**Description** **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 Global Risk & Compliance Organization is an independent risk management function, led by the Chief Risk Officer, with the objective of ensuring that American Express operates in a safe, sound, and fully compliant manner with all applicable regulatory expectations. Global Risk & Compliance creates and maintains the overall risk management framework, performs independent risk management assessments, and monitors applicable risks. Colleagues in Global Risk & Compliance are passionate about our commitment to drive the Company’s goals of growth and progress by creating a culture of risk awareness and proactivity around regulatory matters. The Operational Risk Management (ORM) team facilitates and monitors the implementation of effective operational risk management programs throughout the company, and oversees risk ownership throughout business units, products, and processes. The objective of the ORM Governance team is to develop, oversee and strengthen the organization’s ORM framework to ensure that governance structures, policies, and procedures are robust, effective, and align with regulatory requirements and best practices. 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 Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, U.S. Consumer Banking, and best-in-class marketing programs across customer, prospect, and partner channels. The U.S. Consumer Services team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day. The ORM Governance organization is looking for a Director, U.S. Consumer Services Operational Risk to join a diverse team of high-performing individuals focused on the effective oversight of risk identification, assessment, and mitigation across the Business Unit, while maintaining alignment with the organization’s enterprise risk management framework. Reporting directly to the VP, U.S. Consumer Services Operational Risk Officer, this role plays a critical part in assessing, monitoring, and challenging the first line’s risk management practices. The ideal candidate will work closely with first-line stakeholders and enterprise risk functions to provide independent oversight and challenge, ensuring that risks are managed effectively and in compliance with regulatory expectations. **The Director,** **U.S. Consumer Services will:** + Assess and challenge first-line risk identification, assessment, and mitigation efforts (i.e., Risk & Control Self-Assessment) within U.S. Consumer Services to ensure alignment with enterprise risk standard + Analyze business processes and activities to identify potential risks, control gaps, and emerging risks + Support the development and refinement of risk policies, standards, and procedures + Assist in applying the enterprise risk management framework across U.S. Consumer Services + Support U.S. Consumer Services in embedding risk management practices into daily operations and decision-making + Track and analyze key risk indicators (KRIs), providing insights into risk trends and areas requiring attention + Contribute to risk reporting efforts, preparing materials for senior management, risk committees, and regulatory engagements + Maintain an understanding of relevant regulations and industry expectations to help the business navigate compliance requirements + Participate in risk governance forums, working groups, and committee meetings, providing input on risk topics **Qualifications:** + Experience in risk management, preferably within a second-line function in financial services, and understands critical risk management lifecycle activities + Knowledge of risk management frameworks, regulatory environments, and industry best practices + Proven ability to assess and challenge first-line risk practices independently + Excellent communication and relationship-building skills, with the ability to translate complex risk concepts into actionable insights + Demonstrated history and ability to build productive partnerships and influence stakeholders across the organization + Strong understanding of operational and regulatory risks + Proficiency in risk management tools, data analysis, and reporting systems + Advanced analytical and problem-solving capabilities, with a focus on actionable insights + Detail-oriented and proactive, with strong prioritization skills in a dynamic environment + High ethical standards and a commitment to integrity and accountability + Knowledge of consumer bank products and services **Qualifications** Salary Range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) 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 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: + 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. 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 Pay Transparency Policy Statement. If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to 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. **Job:** Risk **Primary Location:** US-Florida-Sunrise **Other Locations:** US-Arizona-Phoenix, US-North Carolina-Charlotte, US-Georgia-Atlanta, US-Ohio-Columbus, US-Utah-Sandy **Schedule** Full-time **Req ID:** 25002742