Mgr-Compliance

This position will be a key member of U.S. Commercial Compliance team as Line of Business Compliance Officer with primary oversight of the acquired expense management platform and its integration within the American Express commercial product offerings. 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 associated with a digital ecosystem for Corporate clients, integrating Card, Program and Expense Management, including product uplifts/changes and features, review of marketing claims and disclosures, training, and other business-owned content.

• Lead the engagement and effective challenge with GCS Marketing business stakeholders on compliance/regulatory requirements applicable to marketing projects and strategies.

• Review marketing, campaign strategies, and advertising materials for adherence to applicable laws including but not limited to Unfair or Deceptive Acts or Practices (UDAP), Truth in Lending (Reg Z), Equal Credit Opportunity Act (Reg B), privacy, 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.
• Liaise as required with the relevant stakeholders, including but not limited to: Internal Audit, Independent Compliance Testing team, General Counsels 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 and credit card products including UDAP, Fair Lending, Regulation Z.
• 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 regulator meetings and examinations.
• Proven ability to build rapport, garner respect and appropriately exercise authority in a collaborative environment.
• Prior credit card industry, compliance, legal or risk experience is a plus.
• Bachelors 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.