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.

Director & Counsel – US Consumer and Commercial Legal Team:

The US Consumer and Commercial Legal Team in the General Counsel’s Organization (GCO) is seeking a Director & Counsel for Small Business Pricing and Lending. This attorney will advise the Global Commercial Services teams responsible for developing the pricing strategies for the lending products offered to small business clients by American Express. Those products include the portfolio of Small Business Cards as well as the Business Line of Credit. In addition, this attorney will be the primary product attorney supporting the Business Line of Credit.

Role & Responsibilities:

• Counsel the business teams who manage the pricing of small business lending products, including legal, regulatory and compliance considerations

• Consult on the development of all new pricing constructs for card and non-card business lending

• Assess pricing constructs in light of applicable federal and state laws, as well as internal policies and procedures related to pricing governance

• Advise on all matters related to the communication and implementation of new pricing constructs or changes to existing pricing constructs for small business lending products

• Support the evolution of the Business Line of Credit, a non-card installment lending product that helps small businesses to meet their funding needs

• Advise on all elements of the Business Line of Credit product, including marketing, customer acquisition, digital experiences, operational matters, new feature development and compliance with new legal and regulatory requirements

• Collaborate on improvements to the Business Line of Credit, including web and mobile experiences of customers

• Advise on phone-based sales strategies, consistent with company policies to promote fair and accurate sales practices

• Advise the business with regard to customer complaints, and consult on regulatory exams as well as internal audits

• Work with the Compliance organization to deepen and strengthen the risk management program for business lending

Minimum Qualifications:

• Bachelor’s degree and J.D. from an accredited law school

• Qualified to practice law in New York in good standing

• 6 years of relevant experience in a law firm and/or in-house corporate legal environment

• Prior experience advising banking and/or fintech clients with regard to lending products

• Deep knowledge of federal and state laws and regulations related to lending

• Excellent communication, analytical, problem-solving, organizational and interpersonal skills

• High level of professionalism and confidentiality, with a commitment to ethical conduct

• Must have the ability to work independently

• Must possess excellent writing skills

Preferred Qualifications:

• Direct experience managing complex projects in a regulated, deadline intensive environment

• Proven ability to act as a trusted advisor and synthesize complex legal issues for business leaders

• Passion for working towards creative, solution-oriented outcomes that effectively address legal requirements

• Capacity to be agile and pivot appropriately when challenged with new information or evolving circumstances

• Ability to gain credibility, manage expectations and generate buy-in through relationship building and communication

• High-energy, team oriented, self-starter with strong written and interpersonal communication skills, executive presence, and ability to effectively interact at all levels within the organization

• Must work well in cross-functional team settings and have a keen eye for initiating and driving end to end process improvements to enhance efficiency and productivity

Qualifications

Salary Range: $144,250.00 to $256,250.00 annually bonus equity (if applicable) 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: Legal

Primary Location: US-New York

Other Locations: United States, US-Florida-Sunrise, US-Georgia-Atlanta

Schedule Full-time

Req ID: 26001313