Manager - Compliance

This position will be a key member of U.S. Commercial Compliance team as Line of Business Compliance Officer with primary oversight of payment products, partners, services and platforms within the American Express business product suite. The position provides 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 and regulations. Areas of responsibility will include assessment of compliance risk primarily associated with complex digital ecosystems for business clients integrating card, program and payment management, including product uplifts/changes and features, review of marketing claims and disclosures, training, and other business-owned content.

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. 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.

• Deep regulatory knowledge of the financial regulations applicable to U.S. banking, consumer protection, credit card products, digital banking and payment management platforms including UDAP, Reg B, Privacy, ADA accessibility, and financial crimes regulations.

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

• Strong relationship and leadership skills with proven ability to communicate and collaborate effectively at all levels of the organization.

• Demonstrated ability to make decisions independently, work well under pressure, meet deadlines and adapt easily to frequent change.

• Understanding of regulatory expectations and experience preparing for meetings with regulators and regulatory exams.

• Proven ability to build rapport, garner respect and appropriately exercise authority in a collaborative environment.

• Prior expense management, fintech, banking industry, compliance, legal or risk experience is a plus.

• Bachelor's degree required; advanced degree preferred

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

• Provide effective challenge with GCS B2B Payments business stakeholders on compliance/regulatory requirements applicable to various partnerships and B2B payment offerings.
• Review and evaluate marketing, advertising materials, digital capabilities, customer journeys and required disclosures for adherence to applicable laws including but not limited to Unfair or Deceptive Acts or Practices (UDAP), Equal Credit Opportunity Act (Reg B), consumer protection, Privacy, ADA accessibility, Anti-Money Laundering/Know Your Customer, Sanctions, and all other applicable federal and state regulations.
• Support an effective Compliance program including Compliance Risk Assessment (CRA), Regulatory Change and Inventory Management (RCIM), and provide oversight and challenge on business owned Key Risk Indicators (KRIs) and Regulatory Business Self Testing (RBST).
• Effectively identify and challenge Compliance Issues to ensure timely creation or enhancement of controls, closure of gaps, and customer remediation where required.
• Collaborate as required with relevant stakeholders, including but not limited to: Internal Audit, Independent Compliance Testing team, Product, General Counsel's Organization, Operational Risk, Control Management, Financial Crimes Compliance, and Privacy Office.
• Assist in preparation for regulatory inquiries and examinations.
• Additional responsibilities based on team needs.
• Provide effective challenge with GCS B2B Payments business stakeholders on compliance/regulatory requirements applicable to various partnerships and B2B payment offerings.
• Review and evaluate marketing, advertising materials, digital capabilities, customer journeys and required disclosures for adherence to applicable laws including but not limited to Unfair or Deceptive Acts or Practices (UDAP), Equal Credit Opportunity Act (Reg B), consumer protection, Privacy, ADA accessibility, Anti-Money Laundering/Know Your Customer, Sanctions, and all other applicable federal and state regulations.
• Support an effective Compliance program including Compliance Risk Assessment (CRA), Regulatory Change and Inventory Management (RCIM), and provide oversight and challenge on business owned Key Risk Indicators (KRIs) and Regulatory Business Self Testing (RBST).
• Effectively identify and challenge Compliance Issues to ensure timely creation or enhancement of controls, closure of gaps, and customer remediation where required.
• Collaborate as required with relevant stakeholders, including but not limited to: Internal Audit, Independent Compliance Testing team, Product, General Counsel's Organization, Operational Risk, Control Management, Financial Crimes Compliance, and Privacy Office.
• Assist in preparation for regulatory inquiries and examinations.
• Additional responsibilities based on team needs.