Manager - Compliance at American Express

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 position will be a key member of the American Express Global Commercial Services (GCS) Line of Business Compliance Team (LOBCO), primarily supporting Small Business Card products.  The successful candidate will provide second line of defense compliance oversight for this core area of the GCS business.  The compliance efforts for this position will have a particular focus on overseeing compliance risks related to new/modified products with Cobrand partners, marketing collateral, offers, benefits, and rewards development and fulfillment, customer communications for commercial products, features and processes, as well as supporting Compliance Program deliverables related to these areas.

Key Responsibilities:

• Providing 2^nd line credible challenge to protect American Express while overseeing business colleagues as they work toward their objectives.
• Supporting implementation of policy and regulatory requirements in the areas of UDAP, Fair Lending, general credit card practices, general banking, and other relevant federal, state and local regulations.
• Analyzing new and/or enhanced products and services as part of the New Product Development process to assess compliance risks, new/enhanced controls, and ensure adherence with regulatory requirements.
• Reviewing and providing effective challenge to the business on marketing and advertising material including required disclosures.
• Reviewing and providing effective challenge of Compliance Issues, Risk Events, and customer remediation for timely closure of gaps where required.
• Participating in the Compliance Risk Assessment process to ensure that the appropriate risks are identified and that the strength of the control environment is evaluated in accordance with Compliance Program standards.
• Liaising as required with the relevant stakeholders, including but not limited to: General Counsel’s Organization, other Compliance teams, Independent Compliance Testing team, Control Management, Internal Audit, Financial Crimes Compliance, and Privacy Office.
• Evaluating third-party compliance risk of vendors contracted to perform services on behalf of American Express.
• Assisting in preparation for regulatory inquiries and examinations.
• Additional responsibilities based on team needs.

Minimum Qualifications:

• Minimum 5-7 years experience in Compliance or related activities, within the financial services industry.
• Bachelor’s Degree required
• Strong regulatory knowledge of the financial regulations applicable to U.S. credit card products and commercial lending including UDAP, Fair Lending, sales and marketing practices, and other relative banking laws/regulations.
• Prior credit card industry, compliance, legal, or risk experience is a plus.
• In-depth knowledge and understanding of compliance risk management practices and methodologies, including risk and control assessments.
• Proven ability to build rapport, garner respect and appropriately exercise authority in a collaborative environment.
• Professional maturity and confidence in expressing a point of view with management.
• Ability to identify and understand key risks, issues and trends and to develop meaningful information and effective challenge to share with first line of defense and second line of defense leadership.
• The ability to multi-task and prioritize in a highly deadline-intensive environment is required.
• Excellent written, verbal, research, analytical, and interpersonal skills.
• CRCM certification is preferred.

Preferred Qualifications:

• Advanced degree preferred.

%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3ESalary Range: %2489,250.00 to %24150,250.00 annually + bonus + benefits%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EThe 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.%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EWe 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%27 physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:%3C/span%3E%3C/p%3E%3Cul%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3ECompetitive base salaries%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EBonus incentives%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E6% Company Match on retirement savings plan%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EFree financial coaching and financial well-being support%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EComprehensive medical, dental, vision, life insurance, and disability benefits%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EFlexible working model with hybrid, onsite or virtual arrangements depending on role and business need%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EFree access to global on-site wellness centers staffed with nurses and doctors (depending on location)%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EFree and confidential counseling support through our Healthy Minds program%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3ECareer development and training opportunities%3C/span%3E%3C/li%3E%3C/ul%3E%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EFor a full list of Team Amex benefits, visit our %3C/span%3E%3Ca target=%22_blank%22 rel=%22noopener noreferrer%22 href=%22https://www.americanexpress.com/en-us/colleagues/benefits%22%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E%3Cu%3EColleague Benefits Site%3C/u%3E%3C/span%3E%3C/a%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E.%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EAmerican 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.%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EWe back our colleagues with the support they need to thrive, professionally and personally. That%27s 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.%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EUS Job Seekers - Click to view the “%3C/span%3E%3Ca target=%22_blank%22 rel=%22noopener noreferrer%22 href=%22https://www.eeoc.gov/poster%22%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E%3Cu%3EKnow Your Rights%3C/u%3E%3C/span%3E%3C/a%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: %3C/span%3E%3Ca style=%22color:#0563c1;%22 target=%22_blank%22 rel=%22noopener noreferrer%22 href=%22https://www.eeoc.gov/poster%22%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E%3Cu%3Ehttps://www.eeoc.gov/poster%3C/u%3E%3C/span%3E%3C/a%3E%3C/p%3E%3Cp class=%22MsoNoSpacing%22%3E%3Ca name=%22OLE_LINK7%22%3E%3Cspan style=%22color:black;font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EEmployment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/a%3E%3C/p%3E
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