This position will cover regulatory area, such as Installment Sales Law, Payment Services Act, Act against Unjustifiable Premiums and Misleading Representations, Privacy and Data Protection, conduct risk, and third party due diligence through Regulatory Change Management program, New Product Assessment, Compliance Risk Assessment, Operational Risk Event review, compliance oversight on key regulatory risks, providing advisory service to the business, supporting business projects as an SME, developing relevant compliance policies/procedures, providing training and enhancing compliance awareness and culture.
This position report to senior manager of Business Advisory Team. This is a great opportunity to work in an international environment that provides career opportunities in a broad scope, offering great benefit and flexibility, and work-life balance.
Success factors for this position: include an in-depth understanding of credit card regulatory requirements and operational processes to be able to provide effective advice to the key stakeholders; extensive experience in regulatory compliance; skills to manage multiple tasks and time management; eager to learn and develop professionally; and interest and skills to deal with overseas stakeholders.
Responsibilities- Monitor regulatory changes, keep up-to-date with significant regulatory developments, evaluate necessary compliance actions and support the business to respond to regulatory changes.
- Assess compliance risk analyzing the inherent risk and control effectiveness of each risk taxonomy.
- Participate in both Japan and global projects on behalf of Compliance, providing reviews and compliance advisory as needed partnering with Legal Team and the Business functions to meet both enterprise and local compliance requirements.
- Develop and maintain up-to-date local compliance policies & procedures, and training materials by effectively incorporating necessary local regulatory requirements. Also, review/assess marketing and servicing material created by Business functions, customer complaints, and third party control.
- Develop and conduct reviews of various metrics and reports as part of the compliance oversight responsibility, in addition to conduct monitoring and testing activities.
- Minimum 3 years of experience in regulatory compliance, legal, internal audit, or operational risk in Japan.
- Self-motivated, energetic, collaborative team player with proven ability to work effectively in a matrix international organization and across all levels of management.
- Strong understanding of internal controls and business/operation processes for retail consumer financial services or credit card business or payment industry.
- Proven leadership skills, able to collaborate with both compliance and other departments, effectively influence stakeholders and deliver desired outcome. Experience in organizing projects involving various stakeholders is a plus.
- Business level English preferred. Experience working in a multi-national company is a plus.
- Native-level proficiency in Japanese (reading, writing, and speaking)
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
- Minimum 3 years of experience in regulatory compliance, legal, internal audit, or operational risk in Japan
- Strong understanding of internal controls and business processes for retail consumer financial services
- Proven leadership skills and experience in organizing projects with various stakeholders
- Business level English proficiency
- Native-level proficiency in Japanese (reading, writing, and speaking)
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.
