Manager, U.S. Consumer Credit Card Compliance
This position will play a critical role within the Second Line of Defense Compliance team supporting the U.S. Consumer Cards, with a high focus on Co-Brand card portfolios and will be responsible for providing advisory and compliance oversight for this area. The position will provide strategic support to help drive innovation for the business while building an effective framework for compliance with applicable laws and regulations for U.S. Consumer Co Brand products, features, and processes. Focus will be dedicated to Co Brand product development, review of marketing strategies, marketing and training content, testing strategies, risk management initiatives including issue management, process controls, customer-facing journeys and communications, complaints and third-party mystery shopping.
Responsibilities- Provide Compliance Oversight to First Line of Defense USCS Card business stakeholders on regulatory requirements applicable to projects including new product launches. This includes providing effective challenges to business stakeholders while also interacting effectively with them and other support units to ensure proper communication across organizational lines.
- Review and effectively challenge marketing campaign strategies and advertising (audio/visual) materials and serve as Compliance subject matter expert on applicability of consumer protection laws including but not limited to Truth in Lending, UDAAP and Fair Lending.
- Research laws, regulations, American Express National Bank and Enterprise level policies and procedures to provide guidance to business partners regarding regulatory requirements.
- Support new initiatives through the New Product Approval (NPA) governance (and other similar governance processes) and integration of effective controls, testing & ongoing monitoring into new and existing processes.
- Effectively support the Bank’s Issue Management framework processes and policies to ensure timely closure of gaps, customer remediation and other milestones, where required.
- Support our business stakeholders by providing effective challenges when required, helping them reach their goals while meeting their regulatory obligations.
- Serve as a backup for fellow Compliance Managers within the team during leaves and special assignments.
- Keep abreast of U.S. consumer regulations and trends for potential impact to Compliance risk assessments.
- Must possess a proficient knowledge of U.S Consumer open-end credit laws and regulations and banking regulations governing credit card activities and their impact on Bank’s products, operations, and services.
- Ability to research, assess and determine regulatory impact to business initiatives and influence decisions accordingly.
- Strong leadership skills and proven ability to communicate and collaborate effectively at all levels of the organization; including the ability to influence others to achieve desired results.
- Strong interpersonal skills to support business partners and proven ability to develop and grow relationships.
- Ability to identify and effectively communicate compliance risks and requirements to all levels of staff and management and assess the efficacy of business proposed mitigants.
- Demonstrated ability to make decisions independently, work well under pressure, meeting deadlines and handle multiple tasks while prioritizing work in a highly deadline-intensive environment.
- Excellent written and verbal communication skills.
- Prior credit card industry, compliance, legal or risk experience, strongly preferred.
- Minimum Academic Requirements: Bachelor’s Degree strongly 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
- Proficient knowledge of U.S Consumer open-end credit laws and regulations
- Ability to research and assess regulatory impacts
- Strong leadership and communication skills
- Interpersonal skills to develop relationships
- Ability to communicate compliance risks effectively
- Decision-making and multitasking skills under pressure
- Excellent written and verbal communication skills
- Prior credit card industry experience strongly preferred
- Bachelor's Degree strongly preferred
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.
