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Company Description About Veolia North America A subsidiary of Veolia group, Veolia North America (VNA) is the top-ranked environmental company in the United States for three consecutive years, and the country's largest private water operator and technology provider as well as hazardous waste and pollution treatment leader. It offers a full spectrum of water, waste, and energy management services, including water and wastewater treatment, commercial and hazardous waste collection and disposal, energy consulting and resource recovery. VNA helps commercial, industrial, healthcare, higher education, and municipality customers throughout North America. Headquartered in Boston, Massachusetts, Veolia North America has more than 10,000 employees working at more than 350 locations across the continent. <a href="http://www.veolianorthamerica.com" target="_blank">www.veolianorthamerica.com</a> Job Description Pay Rate: $20.00 to $24.00 per hour. Position Purpose: Internships at Veolia: Gain hands-on experience in at least one career function from Corporate, Engineering, Maintenance, Manufacturing, Operations, Sales, Supply Chain or Technology. Primary Duties/Responsibilities: <ul><li>Gather and document business requirements.</li><li>Assist in process mapping and workflow analysis.</li><li>Help create user stories and use cases.</li><li>Support data analysis and reporting.</li><li>Participate in stakeholder meetings.</li></ul> Work Environment: <ul><li>Environments vary by internship function from office to field to plant.</li><li>Our aim is to provide tangible industry job experience to each intern.</li></ul> Qualifications Education/Experience/Background: <ul><li>High School Diploma/GED is required.</li><li>Working towards a four-year degree in Computer Science, Data Science, or a related major.</li></ul> Knowledge/Skills/Abilities: <ul><li>Basic understanding of business analysis concepts.</li><li>Strong analytical and critical thinking.</li><li>Excel and data analysis capabilities.</li><li>Clear written and verbal communication.</li><li>Basic SQL knowledge.</li><li>Documentation skills.</li><li>Understanding of process modeling tools.</li><li>Strong communication skills, including written, verbal, listening, presentation and facilitation skills.</li><li>Demonstrated ability to build collaborative relationships</li></ul> Additional Information We are an Equal Opportunity Employer! All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. Disclaimer: The salary, other compensation, and benefits information is accurate as of the date of this posting. The Company reserves the right to modify this information at any time, subject to applicable law.

Intern - Junior Business Analyst

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let's lead the way together.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.How will you make an impact in this role?The Enterprise Risk Management &amp; Risk Oversight (ERM&amp;RO) organization within Global Risk and Compliance (a Second Line of Defense function) is responsible for identifying and managing risk across all business units, functions, processes, and geographies at American Express. The ERM Framework, Governance and Reporting team within ERM&amp;RO provides an independent view of risks faced by American Express and is responsible for aggregating the risk profile for the Company. The team is focused on key risk management activities, including but not limited to, risk identification and assessment, risk appetite, effective challenge, and committee governance and reporting.These responsibilities span the AXP Bank Holding Company as well as the subsidiary US Bank (American Express National Bank).The Director of Risk Identification, Assessment and Concentration Risk is responsible for the identification and assessment of risks facing the Company. Specific responsibilities for the Director of Risk Identification, Assessment and Concentration Risk include:<ul><li>Assist with the design, implementation and ongoing maintenance of the Risk Identification and Assessment Policy and the Concentration Risk Policy</li><li>Coordinate periodic and ad hoc refreshes of the Company’s material, top and emerging risks inventories, and annual refreshes of the Company’s risk taxonomy</li><li>Ensure effective reporting of the Company’s aggregate risk profile to senior risk governance fora</li><li>Support Treasury to ensure that the Company’s material risks are appropriately incorporated into CCAR Scenario Design</li><li>Identify, assess, monitor and report the Company’s concentration risk exposures at the Enterprise level, and oversee the implementation of related risk controls as appropriate</li><li>Provide effective challenge to Second- and First-Line ongoing implementation of the Risk Identification and Assessment Policy and the Concentration Risk Policy</li><li>Supervise junior team members</li></ul>Minimum Qualifications<ul><li>Bachelor's degree in finance, economics, business administration, or related field</li><li>Minimum 8 years of experience in enterprise risk management, or similar risk management discipline, within the financial services industry</li><li>Strong understanding of financial markets, products, and regulatory requirements impacting risk management</li><li>Proven track record of designing and implementing enterprise-wide risk management frameworks and methodologies</li><li>Excellent communication, collaboration and writing skills. Able to manage stakeholders in the First- and Second- Lines of Defense at all levels</li><li>Proven ability to translate complex and disparate information into comprehensive and cohesive messaging for senior leadership</li><li>Strategic thinker with the ability to anticipate and mitigate risks while driving business growth and innovation</li><li>Strong leadership skills with demonstrated ability to see the big picture, connect the dots and anticipate problems</li></ul>Preferred Qualifications<ul><li>Professional certifications such as FRM, PRM, or CRM are highly desirable</li></ul>Salary Range: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.*Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

American Express

Director-Risk Management; Identification & Assessment

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let's lead the way together.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.How will you make an impact in this role?The Enterprise Data Strategy team, in Credit and Fraud Risk Management (CFR) is responsible for optimizing risk decisions through the lifecycle by exploring, evaluating, testing and integrating internal data with external data assets. The team also manages data, strategy, and relationships with key third party data providers to support risk products in new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm. The Senior Manager will be part of the US Commercial Data Strategy &amp; Analytics team. This team is dedicated to optimizing the value of existing data by continuous data rationalization and explore new/orthogonal data products to address blind spots from traditional credit bureau data that will help uplift credit decisions. The candidate will lead collaboration with our strategic risk partners, legal, compliance and help deepen in-house data expertise on existing commercial data assets, support new data product development in partnership with decision science teams, and enhance our data capabilities to accelerate growth and controls. Responsibilities include:<ul><li>Lead and support US commercial data strategy across the customer lifecycle through structured and risk-based principles.</li><li>Analyze existing and new data sources to uncover opportunities that will optimize our data solutions &amp; purchases and address business needs</li><li>Own third party relationships and manage all aspects of relationship including data quality and relationship monitoring, product performance, data testing/use cases and contract negotiations</li><li>Develop innovative and impactful data driven insights and analytics through our strategic partnerships to drive business growth and credit &amp; fraud risk management excellence</li><li>Develop metrics to deliver strong controls and insights</li><li>Collaborate with colleagues across CFR Data Strategy, Product Owners, Compliance, CFR Commercial Risk and Decisions Science to successfully design, implement, monitor, and govern strategies related to external data</li><li>Collaborate with external strategic partners to influence data product development</li><li>Be able to handle urgent escalations and time sensitive risk events.</li><li>Influence, lead and communicate across a broad range of audiences, including internal and external senior leadership</li></ul>Qualifications:<ul><li>Demonstrated ability to work independently and across a matrixed organization to deliver solutions at top speed</li><li>Ability to manage and lead large scale projects with multiple cross functional partners</li><li>Results driven mindset with a proven track record to prioritize and deliver against multiple priorities in a fast-paced, dynamic environment.</li><li>Good communication and influencing skills with an ability to translate data and analytics into business insights and recommendations, conceptualize and sell ideas</li><li>Strong technical skills to perform data evaluation, analytics, and matrices tracking/reporting</li><li>Knowledge of Python, SQL, Spark, SAS, and familiar with big data and cloud environments</li><li>At least 5 years of experience in a financial services organization in data or strategy function</li><li>Knowledge of commercial underwriting or credit data ecosystem preferred</li><li>Bachelor degree required, concentration in a quantitative field or business management preferred</li><li>Experience in managing people preferred</li><li>Adaptable interpersonal skills, high energy, and a proven team-first mentality</li></ul>Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.

Senior Manager-Risk Management

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let's lead the way together.The core of our company is not just the products we offer, but the personal connections our customers have with our brand. You can create digital experiences–from payments to rewards to servicing–that keep us connected to our customers and serve them at every touchpoint. From digital servicing and lifestyle features to secure, frictionless payment options, you can make a meaningful difference in our customers’ lives and help set us apart in the industry. Find your place in digital product on #TeamAmex.Amex Digital Labs is responsible for catalyzing digital innovation at American Express by originating, incubating, and managing emerging products and platforms that can be essential to our customers’ digital lives. We strive to emphasize creativity, customer centricity, and innovation. Focus areas include crafting industry-leading digital payment solutions, using our outstanding servicing network and lifestyle assets to build digital experiences, and defining new products and services based on emerging technologies and trends.We are looking for a Product Director to lead the evolution of Send &amp; Split, our flagship Peer-to-Peer (P2P) product for Amex Card Members. This role will focus on the strategy and delivery of key product enhancements, including expansion into new use cases, to deliver greater customer value and business impact. In addition, this Product Director will drive product growth by optimizing platform and product capabilities.<h4>How will you make an impact in this role?</h4>Working together with your team and Labs partners, you will lead:<ul><li>Product Strategy Development: Formulate a comprehensive strategy for the expansion of existing capabilities, along with the creation of new products and features, that’s informed by the competitive landscape, user needs, and aligns with company goals.</li><li>Product Roadmap Management and Delivery Planning: Drive the development and execution of a detailed product roadmap, prioritizing features and enhancements to optimize user engagement, repeat usage, and revenue.</li><li>Cross-Functional Collaboration: Collaborate closely with engineering, design, business development, enablement, and others to seamlessly deliver new features.</li><li>Partner Management: Cultivate the relationship with partner counterparts in support of joint product goals.</li><li>User Insights &amp; Analytics: Apply qualitative and quantitative data analysis techniques to gain deep insights into user behavior, preferences, and trends, using findings to refine product strategies, improve user experience, and drive growth.</li><li>Performance Monitoring &amp; Optimization: Establish key performance indicators and regularly monitor product performance to identify optimization opportunities.</li><li>Team Leadership and Coaching: Provide authentic and empathetic leadership to your product team, fostering a collaborative and high-performing culture. Encourage innovation, continuous learning, and accountability to drive product management excellence.</li><li>Operation and Risk Management: Oversee the operational integrity of a scaled payment product, proactively identifying and mitigating risks while optimizing processes for efficiency. Navigate complex regulatory requirements to ensure compliance, while maintaining a seamless customer experience.</li></ul><h4>Minimum Qualifications</h4><ul><li>Passionate about colleague development, with the ability to coach, mentor, and guide your team</li><li>Experience managing a product at scale and shipping continuous improvements/new features</li><li>Technically literate with a deep appreciation of the engineering team and partnership</li><li>Experience successfully leading and growing partner relationships</li><li>Keen eye for detail and ability to analyze data to find opportunities or problems</li><li>Clear and concise communication skills, able to effectively convey product strategy and vision, adept at explaining complex concepts to a wide audience</li><li>Ability to prioritize roadmaps across multiple competing priorities and timelines, with consideration of user needs, technical feasibility, and business outcomes</li><li>Clear understanding of customer research frameworks and principles; able to articulate a strong point of view that is backed by knowledge of the industry and customer needs</li></ul>Salary Range: $150,000.00 to $225,000.00 annually + bonus + equity (if applicable) + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.*Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

Director - Digital Product Management, P2P Payments

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let's lead the way together.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.The Operational Risk Management (ORM) team facilitates and monitors the implementation of effective operational risk management programs throughout the organization, and oversees risk ownership throughout business units, products, and processes. The objective of the ORM Issues &amp; Events team is to define and maintain the issues and events frameworks and programs across the enterprise.&nbsp;&nbsp;ORM is looking for a Director CCAR Operational Risk to lead a diverse team of high-performing professionals focused on ensuring effective operational risk management is embedded in the day-to-day operations of our organization. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.&nbsp;&nbsp;How will you make an impact in this role?The Director CCAR Operational Risk will:<ul><li>Own and drive the end-to-end CCAR operational risk framework, ensuring timely, accurate, and defensible submissions.</li><li>Develop and refine scenario analysis methodologies, integrating loss data, risk control self-assessments (RCSAs), key risk indicators (KRIs), and external data sources.</li><li>Ensure operational risk stress testing aligns with regulatory expectations (e.g. SR 15-18/SR 15-19, Basel, ICAAP) and internal risk appetite.</li><li>Design and enhance loss estimation models that translate risk scenarios into financial impact forecasts.</li><li>Integrate historical loss data, emerging risk trends, and macroeconomic factors into CCAR stress testing frameworks.</li><li>Work closely with risk modeling teams to validate methodologies and assumptions.</li><li>Serve as the primary point of contact for regulatory exams related to CCAR operational risk, engaging with Federal Reserve, OCC, and other regulators.</li><li>Prepare and present clear, defensible risk assessments to CROs, CFOs, Board members, and regulators.</li><li>Ensure governance, documentation, and risk methodologies meet heightened regulatory expectations.</li><li>Provide thought leadership on emerging operational risk themes, e.g. cyber risk, third-party risk, conduct risk, and fraud.</li><li>Strengthen the connection between business controls, risk mitigation strategies, and capital planning.</li><li>Partner with Enterprise Risk, Finance, and Business Unit teams to integrate operational risk into broader firmwide risk initiatives.</li><li>Implement a robust governance framework for operational risk loss forecasting, ensuring transparency, accuracy, and repeatability.</li><li>Drive process efficiency, leveraging automation and best practices to enhance risk quantification.</li><li>Ensure high-quality execution of CCAR deliverables under tight regulatory timelines.&nbsp;</li></ul>Qualifications:<ul><li>Proven experience leading CCAR operational risk processes at a GSIB or large financial institution.</li><li>Strong understanding of stress testing methodologies, risk quantification, and capital planning requirements.</li><li>Expertise in risk scenario analysis, loss forecasting, and data-driven risk quantification.</li><li>Ability to synthesize internal loss data, external trends, and macroeconomic factors into CCAR modeling.</li><li>Experience engaging with Federal Reserve, OCC, FDIC, and other regulatory bodies.</li><li>Ability to confidently defend methodologies, justify assumptions, and articulate risk outcomes to regulators and senior leadership.</li><li>Ability to translate complex risk analytics into clear, actionable insights for C-suite executives.</li><li>Strong presentation skills to engage with senior management.</li><li>Expertise in operational risk frameworks, loss event modeling, and control effectiveness assessments and knowledge of key operational risk categories</li><li>Experience designing and enforcing risk governance frameworks, ensuring strong documentation and control oversight.</li><li>Ability to create repeatable, defensible methodologies that meet regulatory scrutiny.</li><li>Ability to coordinate across risk, finance, modeling, and technology teams to drive CCAR excellence.</li><li>Track record of delivering under high-pressure regulatory deadlines.</li><li>Passion for enhancing CCAR methodologies, benchmarking against industry best practices, and driving innovation.</li><li>Strong problem-solving skills to navigate complex risk assessment challenges.</li><li>Experience with Python, R, SAS, SQL, or advanced data analytics tools for risk modeling and familiarity with machine learning techniques for risk analytics are nice-to-haves</li></ul>Salary Range: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.*Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

Director CCAR-Operational Risk Management

<h3>Job Description:</h3>Financial Services Representative Have a passion for helping people? Join our team of Financial Services Representative where you’ll have dedicated time to focus on growth and career development, while you support our customers taking inbound calls while preparing for a future as the official face of Fidelity in our Investor Centers. Supercharge your early planning and advice career at Fidelity with paid training to help you get your Series 7 &amp; 66 licenses, personalized support, knowledgeable career guides, and celebration of your achievements, while building skills and experiences. During your onboarding experience in this role, you’ll support Fidelity’s customers over the phone by answering questions about account balances, making withdrawals, transferring funds, identifying resources, and placing trades, while working from home and spending one day per week in the Investor Center. Upon completion of this onboarding experience, you will work in the Investor Center on a daily basis.What to expect…In your first year as a new Financial Services Representatives, your onboarding leader will support you as you navigate our Industry leading training program, working at home and in an Investor Center.<ul><li>Obtain Licenses: Become a FINRA (Financial Industry Regulatory Authority) Registered Representative by studying for and obtaining your SIE, Series 7 Top Off and Series 66 licenses, fully paid for and sponsored by Fidelity. This includes paid, on-the-job study time 4 days a week, support from licensing coaches, group and individualized study plans, and review classes. This role requires successful completion of all exams.</li><li>Build and Solidify Skills: You’ll continue to spend four days a week working from home and one day a week in an Investor Center, where you’ll support customers with increasing complexity to develop and hone your skills. You’ll have dedicated time each week to develop new skills and to connect and refuel by networking with colleagues, taking online classes, and more! Once you complete this training journey, you’ll transition to working fully on-site in an Investor Center. Depending on business need, you might spend more time working remotely supporting inbound phone customers before you transition to an Investor Center.</li><li>Discover Success: You’ll gain confidence and develop proficiency serving customers as you join the wealth management development track and will spend time building advanced skills that will further develop your career in planning.</li></ul>Advantages of our career development experience…<ul><li>You are supported. We provide all the training you need to develop the skills needed to service customers and study for your FINRA licensing exams! You don’t need a finance background or college degree to succeed in this role.</li><li>You are celebrated. Your achievements will be recognized and celebrated as you progress through this career development experience on your way to your first promotion.</li><li>You are growing. From day one you’ll have the support and structure to plan for your future at Fidelity. The career coaching you will receive will help you understand the array of career opportunities at Fidelity and chart a course to help you grow in a personalized career path.</li><li>You get variety. You’ll have dedicated time to focus on development activities and doing work that goes beyond supporting customer needs, while building the unique skills you’ll need as you prepare to be in the Investor Center each day.</li></ul>The expertise we’re looking for…<ul><li>High energy and enthusiasm with a natural passion for helping people</li><li>Flexibility and self-motivation</li><li>Experience in customer service (phone or in-person) and an ability to thrive face to face with clients in a fast-paced environment</li></ul>The Skills You Bring<ul><li>Eagerness to learn and build a career in financial services</li><li>Ability to deliver an outstanding customer experience</li><li>Superb interpersonal skills, attention to detail and ability to manage multiple tasks at once</li><li>Coachability, collaboration and curiosity will fuel your success</li></ul>Our Investments in YouOur benefit programs are crafted to help you and your loved ones strike the perfect balance. Here are a few featured benefits (not all benefits are listed): Maternal and Parental Leave, Tuition Reimbursement, Student Loan Assistance, 401(K) 7% match, Health Insurance, Dental Insurance, Vision Insurance, Disability Insurance, Paid Time off, Commuter Benefit Program, Backup Dependent Care, Charitable match, Concierge Services, Wellness Program, and Fitness Reimbursement.Certifications: You will be given paid time and support to obtain SIE – FINRA, Series 07 – FINRA, Series 66 – FINRA<h3>Certifications:</h3>Series 07 - FINRA, Series 66 - FINRA<h3>Category:</h3>Customer ServiceFidelity’s hybrid working model blends the best of both onsite and offsite work experiences. Working onsite is important for our business strategy and our culture. We also value the benefits that working offsite offers associates. Most hybrid roles require associates to work onsite every other week (all business days, M-F) in a Fidelity office.

Fidelity Investments

Financial Services Representative - Morristown, NJ

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let’s lead the way together.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.Enterprise Data Governance &amp; Platforms (EDGP) is part of the larger Enterprise Digital and Data Solutions (EDDS) organization.  EDGP improves the customer experience and drives business growth through robust enterprise-wide data policies and governance and enabling a data-driven culture, while developing digital and data platforms that provide insightful customer relationships and allow users to leverage enterprise-wide data capabilities.The&nbsp;Enterprise Data Platforms (EDP)&nbsp;organization&nbsp;is part of the American Express&nbsp;Enterprise Digital and Data Solutions (EDDS) Group. &nbsp;EDP manages the Big Data Ecosystem which helps to centralize data across the company with built-in governance&nbsp;and&nbsp;democratization of&nbsp;access to a broad user community.&nbsp;The team is driving the future of our business by building products and platforms that delivers trusted and quality data for decision science processes, big data applications and analytical users.&nbsp;We are looking for a Product Manager for our Analytical Insights and Solutions team within the Enterprise Data Platforms organization. This role works closely with Business, Technology, Infrastructure partners and Colleagues to deliver deep insights into platform resource utilization, costs, and performance, enabling strategic optimization initiatives to enhance user experience and operational efficiency.Primary Responsibilities:<ul><li>Define the product vision and strategy for user insights in close partnership with technology teams and business stakeholders across the enterprise.</li><li>Collaborate with product and technology partners to deliver customer centric solutions best tailored to AXP&nbsp;colleague and customer needs.</li><li>Design solutions for BI &amp; Analytical users that overcome on-prem challenges and streamline journey within public cloud.</li><li>Partner to Develop Enterprise BI Strategies to assist use case teams and deliver seamless user experience.</li><li>Evaluate External BI Tools/capabilities landscape in data asset management and analytics to assess the applicability to Amex Platform. </li><li>Partner with Central Asset Registry to manage ownership lifecycle of Analytical Use Cases in adherence to the defined policies and frameworks.</li><li>Understand the current on-prem big data platform landscape, architect the target state architecture, and execute the modernization roadmap to public cloud infrastructure.</li><li>Building and maintaining relationships with internal and external stakeholders to understand their analytical and data distribution requirements.</li><li>Develop presentations and communicate with various levels of leadership across the enterprise.</li><li>Identify needs, opportunities, gaps, and resolve customer challenges with EDP product offerings and enhancements.</li></ul>Qualification Requirements:<ul><li>2+ years of product owner experience in driving agile development processes to deliver new product asks.</li><li>Strong understanding of products and services in Google Cloud Platform (GCP), cloud technology, BI Tools and third-party cloud products</li><li>Knowledge of big data platform architecture, data management and newer developments in the industry.</li><li>Highly organized and self-motivated individual who can combine problem-resolution, and critical thinking to apply a business lens to design customer-obsessed solutions.</li><li>Demonstrated ability to translate data insights into strategic business recommendations. Strong problem-solving skills and experience in driving business results.</li><li>Inherent customer focus with an ability to interact with leaders at all levels of the organization.</li><li>Possess a unique blend of business and technical savvy, excellent communication &amp; collaboration skills; ability to build relationships, partner with cross-functional teams to deliver on shared objectives.</li><li>Degree in STEM fields with work experience in information management, strategy, or the payments business</li></ul>Salary Range: $60,000.00 to $110,000.00 annually + bonus + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.

Senior Associate-Digital Product Management

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let’s lead the way together.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.American Express has a network that connects millions of consumers, merchants and businesses around the globe in a payments and commerce ecosystem that creates value for all its constituents.Our Global Merchant Network Services (GMNS) Risk Management Team stands behind each of these purchases, thus protecting this network of millions of consumers, merchants and businesses. The Manager will join at team responsible for overseeing a portfolio with exposure of over $5 Billion. You will be a Risk Officer on the front line, protecting our merchant business P&amp;L from loss, while carefully balancing the merchant relationship with American Express. Alongside credit risk management, you will be responsible for minimizing operational risk across your portfolio. The objective will be to establish the Operational Risk and Controls strategy for GMNS and set up a foundational governance structure that ensures operational risks are identified, assessed, and managed in compliance with enterprise Operational Risk Management programs and reporting. The manager will be focused on ensuring control management is embedded in the day-to-day operations of our organization.The Manager must have good judgment, excellent communication skills, be analytical, motivated and be a strategic thinker, who can both dive into numeric financial details while still being able to conduct negotiations with C-Suite executives across a variety of industries. Our team members are often considered “jack of all trades”, who are self-directed and make decisions that have high stake profitability and risk tradeoffs. Additionally, our team plays a central role in both the GMNS Business and Risk organizations by collaborating with numerous Business Units within the enterprise. Responsibilities<ul><li>The incumbent will be managing their own portfolio of merchants to identify exposure and proper mitigation strategies.</li><li>Risk Officer will manage the end-to-end life cycle of an AMEX merchant relationship from onboarding to periodic review/maintenance and possible exits.</li><li>Facilitate investigation and conduct root cause analysis on identified process gaps or issue types</li><li>Analyze trends in issues and events to identify potential systemic risks or control weaknesses within BU processes</li><li>Support End-to-End (E2E) issue resolutions embedding accountability and ensuring lessons learned are integrated into future practices</li><li>Opine on specific control enhancements related to issues</li><li>Conduct in-depth process design and risk analyses on business functions to identify data integrity issues and/or operational risks</li><li>Liaise with Business Unit (BU) process owners and Technology application owners to design and implement controls, and provide broader input on areas of risk</li><li>Perform thematic analyses from previous control-related issues and partner with operational risk partners to develop risk mitigation strategies</li><li>Work with internal stakeholders on best practices and key portfolio concerns while growing GMNS business.</li><li>Demonstrate influence and negotiation skills when speaking to internal AMEX leadership as well as merchant C-Suites</li><li>Ability to turn big, raw data files into meaningful reporting and presentations.</li><li>Complete ad-hoc work assignments dedicated to mitigating the overall GMNS portfolio</li><li>The incumbent will also work alone or collaborate with fellow GMNS Risk colleagues on projects designated to enhance, manage, mitigate GMNS Risk processes.&nbsp;&nbsp; &nbsp;</li></ul>Required Qualifications<ul><li>The successful candidate must be able to work under their own initiative, have excellent time management skills and be able to problem solve in times of fast changing priorities. In addition, they must be able to navigate through very stressful, urgent, complex and ambiguous situations independently while seeking the win-win solution.</li><li>The incumbent must have excellent relationship and communication skills with the ability to apply analytical/quantitative and negotiating techniques to business solutions.</li><li>Previous Merchant Acquiring Risk, Client Management or Commercial Credit Underwriting experience throughout multiple industries is desirable.</li><li>Strong financial and analytical acumen, financial credit and/or accounting knowledge is required.</li><li>Previous experience with C-Level counterparts presenting complex credit metrics is preferred.</li><li>Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards&nbsp;</li></ul>Experience in at least one of the following:<ul><li>Translating operational risk strategy and appetite into execution guidelines</li><li>Tracking and identifying issues with Key Risk Indicator (KRI) limits and risk appetite to ensure operational risks are managed within agreed thresholds</li><li>Oversee the implementation of the operational risk governance frameworks</li><li>Communicating and ensuring understanding and adherence to operational risk procedures and standards</li><li>Scoping, prioritizing, and support remediation of operational issues</li><li>Investigating and conducting root cause analysis to address repeated operational risk issue types</li><li>Performing quality assurance on documentation of risk processes</li><li>Overseeing BU remediation process for operational risk issues and events</li><li>Reviewing documentation and maintaining records to ensure transparency and accountability</li><li>Expertise in process governance, with a track record of establishing and overseeing robust decision-making processes that align with policies, regulatory frameworks, and/or operational standards</li><li>Experience in operational risk management (e.g., within Risk and/or Internal Audit function) is desired</li><li>Understanding of critical operational risk management lifecycle activities</li><li>Project management skills with experience collaborating within large business units preferred.</li><li>Strong data analytic skills required, including extensive knowledge in Microsoft Suite (Excel and PowerPoint), SQL, Tableau, BI tools.</li><li>Knowledge of Python and Java preferred.</li><li>MBA, CFA, PM or equivalent work experience preferred.</li></ul>Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let’s lead the way together.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.American Express has a network that connects millions of consumers, merchants and businesses around the globe in a payments and commerce ecosystem that creates value for all its constituents.Our Global Merchant &amp; Network Services (GMNS) Risk Management Team stands behind each of these purchases, thus protecting this network of millions of consumers, merchants and businesses. The Director will join a team responsible for overseeing a portfolio with exposure of over $5 Billion. You will be the Leader of a team of Regional Risk Officers on the front line, protecting the merchant business P&amp;L from loss, while carefully balancing the merchant relationship with Amex. Alongside credit risk management, you will be responsible for minimizing operational risk across your portfolio. The objective will be to establish the Operational Risk and Controls strategy for GMNS and set up a foundational governance structure that ensures operational risks are identified, assessed, and managed in compliance with enterprise Operational Risk Management programs and reporting. The Director will be focused on ensuring control management is embedded in the day-to-day operations of our organization.The Director must have good judgment, excellent oral and written communication skills, be analytical, motivated and be a strategic thinker, who can dive into numeric financial details and understand the business models of companies operating in different industries e.g. travel, retail and lodging while still being able to conduct negotiations with C-Suite executives. Our team members are multitalented who are self-directed and make decisions that have high stake profitability and risk tradeoff. Additionally, our team plays a central role in both the GMNS and Risk organizations by collaborating with client managers, credit rating team members and attending various risk committees so being a team player with outstanding interpersonal skills and emotional intelligence is crucial.Responsibilities<ul><li>This exciting and visible role within Global Merchant &amp; Network Services (GMNS) Risk Management, will be responsible for verifying exposures through financial and business model reviews, calls with merchants and client managers, and review of other external information.</li><li>Personally manage a large portfolio of large merchant clients with a sense of urgency while simultaneously overseeing other RROs with their merchant book of business.</li><li>Lead and manage a team of talented RROs, answering their questions and helping them to incorporate best practices in Portfolio management.</li><li>Collaborating with internal partners to source financial information, create review cases, work with Client Managers, support escalations from Submission Monitoring Team, and make risk mitigation decisions.</li><li>Facilitate investigation and conduct root cause analysis on identified process gaps or issue types</li><li>Analyze trends in issues and events to identify potential systemic risks or control weaknesses within BU processes</li><li>Support End-to-End (E2E) issue resolutions embedding accountability and ensuring lessons learned are integrated into future practices</li><li>Opine on specific control enhancements related to issues</li><li>Conduct in-depth process design and risk analyses on business functions to identify data integrity issues and/or operational risks</li><li>Liaise with Business Unit (BU) process owners and Technology application owners to design and implement controls, and provide broader input on areas of risk</li><li>Perform thematic analyses from previous control-related issues and partner with operational risk partners to develop risk mitigation strategies</li><li>Make regular presentations to senior leaders in both formal and informal settings.</li><li>The role also includes working on special projects when needed, the ability to prepare presentations for upper management, pull data to support team BAU projects such as Large Loss Reporting, C1 or Worse Reviews, and other industry specific risk initiatives.</li><li>The incumbent will have responsibility for prioritizing a portion of a portfolio of risky merchants with billions of dollars in credit exposure, proactively managing challenging negotiations with top CEOs and CFOs, and navigating internal stakeholders to gain alignment on a timeline to take action with our merchants.</li><li>Partner with Acquisition, Relationship Management, Compliance, Collections, Operations and External Agencies to implement strategies</li><li>In addition, by being close to the fundamental metrics that drive profitability and RoEC (Return on Economic Capital), the incumbent will have opportunities to drive projects to help AXP win in the marketplace.</li><li>This role includes in-depth analytics, developing and monitoring key credit metrics, designing risk mitigation strategies and customer facing negotiations that will strengthen American Express’s competitive advantage and brand promise in the market.</li><li>Ability to turn big, raw data files into meaningful reporting and presentations.</li></ul>Required Qualifications<ul><li>The successful candidate must be able to work under their own initiative and be able to problem solve in times of fast changing priorities.&nbsp; In addition, he/she must be able to navigate through often stressful, urgent, complex and ambiguous situations independently while seeking the win-win solution.&nbsp; Whilst striving for work life balance, the role will demand some flexibility due to the global nature of the wider team. Importantly, you must be passionate about what you do, proud about what you deliver and be prepared to go the extra mile to make a difference.</li><li>We need a team player able to effectively manage partner relationships so that inter-team collaborations are fruitful and positive.</li><li>The incumbent must have the ability to apply analytical/quantitative and negotiating techniques which translates results to business solutions. Other critical strengths include very strong relationship management and communication skills. The applicant must be a self-starter with demonstrated ability to work proactively and independently to drive results within a strong team environment. The ability to influence others and manage multiple concurrent projects in a dynamic environment will be essential. Experience working in highly cross functional environments is desirable, as is the flexibility and adaptability to work with tight deadlines and changing priorities.&nbsp; In addition, the following experience and qualifications are desired:</li><li>Previous Merchant Acquiring Risk, Client Management or Commercial Credit Underwriting experience throughout multiple industries is desirable.</li><li>Strong financial and analytical acumen, financial credit and/or accounting knowledge, comfort with financial statements is a must.</li><li>Ability to manage a sizeable portfolio of clients in an organized manner with a sense of urgency.</li><li>People management experience; leadership in diverse teams.</li><li>Contract negotiation skills.</li><li>Strong communication skills, both verbal and written.</li><li>Previous experience within a client facing role with C-Level (CEO, CFO and Treasurers) counterparts)</li><li>Ability to confidently present complex credit metrics to CFO and CEOs of large companies preferred with credibility and compassion.</li><li>Understanding of US Bankruptcy Law and Preference Period Risk is desirable.</li><li>Demonstrated relationship building skills and experience managing multiple stakeholders</li><li>Creative thinker who thrives on finding unique solutions, particularly in workout scenarios, which enable all parties to “win”</li><li>Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards&nbsp;</li></ul>Experience in at least one of the following:<ul><li>Translating operational risk strategy and appetite into execution guidelines</li><li>Tracking and identifying issues with Key Risk Indicator (KRI) limits and risk appetite to ensure operational risks are managed within agreed thresholds</li><li>Oversee the implementation of the operational risk governance frameworks</li><li>Scoping prioritizing, and support remediation of operational issues</li><li>Investigating and conducting root cause analysis to address repeated operational risk issue Communicating and ensuring understanding and adherence to operational risk procedures and standards types</li><li>Performing quality assurance on documentation of risk processes</li><li>Overseeing BU remediation process for operational risk issues and events</li><li>Reviewing documentation and maintaining records to ensure transparency and accountability</li><li>Expertise in process governance, with a track record of establishing and overseeing robust decision-making processes that align with policies, regulatory frameworks, and/or operational standards</li><li>Experience in operational risk management (e.g., within Risk and/or Internal Audit function)</li><li>Understanding of critical operational risk management lifecycle activities</li><li>Knowledge of SQL, Terradata or SAS or commitment to learn these skills</li><li>Expertise in all MS Office applications (Word, Excel, PPT).</li><li>MBA, Certification or equivalent work experience preferred</li></ul>Salary Range: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.

Director-Risk Management & Optimization

You Lead the Way. We’ve Got Your Back.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.Join Team Amex and let’s lead the way together.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.American Express has a network that connects millions of consumers, merchants and businesses around the globe in a payments and commerce ecosystem that creates value for all its constituents.Our Global Merchant Network Services (GMNS) Risk Management Team stands behind each of these purchases, thus protecting this network of millions of consumers, merchants and businesses. The Manager will join at team responsible for overseeing a portfolio with exposure of over $5 Billion. You will be a Risk Officer on the front line, protecting our merchant business P&amp;L from loss, while carefully balancing the merchant relationship with American Express. Alongside credit risk management, you will be responsible for minimizing operational risk across your portfolio. The objective will be to establish the Operational Risk and Controls strategy for GMNS and set up a foundational governance structure that ensures operational risks are identified, assessed, and managed in compliance with enterprise Operational Risk Management programs and reporting. The manager will be focused on ensuring control management is embedded in the day-to-day operations of our organization.The Manager must have good judgment, excellent communication skills, be analytical, motivated and be a strategic thinker, who can both dive into numeric financial details while still being able to conduct negotiations with C-Suite executives across a variety of industries. Our team members are often considered “jack of all trades”, who are self-directed and make decisions that have high stake profitability and risk tradeoffs. Additionally, our team plays a central role in both the GMNS Business and Risk organizations by collaborating with numerous Business Units within the enterprise. Responsibilities<ul><li>The incumbent will be helping manage a portfolio of merchants to identify exposure and proper mitigation strategies.&nbsp;</li><li>Risk Officer will help manage the end-to-end life cycle of an AMEX merchant relationship from onboarding to periodic review/maintenance and possible exits.</li><li>Support investigation and conduct root cause analysis on identified process gaps or issue types</li><li>Help analyze trends in issues and events to identify potential systemic risks or control weaknesses within BU processes</li><li>Support End-to-End (E2E) issue resolutions ensuring lessons learned are integrated into future practices</li><li>Help conduct in-depth process design and risk analyses on business functions to identify data integrity issues and/or operational risks</li><li>Help perform thematic analyses from previous control-related issues and partner with operational risk partners to develop risk mitigation strategies</li><li>Work with internal stakeholders on best practices and key portfolio concerns.</li><li>Ability to turn big, raw data files into meaningful reporting and presentations.</li><li>Complete ad-hoc work assignments dedicated to mitigating the overall GMNS portfolio </li><li>The incumbent will also work alone or collaborate with fellow GMNS Risk colleagues on projects designated to enhance, manage, mitigate GMNS Risk processes.&nbsp;</li></ul>Required Qualifications<ul><li>The successful candidate must be able to work under their own initiative, have excellent time management skills and be able to problem solve in times of fast changing priorities. In addition, they must be able to navigate through very stressful, urgent, complex and ambiguous situations independently while seeking the win-win solution.&nbsp; </li><li>The incumbent must have excellent relationship and communication skills with the ability to apply analytical/quantitative to business solutions. </li><li>Previous Merchant Acquiring Risk, Client Management or Commercial Credit Underwriting experience throughout multiple industries is desirable.</li><li>Good financial and analytical acumen, financial credit and/or accounting knowledge is required. </li><li>Previous experience with C-Level counterparts presenting complex credit metrics is preferred.</li><li>Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standardsis preferred</li></ul>Experience in at least one of the following:<ul><li>Translating operational risk strategy and appetite into execution guidelines</li><li>Tracking and identifying issues with Key Risk Indicator (KRI) limits and risk appetite to ensure operational risks are managed within agreed thresholds</li><li>Oversee the implementation of the operational risk governance frameworks</li><li>Communicating and ensuring understanding and adherence to operational risk procedures and standards</li><li>Scoping, prioritizing, and support remediation of operational issues</li><li>Investigating and conducting root cause analysis to address repeated operational risk issue types</li><li>Performing quality assurance on documentation of risk processes</li><li>Overseeing BU remediation process for operational risk issues and events</li><li>Reviewing documentation and maintaining records to ensure transparency and accountability</li><li>Experience in operational risk management (e.g., within Risk and/or Internal Audit function) is desired</li><li>Project management skills with experience collaborating within large business units preferred.</li><li>Strong data analytic skills required, including extensive knowledge in Microsoft Suite (Excel and PowerPoint), SQL, Tableau, BI tools.</li><li>Knowledge of Python and Java preferred.</li><li>MBA, CFA, PM or equivalent work experience preferred.</li></ul>Salary Range: $55,000.00 to $105,000.00 annually + bonus + benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:<ul><li>Competitive base salaries&nbsp;</li><li>Bonus incentives&nbsp;</li><li>6% Company Match on retirement savings plan&nbsp;</li><li>Free financial coaching and financial well-being support&nbsp;</li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits&nbsp;</li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;</li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy&nbsp;</li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;</li><li>Free and confidential counseling support through our Healthy Minds program&nbsp;</li><li>Career development and training opportunities</li></ul>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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the&nbsp;Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window:&nbsp;<a href="https://www.dol.gov/agencies/ofccp/posters&nbsp;to" target="_blank">https://www.dol.gov/agencies/ofccp/posters&nbsp;to</a> access the three posters.

84 Project Management / Professional Services Jobs in Jersey City, NJ, USA