Financial Analyst presso 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?

Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on #TeamAmex.

The Financial Analyst of Asset-backed Securitization (“ABS”) is a key position within Global Treasury Controllership. ABS provides one of the primary funding sources for American Express. American Express periodically securitizes Card Member receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collateralized by the transferred assets. 

The ABS Controllership team is responsible for the accounting, cash management, controls, and SEC & Trust Investor reporting requirements to help support this vital funding source for American Express. The team is committed to excellence, talent development, encouraging work/life balance, and timely recognition of team members. This position will perform accounting, reporting, and analysis for the ABS Trusts. The ABS Analyst will be responsible for the key deliverables for the trusts, including daily settlement activity and the monthly reporting.

Responsibilities include:

• Perform cash settlement activities within the ABS system (ABS Suite+), including but not limited to daily cash settlement
• Perform accounting activities, including daily accounting, ABS model updates, documentation of key processes, and balance checks
• Prepare monthly trust servicer report within ABS Suite+, and responsible for the filing
• Perform reporting activities, including regulatory submissions, intercompany balance reporting, financial submissions, SEC reporting, and monthly reconciliations
• Ensure a strong internal control environment including SOX and other controls & compliance
• Provide support for automation of ABS processes, and become SME for ABS Suite+ to support business initiatives / key projects
• Provide monthly and ad-hoc data submission to the business and Finance leadership in a standardized and intuitive manner
• Support automation of ABS processes, and the evolution of optimization and standardization for the asset-backed securitization process including working closely with treasury, legal, technology, Bank and other business partners

Minimum Qualifications:

• High level of proficiency in Excel and PowerPoint
• Bachelor's degree in accounting or relevant work experience
• Ability to articulate complex ideas with brevity, simplicity and impact
• Flexibility to effectively function in a fast-paced environment, high energy team player
• Excellent communication skills with an innate ability to interact at all levels of the organization
• Confidence to ask questions, develop a point of view, and voice an opinion in meetings with senior executives
• Motivated self-starter able to operate on multiple, confidential, diverse fronts simultaneously, with attention to detail
• Natural strategic mindset or “business intuition” – ability to step back from the numbers and consider the analysis from multiple points of view, decision analysis and support skillset required

Preferred Qualifications:

• Experience with ABS (Asset Backed Securities)
• Strong understanding of card economics

%3Cp style=%22margin-bottom:0in;margin-right:0in;margin-top:0in;%22%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3ESalary Range: %2465,500.00 to %24102,500.00 annually + bonus + benefits%3Co:p%3E%3C/o:p%3E%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-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=%22font-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=%22font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3ECompetitive base salaries%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EBonus incentives%26nbsp;%3C/span%3E%3C/li%3E%3Cli%3E%3Cspan style=%22font-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=%22font-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=%22font-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=%22font-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=%22font-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=%22font-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=%22font-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=%22font-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=%22font-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=%22font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3EColleague Benefits Site%3C/span%3E%3C/a%3E%3Cspan style=%22font-family:Arial, Helvetica, sans-serif;font-size:16px;%22%3E.%3C/span%3E%3C/p%3E%3Cp%3E%3Cspan style=%22font-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. 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