Job Details

Description

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Global Financial Crimes Compliance (GFCC) is an organization within Global Risk & Compliance (GRC) and is responsible for leading the enterprise-wide Anti-Money Laundering, Sanctions, and Anti-Corruption compliance functions. This team has global responsibility for identifying, investigating, and reporting suspicious activity, including money laundering and terrorist financing, and provides broad analytical and operational support for the company’s enterprise-wide GFCC control framework.

The U.S. Know Your Customer (KYC) Manager will be responsible for developing, implementing, and maintaining a robust oversight program to ensure compliance with regulatory requirements and internal standards. This includes monitoring the first line of defense KYC performance, providing guidance to strengthen KYC-related processes and controls, and overseeing adherence the Customer Identification Program (CIP) and risk-based Customer Due Diligence (CDD) requirements across all U.S. issued products.

This role involves close partnership with Compliance, Global Servicing, Lines of Business, and project teams to ensure KYC regulatory requirements and policies are consistently interpreted, implemented, and monitored. The successful candidate will have deep expertise in KYC regulations, a proven record of overseeing KYC programs, and the ability to clearly articulate regulatory expectations within a complex, highly regulated environment.

How will you make an impact in this role?

• Develop and maintain an oversight framework to monitor first line KYC adherence across all U.S.-issued products.

• Design and implement reporting mechanisms to track compliance with CIP and CDD requirements.

• Identify gaps, weaknesses, or emerging risks in first line KYC practices. Escalate deficiencies, breaches, or risks per issue management guidelines.

• Partner with Compliance, Operations, and Lines of Business to ensure consistent interpretation and application of KYC policies.

• Provide KYC subject matter expertise and guidance to first line teams on regulatory requirements and best practices.

• Collaborate with project teams to support enhancements in KYC systems, controls, and processes.

• Monitor regulatory changes and assess BSA/AML impacts on first line KYC activities that may impact AENB and TRS (U.S.) KYC requirements, updating oversight frameworks as needed.

• Serve as a second line subject matter expert to business teams on third-party identity verification solutions, processes, and best practices.

• Work with business partners to drive effective and timely resolution of identified issues

Minimum Qualifications

• 5 years of work experience in a financial services institution, retail/commercial bank operations or payment institution in BSA/AML, KYC, or financial crimes.

• Background in risk-based due diligence.

• Strong expertise in robust and effective KYC controls.

• Experience working with regulators and supporting regulatory exams or audits.

• Professional certification (e.g., Association of Certified Anti-Money Laundering Specialists (CAMS)).

• Proven ability to manage competing priorities, balance multiple responsibilities, and deliver results in a fast-paced, deadline-driven environment.

• Knowledge of U.S. New Account onboarding systems, processes, and third-party verification methodologies.

• Exceptional verbal and written communication skills.

• Experience with Microsoft Office, including Word, Excel, and PowerPoint.

• Strong collaboration and relationship development skills.

• Bachelor’s degree or equivalent experience.

Qualifications

Salary Range: $89,250.00 to $150,250.00 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 you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions

Job: Compliance

Primary Location: US-Arizona-Phoenix

Other Locations: US-Utah-Sandy, US-Florida-Sunrise

Schedule Full-time

Req ID: 25018686