Senior Manager US Consumer Services Compliance Conduct Risk

Compliance Senior Manager

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

The U.S. Consumer Services 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 Consumer Travel & Lifestyle Services, the Centurion Lounge network, Global Dining, U.S. Consumer Banking, Amex Offers, 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.

About the Role

American Express is seeking a detail oriented and proactive First Line of Defense (1LOD) Compliance Senior Manager to support the business in managing compliance risk across products, processes, and customer interactions. This role plays a key part in ensuring that day-to-day operations align with regulatory requirements and internal policies, working closely with both business and compliance partners. The ideal candidate has strong regulatory knowledge, a process mindset, and the ability to translate risk concepts into practical actions.

Key Responsibilities

• Act as a compliance risk advisor to front-line business teams, helping them understand and comply with applicable regulatory obligations.
• Support the execution of compliance risk assessments and ongoing monitoring activities within the business unit.
• Partner with operations, product, and technology teams to design and enhance controls that mitigate regulatory and operational risks.
• Monitor business activities for compliance with laws, regulations, and internal standards (e.g., UDAAP, Fair Lending, Privacy, BSA / AML).
• Track and remediate compliance issues and control gaps identified through monitoring, audits, or regulatory exams.
• Maintain and update business-level compliance documentation, including procedures, control descriptions, and training materials.
• Collaborate with second line Compliance and Legal teams on policy interpretation, regulatory change implementation, and incident response.
• Support compliance testing, audit readiness, and business responses to regulatory inquiries and examinations.
• Assist with delivery of compliance-related training to business staff.
• Contribute to reporting of compliance metrics and trends to business leadership.

Minimum Qualifications

Bachelor's degree in business, finance, law, or a related discipline. 4 years of experience in compliance, risk management, or control-related roles in financial services. Working knowledge of key U.S. banking regulations (e.g., UDAAP, Reg Z, Fair Lending). Experience supporting compliance or operational risk within a business or first line function.

Preferred Qualifications

Compliance or risk certification (e.g., CRCM, CAMS, CCEP). Familiarity with issue management, risk assessments, and control testing processes. Experience working in a matrixed environment or with cross-functional teams.

Skills & Competencies

Strong attention to detail and critical thinking skills. Ability to analyze regulatory requirements and apply them in a business context. Effective communication and relationship-building skills. Proactive, self-motivated, and comfortable managing multiple priorities. Sound judgment and problem-solving capabilities.

Qualifications

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.

US Job Seekers - Click to view the "Know Your Rights" poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window : Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

Job : Compliance Primary Location : US-New York-New York Other Locations : US-North Carolina-Amex - for internal use only, US-Arizona-Phoenix, US-Florida-Sunrise Schedule : Full-time Req ID : 25019512