Manager-Compliance

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

How will you make an impact in this role?

This position will be a key member of the American Express Global Commercial Services (GCS) Line of Business Compliance Team (LOBCO), primarily responsible for the Business Blueprint platform and products.  The successful candidate will provide compliance oversight for this unique and developing GCS ecosystem and product set, with a focus on the platform, cashflow analysis tool, and cross product initiatives.   Areas of responsibility will include assessment of compliance risk associated with new products and features, review of marketing claims and disclosures, procedures, training, and other business-owned collateral.

Responsibilities:

• Drive implementation and business partner understanding of applicable policy and regulatory requirements as related to small business financial products, including UDAP customer protection, fair lending requirements, privacy, anti-money laundering and all applicable federal and state regulations.

• Review and evaluate compliance risk associated with marketing and advertising material including required disclosures.

• Analyze new and/or enhanced products and services as part of the New Product Development process to assess compliance risks and ensure adherence with regulatory requirements.

• Effectively manage the Compliance Issue Management process and ensure appropriate decisioning of Compliance Issues, timely closure of gaps and customer remediation where required.

• Participate in the Compliance Risk Assessment process to ensure that all applicable laws and regulations are mapped to the applicable business processes, and assess the strength of the control environment.

• Oversee and evaluate sufficiency of regulatory business self-testing.

• Liaise as required with the relevant stakeholders, including but not limited to:  Internal Audit, Independent Compliance Testing team, General Counsel’s Organization, Operational Risk, Financial Crimes Compliance, and Privacy Office.

• Review vendor services prior to contractual engagement, including any modification with respect to the services performed or change in product and/or services as needed.

• Assist in preparation for regulatory inquiries and examinations.

• Additional responsibilities based on team needs.

Minimum Qualifications:

• Minimum 5- 7 years experience in Compliance or related activities, within the financial services industry.

• Prior banking industry, digital banking platforms, compliance, legal or risk experience is a plus.

• Strong knowledge of applicable laws and regulations pertaining to financial services lending and banking products, including consumer protection, banking, privacy, and marketing (e.g. UDAP, Reg B, FACTA and Identity Theft rules, privacy, TCPA, and BSA). 

• In-depth knowledge and understanding of compliance risk management practices and methodologies, including risk and control assessments.

• Understanding of regulatory expectations and experience preparing for regulator meetings and examinations.

• Proven ability to build rapport, garner respect and appropriately exercise authority in a collaborative environment.

• Professional maturity and confidence in expressing a point of view with management.

• Ability to identify and understand key risks, issues and trends and to develop meaningful information to be shared with leadership.

• The ability to handle multiple tasks and prioritize work in a highly deadline-intensive environment is required.

Preferred Qualifications:

• Bachelor’s Degree or equivalent work experience

• Advanced Degree preferred

Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• Competitive base salaries 

• Bonus incentives 

• 6% Company Match on retirement savings plan 

• Free financial coaching and financial well-being support 

• Comprehensive medical, dental, vision, life insurance, and disability benefits 

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 

• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy 

• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) 

• Free and confidential counseling support through our Healthy Minds program 

• Career development and training opportunities