The U.S. Consumer Services Team is responsible for our suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, U.S. Consumer Banking, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day.
US Consumer Services is looking for a Director of Risk ID and Assessment to lead a diverse team of high-performing professionals focused on ensuring control management is embedded in the day-to-day operations of our organization. This role will also play a key part in advancing the modernization of risk management practices, including leveraging AI and advanced analytics to enhance risk identification and assessment. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.
The objective of the US Consumer Services Control Management Risk ID, Assessment, Testing and Reporting team is to identify, assess, mitigate, and report on Operational Risk within BU processes for US Consumer Services to ensure adherence to regulatory standards, Amex policy and enhance the BU's resilience through managing a clear methodology of inherent and residual risk.
ResponsibilitiesThe Director, US Consumer Services Risk ID & Assessment, Travel & Lifestyle Services (TLS), Global Lounge Network (Lounge), and US Insurance (Insurance) will:
- Provide and support identification of risks throughout business processes and systems (along with business process owners)
- Facilitate BUs in their risk assessments performance (e.g., Risk & Control Self Assessments (RCSAs)) in addition to further assessments and testing / QA programs to ensure regulatory and internal standards are met (e.g., periodic RCSA reviews and update assessment criteria to align with regulatory updates)
- Lead control monitoring (supplemental to BU process owners testing) and proactively communicate key OR trends, activities, and events to senior management, to facilitate informed decision-making
- Proactively identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing
- Compile thematic risk reporting (levels, trends, causes) to provide actionable insights to BU on current risk levels, emerging trends and root causes
- Categorize controls and map against risks and processes (e.g., cross-BU process-control mapping)
- Support BU with identification of risks and spotting areas where product changes or improved controls may be required within New Product Governance (NPG)
- Champion risk management practices within the business
- Develop risk profiles and maintain an updated risk register(s)
- Be a key leader for sharing insights, better practices, themes, etc. across the enterprise
Required Qualifications:
- 6+ Years experience in operational risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities
- Deep understanding of state-level regulatory frameworks (e.g., insurance, travel services) and demonstrated ability to translate legal requirements into effective operational risk controls
- Demonstrated ability to leverage AI and advanced analytics to modernize operational risk management practices, enhancing risk identification, monitoring, and control effectiveness.
- Excellent project management, communication, and interpersonal skills, with an ability to interact and obtain buy-in from senior BU/tech counterparts.
- Expertise in process governance, with a track record of establishing and overseeing robust decision-making processes that align with policies, regulatory frameworks, and/or operational standards.
- Experience within financial services industry.
- Strong analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively.
- Demonstrated history and ability to manage large teams, spread over geographies and with varying backgrounds.
Preferred Qualifications:
- Bachelor’s degree in finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous.
- Experience in at least one of the following:
- Providing identification of operational risks throughout business processes and systems
- Facilitating risk assessment performance in addition to further assessments and testing programs to ensure regulatory and internal standards are met
- Enhancing risk assessments and associated methodologies
- Leading independent control monitoring, including identification of control improvements
- Identifying areas of risk for intervention, including conducting independent quality assurance and process testing
Compiling thematic risk reporting to provide actionable insights on risk levels, emerging trends and root causes
Employment eligibility to work with American Express in the U.S. 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
- 6+ years experience in operational risk management, Risk and/or Internal Audit
- Deep understanding of state-level regulatory frameworks
- Demonstrated ability to leverage AI and advanced analytics
- Excellent project management, communication, and interpersonal skills
- Expertise in process governance
- Experience within financial services industry
- Strong analytical and problem-solving skills
- Demonstrated history of managing large teams
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.
