Global Risk & Compliance (“GRC”) independently oversees the company’s compliance, risk-taking and risk management activities, including the comprehensive identification, management, and mitigation of risks within the Company’s risk appetite. GRC ensures the company operates in a safe, sound and fully compliant manner within all applicable regulatory expectations. We create and maintain the overall risk management framework while ensuring legal and regulatory compliance. We are passionate about our commitment to drive the company’s goals of growth and progress by creating a culture of awareness and proactivity around regulatory matters, and by partnering closely with business units across the enterprise to ensure we deliver maximum value to our shareholders and our customers efficiently and effectively.
Enterprise Risk Management & Risk Oversight (ERM&RO) leads and continuously enhances the enterprise risk management framework across risk stripes to ensure its effectiveness, partnering with business units and control functions to collectively manage risk. We provide independent oversight that enables the enterprise to operate in a safe and sound manner while pursuing its growth objectives. ERM&RO safeguards the company’s long-term resilience, reputation, and stakeholder value by overseeing risk frameworks; strengthening risk culture; aligning risk appetite with strategy; aggregating and reporting risk data; and delivering effective challenge across key decisions. We also lead global regulatory exam management and remediation, drive risk and compliance and financial crimes technology and AI modernization, and advance enterprise transformation initiatives to ensure scalable, compliant, and forward-looking risk management practices.
ResponsibilitiesThe incumbent will work closely with cross-functional stakeholders across Risk, Technology, Data, and Audit.
Support policies, standards, and processes to provide risk data aggregation and reporting capabilities appropriate for the size, complexity, and risk profile of the bank.
Assist in the development of risk reporting business requirements.
Support the operation of centralized consumption layer controls and contribute to the implementation and execution of decentralized controls.
Contribute to the design and implementation of data and technology infrastructure that supports reporting needs and ensures the appropriate capture and reporting of material risks, concentrations, and emerging risks.
Support the execution of a standardized, periodic assessment framework (at least annually) to evaluate the effectiveness of risk reporting systems, tools, and processes, ensuring continuous evolution with changing data sources and regulatory expectations.
Provide independent challenge on adherence of ERM-owned risk management frameworks and programs across the first and second line of defense including Risk Governance, Risk Assessment, and Risk Appetite.
Provide evaluation and assessment of risk decisions and assumptions to ensure adherence with enterprise-wide established policies and guidelines like Oversight Policy, Appetite Policy, etc.
Assist the ERM Framework and Program Adherence team in managing the challenge log and working with stakeholders and response owners to support timely closure.
Collaborate effectively with stakeholders, partners, and IAG to support regulatory compliance activities and contribute to regulatory exams for safety & soundness related regulations.
0 to 2 years of experience in risk management, analytics, or a related discipline
Degree in quantitative field (e.g., Statistics, Computer Science or Economics)
Strong technical and analytical skills with the ability to apply both quantitative methods and business skills to create insights and drive results
Familiarity with BCBS 239 and OCC Heightened Standards
Strong analytical skills, including a proven ability to translate complex and disparate information to develop a comprehensive and cohesive conclusion for colleagues, business partners, and senior leaders
Ability to work independently and across a matrix organization partnering with business partners, functional owners, capabilities, technology teams, and external vendors
Rigorous and analytical approach to problem-solving, decision-making, and prioritization collaboration across teams/geographies
Proactive in identifying issues, delivering and escalating key findings, and advising on recommended solutions to correct issues or mitigate risks
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. 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
- Support for financial-well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- Generous paid parental leave policies (depending on your location)
- 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
Skills Required
- 0 to 2 years of experience in risk management, analytics, or a related discipline
- Degree in a quantitative field (Statistics, Computer Science, Economics)
- Strong technical and analytical skills applying quantitative methods to generate insights
- Familiarity with BCBS 239 and OCC Heightened Standards
- Ability to translate complex and disparate information into cohesive conclusions for senior leaders
- Ability to work independently and across a matrix organization with business partners, technology teams, and vendors
- Rigorous, analytical approach to problem-solving, decision-making, and prioritization
- Proactive in identifying issues, escalating findings, and recommending solutions to mitigate risks
- Ability to be on-site three days per week
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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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.
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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.
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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.
