Senior Manager Credit & Fraud Risk (CFR) Compliance

First Line Of Defense (1LOD) Compliance 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.

Position Summary

American Express is seeking a detail oriented and proactive First Line Of Defense (1LOD) Compliance 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.

Advisory

Providing business-specific Compliance expertise to the BU

Review marketing and other customer-facing materials

Regulatory Change Management

Executing impact assessments for regulatory changes impacting the BU and coordinating and implementing changes for the business as required

Controls & Issue Management

Complaints review activity for the BU

Implementation and monitoring of new controls for the BU

Issue Management for the BU, including leading action plan management process and escalating issues to senior management

Reporting, Policies and Procedures

Compliance metrics tracking and reporting for the BU

Owning, drafting, and updating BU Compliance procedures, and communications for Compliance related BU issues

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.

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.

Qualifications

Required :

• Bachelor's degree in business, finance, law, or a related discipline.
• 3 years of experience in compliance, risk management, or control-related roles in financial services.
• Working knowledge of key U.S. banking regulations.
• Experience supporting compliance or operational risk within a business or first line function.

Preferred :

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

Salary Range : $103,750.00 to $174,750.00 annually bonus benefits

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.