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.

How will you make an impact in this role?

This Director- U.S. Consumer Deposits Compliance position will play a critical leadership role within the Line of Business Compliance (LOBCO) organization supporting the U.S. Consumer deposits business, including Amex Rewards Checking Account and American Express Savings Accounts offered through American Express National Bank. The position provides independent compliance oversight and second-line challenge to ensure that the U.S. Consumer deposit business’s innovation and growth aligns with applicable laws and regulations for consumer deposit products, features, and processes. Attention will be focused on new product development, marketing strategies, risk management initiatives, process control, issue management, marketing collateral and disclosures, and other customer communications.

Responsibilities:

• Provide Compliance oversight, challenge and guidance to U.S. Consumer Deposits business stakeholders on compliance/regulatory requirements applicable to consumer deposit products and features.

• Driving implementation of policy and regulatory requirements in the areas of Reg E, Reg DD, Reg CC, NACHA rules, general banking, and other relevant federal, state and local regulations.

• Advising leaders on areas of emerging risk and approaches to improve necessary controls and practices as appropriate.

• Support new initiatives through the New Product Governance process, with a strong analytical focus on controls, testing, and ongoing monitoring to implement effective processes.

• Support an effective Compliance program including Compliance Risk Assessment, Regulatory Change Management, and contribute to the Business Unit Compliance Assessments, Key Risk Indicators and Regulatory Business Self Testing.

• Review proposed marketing campaign materials and strategies, to effectively mitigate compliance risks.

• Assess servicing and regulatory-driven customer communications and disclosures.

• Effectively manage any Issues and/or Operating Risk Events to ensure timely creation or enhancements of controls, closure of gaps and customer remediation where required.

• Develop and maintain strong working relationships with business partners and internal stakeholders (e.g., other Global Risk and Compliance colleagues, General Counsel Organization, Privacy, Internal Audit Group).

• Keep abreast of U.S. consumer regulations and trends for potential impact to Compliance risk assessments.

• Assist in preparation for regulatory inquiries and examinations.

• Additional responsibilities based on team need.

Minimum Qualifications:

• 5 years in Compliance or related activities within financial services industry, with demonstrated regulatory knowledge of and expertise in deposit banking regulations, including Regulations DD, E, CC, UDAAP, NACHA rules and related guidance.

• Prior compliance or related experience with the end-to-end deposit life cycle, including account acquisition, ATM, debit cards, money movement, servicing, and account restrictions.

• Ability to research, assess, and determine regulatory impact to business initiatives.

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

• Strong leadership skills and proven ability to communicate and collaborate effectively at all levels of the organization, including the ability to influence and/or challenge others to achieve desired results.

• Strong people skills and experience working in a matrixed and agile environment and on cross-functional teams.

• Ability to effectively communicate compliance risks and requirements to achieve desired results.

• Demonstrated ability to make decisions independently, work well under pressure, meet deadlines, and prioritize multiple tasks in a time sensitive environment.

• Excellent verbal and written communication skills.

• Proactive, results-oriented, and self-driven.

• Bachelor’s degree required.

Preferred Qualifications:

• Experience with digital and mobile banking products and platforms preferred.

• Certified Regulatory Compliance Manager (CRCM) or similar professional certification preferred.

Qualifications

Salary Range: $130,000.00 to $205,000.00 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.

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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-North Carolina-Charlotte

Other Locations: US-Arizona-Phoenix, US-Utah-Sandy, US-New York-New York, US-Florida-Sunrise

Schedule Full-time

Req ID: 25015419