Manager-Consumer Practices Compliance

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. 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 we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

Global Compliance and Ethics (GCE), is responsible for establishing and maintaining a robust compliance program that ensures American Express is adhering to laws, regulations, and internal policies while fostering a culture of integrity and effective second line independent Compliance oversight.

This position is a key member of the Consumer Practices Advisory Team (CPAT) within Global Risk & Compliance. CPAT is responsible for administering a comprehensive UDAAP/UDAP regulatory compliance Program. CPAT is responsible for business process and product reviews, calculating and tracking metrics, managing relationships with business units and other activities in support of the UDAAP/UDAP Program. The Program helps ensure all products and services available to customers are free from unfair, deceptive or abusive acts or practices. This position will ensure that compliance risks are adequately identified, assessed, monitored and controlled.

How will you make an impact in this role?

The Manager of Consumer Practices Compliance is responsible for assisting in executing the overall Consumer Practices Program for American Express National Bank (“Bank”) and across the enterprise. The main responsibilities of the Manager, Consumer Practices will be to:

• Manage collaborative relationships with Compliance and business colleagues to understand business unit operations and ensure Program standards are met
• Execute consumer practices review, analyze data and procedures, asses potential UDAAP/UDAP risk, communicate potential Risks effectively
• Assist in the execution of the Consumer Practices Risk Assessment
• Assess the business’ initiatives for UDAAP/UDAP risks through the New Product Approval process
• Present training materials and provide guidance as appropriate
• Recommend revisions to the Program’s procedures and standards for review and support automation
• Provide assistance during examinations of Consumer Practices Programs in preparing responses to examination- or supervisory-related requests.

Minimum Qualifications

• Bachelor’s Degree required
• 4-5 years of demonstrated consumer financial services experience in a compliance, legal, audit or risk role
• Substantive knowledge of UDAP/UDAAP and consumer financial services requirements
• Knowledge of risk assessment methodology, compliance monitoring, reviewing products, developing findings, and metrics-based reporting
• Ability to develop and clearly communicate results of analysis, orally and in writing
• Ability to effectively persuade colleagues at all levels
• Strong computer knowledge required; excellent MS Office skills required; proficiency with other software, including communication, compliance data/analytical systems is strongly preferred.

Preferred Qualifications

• Advanced degree is strongly preferred
• Top candidate is self-motivated; dependable; adaptable; detail-oriented; and able to manage multiple priorities, work within a team environment and independently drive results
• Certified Regulatory Compliance Manager (CRCM) Certification

Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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