This position will be a key member of the American Express Global Commercial Services (GCS) Line of Business Compliance Team, primarily supporting Small Business Card products. The successful candidate will provide second line of defense compliance oversight for this core area of the GCS business. The compliance efforts for this position will oversee and identify compliance risks related to new/modified U.S. Small Business products, benefits, and reward programs through effective oversight and challenge of product design proposals, marketing approaches and assets (claims/disclosures/guidelines), customer communications, digital experiences, and product servicing processes. This position will also be an integral part in performing second line effective challenge of Risk & Control Self-Assessments and deliverables related to Compliance Program requirements including periodic Compliance Risk Assessment, Regulatory Change Management, and Issue Management.
Responsibilities- Providing 2nd line effective challenge of business proposals with a focus on regulatory and compliance risk.
- Supporting implementation of policy and regulatory requirements in the areas of UDAP, Fair Lending, Third Party guidance, Accessibility, Privacy, general credit card practices, general banking, and other relevant federal, state and local regulations.
- Analyzing new and/or enhanced products and services as part of the New Product Development process to assess compliance risks, new/enhanced controls, and ensure adherence with regulatory requirements.
- Reviewing and providing effective challenge to the business on marketing and advertising material including required disclosures.
- Reviewing and providing effective challenge of Compliance Issues, Risk Events, and Customer Remediation for timely closure of gaps where required.
- Participating in the Compliance Risk Assessment process to ensure that the appropriate risks are identified and that the strength of the control environment is evaluated in accordance with Compliance Program standards.
- Liaising as required with the relevant stakeholders, including but not limited to: General Counsel’s Organization, other Compliance teams, Independent Compliance Testing team, Control Management, Internal Audit, Financial Crimes Compliance, and Privacy Office.
- Evaluating third-party compliance risk and control environment for vendors contracted to perform product related services on behalf of American Express.
- Assisting in preparation for regulatory inquiries and examinations.
- Additional responsibilities based on team needs.
- Experience in Compliance within the financial services industry.
- Strong regulatory knowledge of the financial regulations applicable to U.S. credit card products and commercial lending including UDAP, Privacy, Fair Lending, sales and marketing practices, and other relevant banking laws/regulations.
- Prior credit card industry, compliance, legal, or risk experience is a plus.
- In-depth knowledge and understanding of compliance risk management practices and methodologies, including risk and control assessments.
- Proven ability to build rapport, garner respect and appropriately exercise authority in a collaborative environment.
- Highly effective communication skills and professional maturity/confidence to present and influence direction on complex processes, risks, and controls with management within Compliance and with the first line of defense teams.
- The ability to multi-task and prioritize in a highly deadline-intensive environment is required.
- Excellent written, verbal, research, analytical, and interpersonal skills.
- Bachelor’s Degree required; advanced degree preferred.
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
- Experience in compliance within the financial services industry
- Strong regulatory knowledge of U.S. credit card and commercial lending law (UDAP, Privacy, Fair Lending, sales and marketing practices)
- In-depth knowledge of compliance risk management practices and risk/control assessments
- Experience reviewing and challenging marketing, disclosures, customer communications, and product design for compliance
- Proven ability to build rapport, influence stakeholders, and exercise authority in collaborative environments
- Highly effective written and verbal communication, research, analytical, and interpersonal skills
- Ability to multi-task and prioritize in a deadline-intensive environment
- Bachelor's degree
- Advanced degree
- Prior credit card industry, compliance, legal, or risk experience
- Employment eligibility to work in the United States (no visa sponsorship offered)
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.
