Senior Manager of Process Risk Reduction

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 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?

The U.S. Consumer Services (USCS) Team is responsible for our suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, U.S. Consumer Banking, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day.

Within USCS, Control Management Process Risk Reduction team is responsible for strengthening the control environment and proactively reducing operational risk across our products, processes, and customer experiences. The team partners closely with business and technology leaders to identify key risk drivers, enhance processes and controls, and deliver sustainable solutions that support effective risk management while enabling continued business growth.

We are seeking a Senior Manager of Process Risk Reduction to lead high-impact initiatives that strengthen the control environment and reduce operational risk across critical processes and products. This role will drive meaningful, cross-functional change by partnering with business, technology, and control teams to implement sustainable process and control improvements. It offers a unique opportunity to own complex work, influence outcomes, and deliver measurable impact across a dynamic and innovative organization.

Key Responsibilities:

• Lead end-to-end transformation initiatives to remediate high-risk areas, driving cross-functional execution across business, technology, and control teams to deliver sustainable process and control improvements and measurable risk reduction
• Identify and quantify systemic risk drivers across processes and products, leveraging issues, operational risk events, testing outcomes, and business data to target interventions with the greatest impact
• Conduct deep root cause analysis of recurring and high-severity issues, ensuring remediation actions address underlying drivers and prevent recurrence
• Partner with business and technology leaders to redesign processes and enhance control frameworks, emphasizing preventive, automated, and scalable solutions
• Establish and enforce standards for remediation effectiveness and sustainability, including validation of control enhancements and confirmation that risk reduction outcomes are durable
• Drive resolution of thematic control and process gaps, scaling solutions across products and processes
• Provide data-driven insights and recommendations to leadership on risk reduction priorities, progress, and emerging vulnerabilities to influence decision-making and resource allocation

Minimum Qualifications:

• 4+ years of experience in operational risk, control management, internal audit, or process transformation, with a solid understanding of the operational risk management lifecycle (e.g., RCSA, control testing, issue management, remediation)
• Experience executing cross-functional initiatives or projects, with demonstrated ability to deliver process improvements or control enhancements
• Strong root cause analysis capabilities, with the ability to identify underlying drivers of risk and translate findings into actionable remediation steps
• Ability to influence and collaborate across matrixed teams without direct authority, partnering effectively with business, technology, and risk stakeholders
• Strong analytical and problem-solving skills, with the ability to interpret data, identify trends, and support risk-based decision-making
• Experience working with process governance and control frameworks, including alignment to internal policies and regulatory expectations
• Strong communication and stakeholder management skills, with the ability to present insights clearly and concisely
• Learning agility

Preferred Qualifications:

• Bachelor’s degree in Finance, Business, Risk Management, Engineering, or related field; advanced degrees or certifications are a plus
• Experience in one or more of the following:
  • Executing process risk reduction or control uplift initiatives
  • Conducting root cause analyses
  • Supporting issue remediation and validation activities
  • Enhancing processes or controls to improve risk mitigation
• Experience leveraging data and analytics to support risk identification and prioritization, including use of dashboards or reporting tools
• Exposure to AI or advanced analytics tools (e.g., pattern detection, GenAI applications) to support analysis or process improvement
• Experience in financial services or a highly regulated industry

Salary Range: $103,750.00 to $174,750.00 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.