The American Express Global Financial Crimes Compliance (GFCC) function provides second-line policy, framework, oversight and control solutions to meet the Company’s legal, regulatory and risk management mandates in connection with Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF), Sanctions and Anti-Bribery and Corruption. The GFCC portfolio comprises all aspects of the Company’s first and second-lien financial crime risk management (FCRM) activities, including all lines of businesses in the United States and both proprietary non-proprietary global markets. GFCC is part of the broader Global Risk & Compliance organization.
The GFCC Client Risk Management Office within the GFCC Global AML Office is responsible for Client Risk and Customer Due Diligence by leading efforts to assess, index, monitor, and mitigate client introduced risk, using data analytics to create dynamic Client Risk Ratings (CRR) to drive Know Your Customer (KYC) requirements, ensure regulatory compliance across all lines of business and jurisdictions where American Express operates, and provide relevant, reliable information to lines of business leadership and GFCC colleagues. 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.
The Role
As the expectations of our regulators across the globe continue to grow, we need to ensure that our Financial Crimes program continues to be effective and efficient globally, while also delivering to regulatory expectations at a market level. The successful candidate will report to the CDD Governance Manager and will be responsible for working with first- and second- line teams across markets and lines of business to drive enhancements to CDD processes and procedures by supporting strategic initiatives like- Guardian, KYC Standards gap assessment & implementation and Regulatory requests. The individual should have the proven ability to work collaboratively across markets and functions simultaneously and to thrive in a changing environment, as well as experience working on global initiatives.
ResponsibilitiesResponsibilities
- Support key governance related projects in line with Guardian and Regulatory requests through strong stakeholder management and working with the businesses in order to deliver on time-bound objectives.
Manage global initiatives like conducting Gap Assessment & Implementation of the KYC standards and drive alignment across markets and functions, ensuring key stakeholder engagement and timely risk mitigation.
Develop subject matter expertise in end-to-end CDD program, including understanding of the technology that supports it.
- Review and assess existing KYC policies, procedures, and workflows against internal standards and external regulatory requirements.
- 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.
- Monitor for changes in regulatory expectations and proactively assess potential impact on KYC programs.
- Stay updated on evolving regulations and industry standards
Qualifications
Qualifications
- 3+ years of proven experience and track record of success in program governance, project management, product management, strategy development and implementation.
- with minimum of 2+ years of experience in any of the following: BSA-AML / financial crimes compliance, government agency / regulator, general compliance, risk management, or audit.
- Ability to assess and synthesize key insights from large amounts of information to determine strategic opportunities and drive implementation.
- Excellent communication skills, both written and verbal, with proven ability to develop impactful communications and presentations to senior leadership, regulators, etc.
- Familiarity with KYC operations, customer lifecycle, management systems, and screening technologies is a plus
- 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.
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
About UsAt 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.
About the TeamWe 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.
Skills Required
- 3+ years of experience in program governance, project management, product management, or strategy development
- 2+ years of experience in BSA-AML / financial crimes compliance or risk management
- Bachelor's degree
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
-
Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
-
Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
-
Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete beyond base salary.
American Express Insights
What We Do
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
.png){kind=avatar}
