Global Merchant & Network Services (GMNS) powers the American Express global payments network, enabling more than $1.7T in annual spend across 170+ markets. Within GMNS, the Global Governance, Risk, Remediation, & Operations (GRRO) team drives strategy, governance, and execution to enable a profitable, compliant, and vibrant network.
Reporting to the Director, KYC POA Strategy, the Analyst will play a key role in developing and executing the global KYC POA strategy across merchant onboarding, refresh methodology, operating model design, decisioning logic, and procedural and playbook standards. This is a highly execution-oriented role responsible for translating strategic priorities and regulatory requirements into actionable solutions, driving cross-functional workstreams, conducting analysis, and supporting implementation across markets and business segments.
Responsibilities- Support the development and execution of the Global KYC POA strategy across merchant onboarding, refresh methodology, operating model design, decisioning logic, and procedural/playbook standards.
- Own and drive key KYC POA strategy and transformation workstreams
- Translate regulatory, policy, business, and operational requirements into practical KYC strategies, business requirements, decisioning frameworks, processes, and implementation plans.
- Conduct detailed analysis of existing KYC processes, requirements, merchant populations, operational performance, and pain points to identify opportunities to strengthen compliance, reduce risk, improve efficiency, and enhance the merchant experience.
- Develop recommendations and future-state solutions that balance KYC and regulatory requirements with operational scalability and a frictionless merchant experience.
- Develop and maintain KYC procedures, standards, governance frameworks, controls, playbooks, and supporting documentation to drive consistency across geographies and business segments.
- Partner closely with Compliance, GMNS Product, Control Management, second line of defense, and other business stakeholders to develop requirements, resolve issues, and implement scalable KYC solutions.
- Facilitate cross-functional working sessions to evaluate complex KYC challenges, define solutions, document decisions, and drive actions through completion.
- Monitor the effectiveness of implemented KYC strategies and processes and identify opportunities for continuous improvement, automation, simplification, and enhanced controls.
- Stay informed of evolving KYC requirements, regulatory expectations, industry practices, and internal policy changes and assess their potential impact on merchant KYC strategies and processes.
- 3 years of experience in financial crime compliance, KYC strategy, risk management, merchant/customer onboarding, operations, consulting, or a related function within financial services.
- Knowledge of KYC regulatory requirements, processes, onboarding and refresh methodologies, and financial crimes risk management principles.
- Experience developing or implementing KYC strategies, processes, operating models, decisioning frameworks, procedures, or remediation programs.
- Demonstrated ability to independently own complex workstreams and take initiatives from analysis and problem definition through recommendation and implementation.
- Strong analytical and problem-solving skills, with the ability to synthesize complex regulatory, operational, and data-driven inputs into clear insights and practical solutions.
- Experience translating business, policy, regulatory, and operational requirements into detailed business requirements, processes, procedures, and implementation plans.
- Strong program and project management capabilities, including milestone management, risk and issue management, dependency tracking, and cross-functional coordination.
- Ability to work effectively across a complex, matrixed organization and build productive relationships with stakeholders across Business, Operations, Technology, Risk, and Compliance.
- Strong written and verbal communication skills, with the ability to develop clear, concise presentations and recommendations for senior stakeholders.
- Highly organized and detail-oriented, with demonstrated ability to manage multiple priorities and deliver high-quality work in a fast-paced environment.
- Ability to operate with a high degree of ownership and autonomy while knowing when to escalate key decisions, risks, or issues.
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
Skills Required
- 3 years of experience in financial crime compliance, KYC strategy, risk management, merchant or customer onboarding, operations, consulting, or a related financial services function
- Knowledge of KYC regulatory requirements, onboarding and refresh methodologies, and financial crime risk management principles
- Experience developing or implementing KYC strategies, processes, operating models, decisioning frameworks, procedures, or remediation programs
- Ability to independently own complex workstreams from analysis and problem definition through recommendation and implementation
- Strong analytical and problem-solving skills, including synthesizing regulatory, operational, and data-driven inputs into practical solutions
- Experience translating business, policy, regulatory, and operational requirements into business requirements, processes, procedures, and implementation plans
- Strong program and project management capabilities, including milestone, risk, issue, dependency, and cross-functional coordination management
- Ability to work effectively across a complex, matrixed organization and build relationships across Business, Operations, Technology, Risk, and Compliance
- Strong written and verbal communication skills, including developing presentations and recommendations for senior stakeholders
- Highly organized and detail-oriented, with the ability to manage multiple priorities in a fast-paced environment
- Ability to operate with ownership and autonomy while escalating key decisions, risks, or issues appropriately
- Employment eligibility to work in the United States
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.
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Strong & Reliable Incentives — Bonuses are often viewed as strong and materially boost total compensation when combined with benefits. Company-performance bonuses are highlighted as a recurring strength.
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Leave & Time Off Breadth — Paid time off and paid leave are frequently highlighted as strengths within the total rewards package. These policies support work-life balance and contribute meaningfully to overall satisfaction.
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Retirement Support — Retirement benefits are frequently mentioned as a positive component of the package. These offerings add tangible value 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.
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