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With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

How will you make an impact in this role?

As a Line of Business Compliance Officer (LOBCO), this role is responsible for providing second line of defense monitoring and oversight of the global Network & Acquirer Solutions (NAS) organization, specifically related to Network, Enterprise Payments, and Policy risks and initiatives.  Responsibilities include employing a risk-based approach to ongoing monitoring that ensures the business has appropriate processes and controls in place to mitigate regulatory risk and ongoing compliance with internal policies and standards.   This includes oversight of the Compliance Risk Management Program (e.g., Strategic Compliance Plan, Compliance Risk Assessment, Business Unit Compliance Assessment, Issue Management, Monitoring/Testing) and reporting progress against Program deliverables.

 

Responsibilities:

Oversee business unit adherence to American Express policies and global Network regulatory requirements. Liaise and report on the business’ activities related to Strategic Compliance Plan goal tracking, remediation, and closure. Engage on global Regulatory Change Management (RCM) Compliance activities including the analysis of new/changing legal mandates/requirements, performance of applicability assessment, and monitor the business’ remediation project efforts. Support the global Compliance Risk Assessment process (e.g., legal mandate/requirement applicability assessment, control validation, action item monitoring) across multiple Process Risk Self-Assessments (PRSAs). Support the Global Merchant & Network Services (GMNS) Business Unit Compliance Assessment (BUCA) process (e.g., validate metric results, develop relevant commentary, assess rating appropriateness) on a quarterly basis. Manage the global Issue Management Compliance-related activities (e.g., evaluate risk events to determine Compliance impact, monitor NAS milestone progress and tracking for closure of gaps and remediation). Monitor the business’ Know Your Customer (KYC), Anti-Money Laundering (AML), Sanctions, and Anti-Corruption due diligence for prospective and existing NAS ATM Partners globally and provide independent Compliance validation of diligence activities. Provide independent, trusted advisor consultation on proposed changes and exception requests to the Business and Operational Policies (BOP). Lead New or Modified Product Governance (NPG) Compliance-related activities (e.g., review GCO requirements mapping, assess control effectiveness, identify stipulation/action item identification, New Product Compliance Risk Assessment) related to new products and capabilities offered to Network participants. Liaise as required with relevant stakeholders including but not limited to: Internal Audit, External Regulators, Independent Compliance Testing, General Counsel, Control Management, Global Financial Crimes Compliance, and Privacy. Execute multiple projects, act independently and be involved in Compliance-related decision-making during interactions with NAS colleagues.

Minimum Qualifications

Minimum 3+ years of experience in Compliance, Control Management, Internal Audit or related activities, preferable with Network and Payments expertise. Knowledge of applicable laws and regulations pertaining to Network Payment Systems and specifically Financial Crimes requirements (e.g., Sanctions, Anti-Corruption, Anti-Money Laundering) within the financial services industry. In-depth knowledge and understanding of compliance risk management practices and methodologies, including risk assessment and control assessments. Ability to identify and understand key risks, issues and trends, and to develop meaningful information to be shared with leadership. Ability to lead, mentor and influence peers and business colleagues. Strong relationship and leadership skills, with proven ability to motivate colleagues, communicate, and collaborate effectively across a large organization. Professional maturity and confidence in expressing a point of view with management at various levels. Excellent interpersonal skills to successfully interact, persuade and influence a broad spectrum of constituents at all levels, including senior leadership. The ability to handle multiple tasks and prioritize work in a highly deadline-intensive environment is required. Experience in driving results in changing and ambiguous situations, meeting deadlines and delivering on expectations.

Preferred Qualifications

Bachelor’s Degree or equivalent work experience

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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

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.

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.