This position will be a key member of U.S. Commercial Compliance team as Line of Business Compliance Officer with primary oversight of U.S. Corporate Card Programs including Travel and Entertainment, @Work Program Management Platform, Corporate Membership Rewards and Spend Enablement. 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 include assessing compliance risks associated with GCS centrally billed products, expense management partner solutions, and related capabilities, features, and product enhancements. Responsibilities also include reviewing marketing claims and disclosures, training materials, and other business-owned content to ensure alignment with applicable regulatory requirements and enterprise standards.

Responsibilities

• Provide effective challenge with GCS Central Bill Solutions business stakeholders on compliance/regulatory requirements applicable to card, program management, capabilities, and card program features.
• 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),  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, 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.

Qualifications

• Deep regulatory knowledge of the financial regulations applicable to U.S. banking, credit card and deposit products, 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.

Education Requirement:

• 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.

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.