At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviours, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you’ll experience this 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. 

How will you make an impact in this role?

This position will be a leader within the Global Compliance & Ethics organization, responsible for administering a comprehensive regulatory compliance program for International Credit and Fraud Risk (CFR). The successful candidate will be responsible for providing compliance oversight for the business while aligning with applicable laws and regulations relevant to over twenty international markets. This position will have a particular focus on regulatory change management, identifying and evaluating compliance risk, providing credible challenge and holding the business accountable for their activities, as well as oversight of controls, monitoring and testing.

Specific responsibilities will include, but are not limited to, the following:

• Possess knowledge of applicable policy and regulatory requirements as related to CFR and processes, including Consumer Protection, Privacy, AI Regulations, and Fair Lending principles.
• Review and provide oversight on activities related to compliance risk management and strategies in all aspects of the credit lifecycle, both for Card and non-Card lending, for Consumer and Commercial lines of business s from underwriting, eligibility criteria, spend limits, and any issue management.
• Active participation in CFR meetings to provide credible challenge with respect to new, existing, and changing products, services and capabilities to confirm that appropriate compliance processes and controls are put in place to mitigate compliance risk.
• Manage a team of Compliance professionals to execute all aspects of CFR international compliance program, including policies, issue management, oversight of Compliance monitoring and testing.
• Effectively collaborate and maintain strong relationships with colleagues across GCE, second line oversight teams in Global Risk & Compliance organization, key subject matter experts such as GCO, and other stakeholders across the Blue Box.
• Effectively manage the Compliance Issue Management process and ensure appropriate decisioning of Compliance issues, timely closure of gaps and customer remediation where required.
• Coordinate the Compliance Risk Assessment, which includes the review of legal inventories, ensuring all applicable laws and regulations are mapped to the applicable business units, the creation of assessment points, assess the strength of and provide oversight of the control environment, communication of results to business colleagues, review creation of action plans and follow up on closing identified gaps.
• Actively support the implementation of new first line of defense testing and enhancement of existing tests. Review quarterly first line of defense test results and follow up on associated action plans.

Minimum Qualifications:

• Knowledge of, ideally proficient in, international open-end credit laws and regulations, including consumer protection, fair lending, privacy, fair debt collection practices and their applicability to CFR and American Express products and services.
• Ability to research, assess and determine regulatory impact to business systems, processes and initiatives and influence decisions accordingly.
• Excellent collaboration and teamwork skills and ability to work well in cross-functional team settings in a fast-paced environment to drive business results, utilizing related project management skills, employing creative thinking, and the ability to work on competing priorities, adapting easily to frequent change.
• Effective verbal and written communication skills, including the ability to persuade and influence a broad spectrum of constituents at all levels.
• Strong interpersonal skills and ability to effectively interact at all levels within the organization and with external counterparties.
• Ability to understand and integrate details of business operational/systemic environment in applying legal and policy requirements.
• Self-motivated, with a high level of personal energy and commitment.

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

We 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.