You guys are overthinking this way too much. They are just verifying your information (including citizenship status and income) as part of an expanded KYC policy, thanks in large part to Dodd-Frank and the AML crackdown. If you are an Iraqi citizen making $20k a year and sending $250k wire transfers to Saudi Arabia, you might have a problem.

You should see what they put clients through on the Private Banking side. Citi PB wanted to conduct a KYC interview in front of a video camera. Answering a couple of basic questions over the phone is a walk in the park.