Analyst-Compliance ; Customer Due Diligence

American Express Global Financial Crimes Compliance (GFCC) provides second-line policy, framework, oversight, and control solutions to meet the Company’s legal, regulatory, and risk management mandates in connection with Anti-Money Laundering (AML), Counter Terrorism Financing (CTF), Sanctions, and Anti-Bribery and Corruption. The GFCC portfolio includes all aspects of the Company’s financial crime risk management (FCRM) activities across all lines of business in the United States and global markets. GFCC is part of the broader Global Risk & Compliance organization.

The GFCC Client Risk Management Office within the GFCC Global AML Office leads efforts to assess, index, monitor, and mitigate client-introduced risk. It uses data analytics to create dynamic Client Risk Ratings (CRR) to drive Know Your Customer (KYC) requirements, ensure regulatory compliance across all lines of business and jurisdictions, and provide relevant information to leadership and GFCC colleagues. Additionally, GFCC is establishing a team to administer end-to-end centralized oversight of the Enhanced Due Diligence Program, including policy, standards, and procedure development, as well as second-line oversight of Know Your Customer Refresh (KYC-R).

About the role

As regulatory expectations grow globally, this role ensures the Financial Crimes program remains effective and efficient while meeting market-level regulatory demands. The successful candidate will report to the CDD Governance Manager and collaborate with first- and second-line teams across markets and lines of business to enhance CDD processes and procedures. Key initiatives include Guardian, KYC Standards gap assessment and implementation, and regulatory requests. The role requires the ability to work collaboratively across functions and markets, thrive in a changing environment, and drive global initiatives.

Responsibilities

• Support key governance-related projects aligned with Guardian and regulatory requests through strong stakeholder management and timely delivery of objectives.
• Manage global initiatives such as conducting gap assessments and implementing KYC standards, ensuring alignment across markets and functions.
• Develop subject matter expertise in the end-to-end CDD program, including supporting technology.
• Review and assess existing KYC policies, procedures, and workflows against internal standards and external regulatory requirements.
• Define timelines, owners, and success metrics for remediation activities and track them to closure.
• Support audit and regulatory exam preparedness by providing evidence of assessments, action plans, and remediation efforts.
• Monitor changes in regulatory expectations and proactively assess their impact on KYC programs.
• Stay updated on evolving regulations and industry standards.

Requirements

• 3+ years of proven experience in program governance, project management, product management, strategy development, or implementation.
• Minimum of 2+ years of experience in BSA-AML, financial crimes compliance, government agency/regulator, general compliance, risk management, or audit.
• Ability to assess and synthesize insights from large amounts of information to identify strategic opportunities and drive implementation.
• Excellent written and verbal communication skills, with the ability to develop impactful presentations for senior leadership and regulators.
• Familiarity with KYC operations, customer lifecycle, management systems, and screening technologies is a plus.
• Strong management, collaboration, organizational, and interpersonal skills, with the ability to motivate and engage stakeholders.
• Proficiency in Microsoft Office (Word, Excel, PowerPoint).
• Strong decision-making skills, adaptability, and the ability to work independently or within a team.
• Bachelor’s degree required.
• Employment eligibility to work with American Express in the United States (visa sponsorship is not available for this position).

Benefits

• Competitive base salaries and 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, for pregnancy, adoption, or surrogacy.
• Free access to global on-site wellness centers staffed with nurses and doctors (location-dependent).
• Free and confidential counseling support through the Healthy Minds program.
• Career development and training opportunities.