Senior Manager-Compliance

Position Summary

American Express is seeking a detail oriented and proactive First Line of Defense (1LOD) Regulatory Advisor to support the business in managing compliance risk for consumer card products and Product processes. This role plays a key part in ensuring that day-to-day operations align with regulatory requirements and internal policies, working closely with both business and compliance partners.

The ideal candidate has strong regulatory knowledge, a process mindset, and the ability to translate risk concepts into practical actions.

This role is part of a team that executes a variety of 1LOD compliance activities.

• Advisory:
• Providing business-specific Compliance expertise to the BU
• Review marketing and other customer-facing materials
• Regulatory Change Management:
• Executing impact assessments for regulatory changes impacting the BU and coordinating and implementing changes for the business as required
• New Product Approval:
• Coordinating, executing and providing consultation throughout the BU's NPA, BCRA and FIG process
• Drafting NPA risk assessment and managing disclosures
• Performing mapping of new products by the BU RCSA and controls
• Controls & Issue Management:
• Complaints review activity for the BU
• Implementation and monitoring of new compliance controls for the BU
• Issue Management for the BU, including identifying applicable regulatory Mandates and Requirements
• Reporting, Policies and Procedures:
• Compliance metrics tracking and reporting for the BU
• Owning, drafting, and updating BU Compliance procedures, and communications for Compliance related BU issues

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.

Required

• 5+ years of experience in compliance, risk management, or regulatory control-related roles in financial services.
• Working knowledge of key U.S. banking regulations (e.g., UDAAP, Reg Z, Reg B).
• Experience supporting compliance or operational risk within a business or first line function.

Preferred

• Bachelor's degree in business, finance, law, or a related discipline.
• Compliance or risk certification (e.g., CRCM, CAMS, CCEP).
• Familiarity with issue management, risk assessments, and control testing processes.
• Experience working in a matrixed environment or with cross-functional teams.
• Experience working with Consumer Card Product Management

Skills & Competencies

• Strong attention to detail and critical thinking skills
• Ability to analyze regulatory requirements and apply them in a Consumer Card context
• Effective communication and relationship-building skills
• Proactive, self-motivated, and comfortable managing multiple priorities
• Sound judgment and problem-solving capabilities

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

Key Responsibilities

• Act as a regulatory risk advisor to front-line business teams, helping them understand and comply with applicable regulatory obligations.
• Support the execution of compliance risk assessments and ongoing monitoring activities within the business unit.
• Partner with operations, product, and technology teams to design and enhance controls that mitigate regulatory risks.
• Monitor business activities for compliance with laws, regulations, and internal standards (e.g., UDAAP, Reg B, SCRA/MLA, Reg Z).
• Track regulatory issues and regulatory control gaps identified through monitoring, audits, or regulatory exams.
• Maintain and update business-level compliance documentation, including procedures, control descriptions, and training materials.
• Collaborate with second line Compliance and Legal teams on policy interpretation, regulatory change implementation, and incident response.
• Support compliance testing, audit readiness, and business responses to regulatory inquiries and examinations.
• Assist with delivery of regulatory-related training to business staff.
• Contribute to reporting of compliance metrics and trends to business leadership.

Key Responsibilities

• Act as a regulatory risk advisor to front-line business teams, helping them understand and comply with applicable regulatory obligations.
• Support the execution of compliance risk assessments and ongoing monitoring activities within the business unit.
• Partner with operations, product, and technology teams to design and enhance controls that mitigate regulatory risks.
• Monitor business activities for compliance with laws, regulations, and internal standards (e.g., UDAAP, Reg B, SCRA/MLA, Reg Z).
• Track regulatory issues and regulatory control gaps identified through monitoring, audits, or regulatory exams.
• Maintain and update business-level compliance documentation, including procedures, control descriptions, and training materials.
• Collaborate with second line Compliance and Legal teams on policy interpretation, regulatory change implementation, and incident response.
• Support compliance testing, audit readiness, and business responses to regulatory inquiries and examinations.
• Assist with delivery of regulatory-related training to business staff.
• Contribute to reporting of compliance metrics and trends to business leadership.

Skills

Banking Regulations, Business Support, Change Management, Communication Skills, Cross-Functional, Customer Relations, Customer Support/Service, Detail Oriented, Documentation, Financial Regulations, Financial Services, Incident Response, Interpret Regulations, Leadership, Legal, Maintain Compliance, Marketing, Metrics, Multitasking, Operational Support, Order Delivery, Policy Implementation, Problem Solving Skills, Quality Assurance Methodology, Regulations, Regulatory Compliance, Regulatory Requirements, Requirements Management, Risk, Risk Analysis, Risk Management, Testing, Trend Analysis

About the Company

American Express Co