EMEA Regulatory Compliance Financial Crimes Analyst (Regulatory assessment) – EMEA Regional Financial Crimes Compliance Organization
The Global Risk & Compliance (GRC) organization serves as American Express’ independent risk management function. GRC maintains the enterprise risk framework, provides oversight and challenge, and monitors key risks. By embedding risk discipline into strategy and operations, GRC enables responsible growth, innovation, and long-term value creation while protecting customers and shareholders.
We are looking for a motivated Compliance Analyst with experience in the management and oversight of AML/CFT Regulatory Projects and AML Regulatory analysis who will be part of the EMEA Regulatory Compliance Team within the EMEA Regional Financial Crimes Compliance Organization.
In this role, you will have the opportunity to contribute to workstreams engaging various compliance teams in the EMEA markets and international markets, gaining regular exposure to senior stakeholders across the organization.
This role will report to the EMEA Regional Financial Crimes Regulatory Compliance Manager and will be primarily focused on assessing the EU-level AML/CFT regulatory landscape and on related regulatory compliance design of AML solutions in the EMEA region.
As Compliance Analyst, you will support GFCC leaders in the main aspects related to the assessment of AML requirements at regional and local level as well as in the impact analysis of EU AML Package, EU Single Rulebook, Implementing acts and Guidelines, contributing regulatory expertise to ensure consistency on AML/CFT Compliance across EMEA.
ResponsibilitiesMain Areas of Focus:
Regulatory Assessment: perform proactive mapping (horizon scanning) and preliminary assessment of Regional AML/CFT requirements, focusing on the EU AML Package.
Support the Regulatory Compliance Manager on the identification and assessment of applicable AML/CFT requirements arising from EU-led regulatory initiatives.
Requirements mapping and consolidation: analysis and consolidation of the AML/CFT requirements foreseen on the AML Package (and implementing acts such as RTSs, ITS, etc.) in proper deliverables facilitating the understanding and the identification of the mandates with a common approach at regional level. Collaboration on impact assessment in close partnership with GCO colleagues.
Collaborate on the functional design of the solutions to be implemented as well as facilitate the final Market AML/CFT teams validation of the identified solutions.
Contribute on the creation of a standard approach to ensure consistency across EMEA on AML/CFT program management, in line with enterprise baselines and initiatives.
Interact with relevant stakeholders to optimize the AML/CFT related processes and performing oversight on the progresses on the implementation of the already identified enhancement needed.
Ensure a proper tracking of the Market AML Teams feedbacks and inputs, facilitating also the harmonization across the countries involved in various projects and initiatives.
Prepare and maintain dashboards to keep track of progress made on any regulatory impact assessment. Draft materials for AML Committees and other Forums as required.
Minimum Qualifications:
Financial/Payments services related experience for +4 years.
Knowledge of the Regional AML/CFT Framework, including the EU AML Package, EU Single Rulebook, Implementing acts and Guidelines.
Experience in payments industry regulatory project management is desirable and familiarity with one or more of the following areas would be helpful: payment services and payment schemes.
Knowledge of regulatory AML/CFT risks in the EMEA markets.
Strong consultation, communication, facilitation, and presentations skills.
Ability to communicate in a timely and transparent manner, keeping everyone involved informed of progresses and issues.
Strong analytical skills and an innovative approach to solving both practical and theoretical problems.
Intellectual curiosity, adaptability in a dynamic environment, and ability to reinvent processes and infrastructure.
Ability to build strong working relationships, operate in large cross-functional teams, and influence colleagues to drive change.
Ability to communicate and interact effectively with all levels in the organization as well as with external partners.
Fluency in English; additional language skills will be considered as a bonus.
Preferred Qualifications:
Professional certifications such as CAMS, ICA, or equivalent.
Familiarity with regulatory technology (RegTech) tools.
Employment eligibility to work with American Express in Spain is required as the company will not pursue visa sponsorship for these positions.
About Us
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
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
- At least 4 years of experience in financial or payments services
- Knowledge of regional AML/CFT frameworks, including the EU AML Package, EU Single Rulebook, implementing acts, and guidelines
- Knowledge of AML/CFT regulatory risks in EMEA markets
- Strong consultation, communication, facilitation, presentation, and analytical skills
- Ability to work in cross-functional teams and influence stakeholders to drive change
- Fluency in English
- Experience in payments-industry regulatory project management
- Familiarity with payment services and payment schemes
- CAMS, ICA, or equivalent professional certification
- Familiarity with regulatory technology tools
- Additional language skills
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 — Health coverage and wellness resources are broad, combining comprehensive medical, dental, and vision with mental-health support and virtual care. These offerings are cited as a core strength of the overall package.
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Parental & Family Support — Paid parental leave for all parents, backup childcare, eldercare support, and adoption or fertility assistance create a family-forward package. These resources are viewed as generous and practical for caregivers.
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Retirement Support — A competitive 401(k) match alongside options like profit sharing, stock bonuses, and pension or retirement savings plans strengthens long-term security. Retirement programs are positioned as a meaningful complement to base pay.
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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