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.

American Express’ Global Financial Crimes Compliance (GFCC) team is responsible for leading the enterprise-wide Anti-Money Laundering (AML), 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 AML function. GFCC is part of the broader Global Risk & Compliance organization.

The GFCC Risk Management Office within the GFCC Program Management Office is responsible for risk management and program health monitoring and facilitates alignment across GFCC and broader stakeholder teams in managing and overseeing the financial crimes compliance programs that it owns, which include the Customer Risk Rating (CRR), Money Laundering Risk Assessment, GFCC metrics and reporting, process risk self-assessments, and business ownership of the platform capabilities that support the CRR and Enhanced Due Diligence (EDD) programs. Additionally, GFCC is standing up a team to administer end-to-end centralized oversight and ownership of the Enhanced Due Diligence Program (including development of policies / standards / procedures), as well as 2nd line oversight of Know Your Customer Refresh (KYC-R), and implementing processes to execute centralized governance, oversight, analytics and monitoring.

• As GFCC embarks on a journey to uplift its risk assessment program and enhance platform capabilities, the enterprise undergoes an uplift to the Enterprise Risk and Operational Risk Management frameworks, and as the expectations of our regulators continue to grow, we need to ensure that our Financial Crimes program continues to be effective and efficient globally. The successful candidate will be responsible for working with first- and second- line teams across markets and lines of business to conduct ongoing gap assessments to standards (both in KYC data requirements and KYC-R / EDD review processes). Manage landscape assessments for US & International markets and to drive plan for implementation/alignment/exceptions.

Responsibilities

• Review and assess existing KYC policies, procedures, and workflows against internal standards and external regulatory requirements

• Identify operational, procedural, and documentation gaps in customer onboarding, risk rating, EDD review processes.

• Design/improve/ establish clear criteria and checklists for developing and managing assessment frameworks tailored to the organization’s needs.

• Use qualitative and quantitative analysis to Identify gaps, weaknesses and inefficiencies of KYC data captured in core systems.

• Engage with GFCC Reporting, GRC Product and Technology teams, as well as first and second line stakeholders to develop action plans that address identified KYC gaps.

• Define timelines, owners, and success metrics for remediation activities, and track them to closure.

• Audit and Regulatory Exam Preparedness by providing evidence of assessments, action plans, and remediation efforts.

• Conduct periodic reassessments to verify the closure of prior gaps and to evaluate the effectiveness of implemented controls.Monitor for changes in regulatory expectations and proactively assess potential impact on KYC programs.

• Lead a team of analysts to identify gaps or areas of concern and recommend corrective action plans. Prepare detailed assessment reports with findings, gap summaries, and risk implications.

• Stay updated on evolving regulations and industry standards

Qualifications

• Approximately three years of experience in Financial Crimes Compliance, Risk Management, and / or general Compliance, as well as expertise in reporting and data analysis, control management, and issue management.

• Strong understanding of KYC, AML, and sanctions compliance regulations

• Experience in risk and control assessments, audit, or compliance testing

• Familiarity with KYC operations, customer lifecycle, management systems, and screening technologies

• Strong time management, workload prioritization and project management skills.

• Decisive self-starter with high degree of accountability, solution focused and able to successfully balance multiple priorities over both the short and long term in a deadline-intensive environment.

• Ability to demonstrate strategic thinking, implement innovation and change, introduce and champion new processes

• Experienced people leader, capable of driving performance by coaching and motivating people for success, identifying their strengths and opportunities

• Ability to handle sensitive information in a confidential and professional manner Strong management, collaboration, organizational, and interpersonal skills, and proven ability to motivate and engage stakeholders to ensure effective delivery of initiatives. Excellent communication skills, both written and verbal, with proven ability to translate findings into impactful communications and presentations to senior leadership, regulators, etc.

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

• Strong decision-making skills, personal conviction, dependable, and adaptable with a proven ability to work independently or within a team environment as required.

• Bachelor’s degree required.

Qualifications

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 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-New York-New York

Other Locations: US-Utah-Sandy, US-Arizona-Phoenix

Schedule Full-time

Req ID: 25013265