Job Details

Vice President, Compliance

Phoenix, AZ, United States

Sunrise, FL, United States

Charlotte, NC, United States

Sandy, UT, United States

(Hybrid)

Job Description

Vice President, Compliance Officer - U.S. Credit & Fraud Risk and Customer Protection and Risk Operations

The Global Risk & Compliance Organization (“GRC”) is an independent risk management function, led by theChief Risk Officer (https://thesquare.americanexpress.com/userprofile/66629/douglas-j-tabish-aexp-com) , with the objective of ensuring that American Express operates in a safe, sound and fully compliant manner within all applicable regulatory expectations. GRC creates and maintain the overall risk management framework, performs independent risk management assessment, and monitor risks.

This position will play a critical leadership position as a line of business compliance officer within the Global Compliance & Ethics organization providing compliance oversight over the U.S. operations of the Credit and Fraud Risk organization (CFR), as well as the Customer Protection and Risk Operations (CPRO) within the Global Services Group at American Express.

As the Vice President of Compliance, U.S. CFR and CPRO, the successful candidate will lead a team responsible for providing independent compliance oversight and second-line effective challenge to ensure the business is building, enhancing, and maintaining an effective framework for compliance with applicable internal policies, laws, regulations.

Responsibilities

Specific responsibilities will include, but are not limited to, the following:

• Lead the engagement and effective challenge with CFR and CPRO business stakeholders on compliance/regulatory requirements applicable to projects and strategies.

• Review and provide oversight on activities related to compliance risk management and strategies in all aspects of the credit lifecycle, both for Card and non-Card lending, for Consumer and Commercial LOBs from underwriting, eligibility criteria, spend limits, credit bureau reporting through collections, settlements, disputes, fraud prevention, and any issue management.

• Active participation during CFR and CPRO councils and other planning meetings to provide effective challenge withrespect to new, existing, and changing products, services and capabilities to confirm that appropriate compliance processes and controls are put in place to mitigate compliance risk.

• Manage a team of Compliance professionals to execute all aspects of CFR and CPRO’s U.S. compliance program, including Compliance Risk Assessment (CRA) and Regulatory Change and Inventory Management (RCIM) and provide oversight and challenge on business owned Key Risk Indicators (KRIs) and Regulatory Business Self Testing (RBST). Develop and retain talent to maintain a strong team and motivate colleagues to achieve career goals, as well as to promote collaboration and information sharing to make decisions more effectively.

• Effectively collaborate and maintain strong relationships with colleagues across GCE, second line oversight teams in Global Risk & Compliance organization, key subject matter experts such as GCO, and other stakeholders across the Blue Box.

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

• Support regulatory examinations, internal audit reviews, Compliance monitoring and testing, and related efforts.

• Actively support the implementation of new first line of defense testing and enhancement of existing tests. Review and approve quarterly first line of defense test results and follow up on associated action plans.

• Promote the usage of industry and internal best practices and incorporating regulatory feedback to drive continuous improvement.

Qualifications

Minimum Qualifications

• Deep regulatory knowledge of U.S. credit laws and regulations, including Unfair or Deceptive, or Abusive Acts or Practices (UDAAP), Equal Credit Opportunity Act (Reg B), Fair Credit Reporting Act (FCRA), as well as Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act—TILA (Reg Z), Reg V, Fair Lending, Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA), privacy, emerging AI regulations and other applicable federal and state regulations.

• Ability to research, assess and determine regulatory impact to business systems, processes and initiatives and influence decisions accordingly.

• Excellent collaboration and teamwork skills and ability to work well in cross-functional team settings in a fast-paced environment to drive business results, utilizing related project management skills, employing creative thinking, and the ability to work on competing priorities, adapting easily to frequent change.

• Effective verbal and written communication skills, including the ability to persuade and influence a broad spectrum of constituents at all levels.

• Strong interpersonal skills and ability to effectively interact at all levels within the organization and with external counterparties.

• Ability to understand and integrate details of business operational/systemic environment in applying legal and policy requirements.

• Self-motivated, high level of personal energy and commitment.

At American Express, our culture is built on a 175-year history of innovation, shared values (https://www.americanexpress.com/en-us/company/who-we-are/) and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

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 out Colleague Benefits Site (https://www.americanexpress.com/en-us/colleagues/benefits) .

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 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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The below 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.?

Job Info

• Job Identification 26007420

• Job Category Compliance, Control & Legal

• Posting Date 05/07/2026, 10:52 PM

• Apply Before 05/22/2026, 05:00 AM

• Job Schedule Full time

• Job Shift Day

• Locations AMEX 18850 N 56th Street, Phoenix, AZ, 85054, US600 South Tryon Street, Charlotte, NC, 28202, US1500 NW 136th Avenue, Sunrise, FL, 33323, US115 West Towne Ridge Parkway, Sandy, UT, 84070, US(Hybrid)

• Salary Range $176750 - $282000 annually + bonus + equity (if applicable) + benefits

• Career Area Corporate Functions