, and other stakeholders to ensure the quality of data and the reliability of the ETL processes.Education And ExperienceEducation: B.Tech/M.Tech/MCA/MS/MBARequire experienced ETL testers (Informatica Power center) with an experience of 6-10 yrs. and having below skills:Required SkillsStrong in Data warehouse testing - ETL and BIStrong Database Knowledge – Oracle, SQL Server, Teradata and SnowflakeStrong SQL skills with experience in writing complex data validation SQL’sExperience working in Agile environment Experience creating test strategy, release level test plan and test casesDevelop and Maintain test data for ETL testingDesign and Execute test cases for ETL processes and data integrationGood Knowledge of Rally, Jira and HP ALMExperience in ETL Automation and data validation using PythonDocument test results and communicate with stakeholders on the status of ETL testingOur purposeDeloitte’s purpose is to make an impact that matters for our people, clients, and communities. At Deloitte, purpose is synonymous with how we work every day. It defines who we are. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.Our people and cultureOur inclusive culture empowers our people to be who they are, contribute their unique perspectives, and make a difference individually and collectively. It enables us to leverage different ideas and perspectives, and bring more creativity and innovation to help solve our clients' most complex challenges. This makes Deloitte one of the most rewarding places to work.Professional developmentAt Deloitte, professionals have the opportunity to work with some of the best and discover what works best for them. Here, we prioritize professional growth, offering diverse learning and networking opportunities to help accelerate careers and enhance leadership skills. Our state-of-the-art DU: The Leadership Center in India, located in Hyderabad, represents a tangible symbol of our commitment to the holistic growth and development of our people. Explore DU: The Leadership Center in India .Benefits To Help You ThriveAt Deloitte, we know that great people make a great organization. Our comprehensive rewards program helps us deliver a distinctly Deloitte experience that helps that empowers our professionals to thrive mentally, physically, and financially—and live their purpose. To support our professionals and their loved ones, we offer a broad range of benefits. Eligibility requirements may be based on role, tenure, type of employment and/ or other criteria. Learn more about what working at Deloitte can mean for you.Recruiting tipsFrom developing a stand out resume to putting your best foot forward in the interview, we want you to feel prepared and confident as you explore opportunities at Deloitte. Check out recruiting tips from Deloitte recruiters.Requisition code: 300070Show moreShow less

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Summary Position Summary AI &amp; Data In this age of disruption, organizations need to navigate the future with confidence, embracing decision making with clear, data-driven choices that deliver enterprise value in a dynamic business environment. The AI &amp; Data team leverages the power of data, analytics, robotics, science and cognitive technologies to uncover hidden relationships from vast troves of data, generate insights, and inform decision-making. The offering portfolio helps clients transform their business by architecting organizational intelligence programs and differentiated strategies to win in their chosen markets. AI &amp; Data will work with our clients to: <ul><li> Implement large-scale data ecosystems including data management, governance and the integration of structured and unstructured data to generate insights leveraging cloud-based platforms</li><li> Leverage automation, cognitive and science-based techniques to manage data, predict scenarios and prescribe actions</li><li> Drive operational efficiency by maintaining their data ecosystems, sourcing analytics expertise and providing As-a-Service offerings for continuous insights and improvements </li></ul>AI &amp; Data Testing Consultant <ul><li> The position is suited for individuals who have demonstrated ability to work effectively in a fast paced, high volume, deadline driven environment.</li><li> An ETL Tester is responsible for testing and validating the accuracy and completeness of data being extracted, transformed, and loaded (ETL) from various sources into the target systems.</li><li> They work closely with ETL developers, data analysts, and other stakeholders to ensure the quality of data and the reliability of the ETL processes. </li></ul>Education And Experience Education: B.Tech/M.Tech/MCA/MS/MBA Require experienced ETL testers (Informatica Power center) with an experience of 6-10 yrs. and having below skills: Required Skills <ul><li> Strong in Data warehouse testing - ETL and BI</li><li> Strong Database Knowledge – Oracle, SQL Server, Teradata and Snowflake</li><li> Strong SQL skills with experience in writing complex data validation SQL’s</li><li> Experience working in Agile environment Experience creating test strategy, release level test plan and test cases</li><li> Develop and Maintain test data for ETL testing</li><li> Design and Execute test cases for ETL processes and data integration</li><li> Good Knowledge of Rally, Jira and HP ALM</li><li> Experience in ETL Automation and data validation using Python</li><li> Document test results and communicate with stakeholders on the status of ETL testing </li></ul>Our purpose Deloitte’s purpose is to make an impact that matters for our people, clients, and communities. At Deloitte, purpose is synonymous with how we work every day. It defines who we are. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities. Our people and culture Our inclusive culture empowers our people to be who they are, contribute their unique perspectives, and make a difference individually and collectively. It enables us to leverage different ideas and perspectives, and bring more creativity and innovation to help solve our clients' most complex challenges. This makes Deloitte one of the most rewarding places to work. Professional development At Deloitte, professionals have the opportunity to work with some of the best and discover what works best for them. Here, we prioritize professional growth, offering diverse learning and networking opportunities to help accelerate careers and enhance leadership skills. Our state-of-the-art DU: The Leadership Center in India, located in Hyderabad, represents a tangible symbol of our commitment to the holistic growth and development of our people. Explore DU: The Leadership Center in India . Benefits To Help You Thrive At Deloitte, we know that great people make a great organization. Our comprehensive rewards program helps us deliver a distinctly Deloitte experience that helps that empowers our professionals to thrive mentally, physically, and financially—and live their purpose. To support our professionals and their loved ones, we offer a broad range of benefits. Eligibility requirements may be based on role, tenure, type of employment and/ or other criteria. Learn more about what working at Deloitte can mean for you. Recruiting tips From developing a stand out resume to putting your best foot forward in the interview, we want you to feel prepared and confident as you explore opportunities at Deloitte. Check out recruiting tips from Deloitte recruiters. Requisition code: 300070
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