This position will be a key member of U.S. Commercial Compliance team as Line of Business Compliance Officer with primary oversight of payment products, partners, services and platforms within the American Express business product suite. The position provides independent compliance oversight and second-line effective challenge to ensure the business is building, enhancing, and maintaining an effective framework for compliance with applicable internal policies, laws and regulations. Areas of responsibility will include assessment of compliance risk primarily associated with complex digital ecosystems for business clients integrating card, program and payment management, including product uplifts/changes and features, review of marketing claims and disclosures, training, and other business-owned content.
Responsibilities- Provide effective challenge with GCS B2B Payments business stakeholders on compliance/regulatory requirements applicable to various partnerships and B2B payment offerings.
- Review and evaluate marketing, advertising materials, digital capabilities, customer journeys and required disclosures for adherence to applicable laws including but not limited to Unfair or Deceptive Acts or Practices (UDAP), Equal Credit Opportunity Act (Reg B), consumer protection, Privacy, ADA accessibility, Anti-Money Laundering/Know Your Customer, Sanctions, and all other applicable federal and state regulations.
- Support an effective Compliance program including Compliance Risk Assessment (CRA), Regulatory Change and Inventory Management (RCIM), and provide oversight and challenge on business owned Key Risk Indicators (KRIs) and Regulatory Business Self Testing (RBST).
- Effectively identify and challenge Compliance Issues to ensure timely creation or enhancement of controls, closure of gaps, and customer remediation where required.
- Collaborate as required with relevant stakeholders, including but not limited to: Internal Audit, Independent Compliance Testing team, Product, General Counsel’s Organization, Operational Risk, Control Management, Financial Crimes Compliance, and Privacy Office.
- Assist in preparation for regulatory inquiries and examinations.
- Additional responsibilities based on team needs.
- Deep regulatory knowledge of the financial regulations applicable to U.S. banking, consumer protection, credit card products, digital banking and payment management platforms including UDAP, Reg B, Privacy, ADA accessibility, and financial crimes regulations.
- In-depth knowledge and understanding of compliance risk management practices and methodologies, including risk and control assessments.
- Strong relationship and leadership skills with proven ability to communicate and collaborate effectively at all levels of the organization.
Demonstrated ability to make decisions independently, work well under pressure, meet deadlines and adapt easily to frequent change.
- Understanding of regulatory expectations and experience preparing for meetings with regulators and regulatory exams.
- Proven ability to build rapport, garner respect and appropriately exercise authority in a collaborative environment.
- Prior expense management, fintech, banking industry, compliance, legal or risk experience is a plus.
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
- Deep regulatory knowledge of U.S. banking and consumer protection regulations (UDAP, Reg B), Privacy, ADA accessibility, AML/KYC, and Sanctions.
- In-depth knowledge of compliance risk management practices and methodologies, including risk and control assessments.
- Experience reviewing marketing, advertising, digital capabilities, customer journeys, and disclosures for legal and regulatory adherence.
- Proven ability to provide effective challenge to business stakeholders and collaborate with internal partners (Legal, Audit, Risk, Privacy, Financial Crimes).
- Experience preparing for and supporting regulatory inquiries and examinations.
- Strong relationship, leadership, decision-making, and communication skills; ability to work under pressure and meet deadlines.
- Bachelor's degree.
- Advanced degree.
- Prior expense management, fintech, banking industry, compliance, legal, or risk experience.
- Employment eligibility to work in the United States (employer will not sponsor visas).
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.
