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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.

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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.

Manager, U.S. Consumer Credit Card Compliance

This position will play a critical role within the Line of Business Compliance team supporting the U.S. Consumer Cards, with a high focus on Co-Brand card portfolios and will be responsible for providing advisory and compliance oversight for these areas. The position will provide strategic support to drive innovation for the business while building an effective framework for compliance with applicable laws and regulations for U.S. Consumer Co-Brand products, features, and processes. Focus will be dedicated to second line compliance oversight of Co-Brand product development, marketing reviews, testing strategies, risk management initiatives including issue management, process controls, customer communications, complaints and third-party mystery shopping.

Responsibilities

Provide Compliance oversight, challenge and guidance to USCS Card business partners on compliance/regulatory requirements applicable to projects including new product launches. This requires providing effective challenges to our business partners while also interacting effectively with them and other support units to ensure proper communication and collaboration across organization lines. Review and challenge marketing campaign strategies and advertising (audio/visual) materials and serve as Compliance subject matter expert on applicability of consumer credit laws including but not limited to Truth in Lending, UDAAP and Fair Lending. Research laws, regulations, American Express National Bank and Enterprise level policies and procedures to provide guidance to business partners regarding regulatory requirements. Support and challenge the business’ initiatives through the New Product Approval (NPA) process and integration of effective controls, testing & ongoing monitoring into new and existing processes. Effectively support and challenge the Bank’s Corrective Action process and policy to ensure timely closure of gaps, customer remediation and other milestones, where required. Support our business colleagues by providing effective challenge when required, helping them reach their goals while meeting their regulatory obligations. Serve as a backup for fellow Compliance Managers within the team during leaves and special assignments. Keep abreast of U.S. consumer regulations and trends for potential impact to Compliance risk assessments.

Minimum Qualifications

Must possess a proficient knowledge of U.S Consumer open-end credit laws and regulations and banking regulations governing credit card activities and their impact on Bank’s products, operations, and services. Ability to research, assess and determine regulatory impact to business initiatives and influence decisions accordingly. Strong leadership skills and proven ability to communicate and collaborate effectively at all levels of the organization, including the ability to influence others to achieve desired results. Strong interpersonal skills to support business partners and proven ability to develop and grow relationships. Ability to identify and effectively communicate compliance risks and requirements to all levels of staff and management and assess the efficacy of business proposed mitigants. Demonstrated ability to make decisions independently, work well under pressure, meeting deadlines and handle multiple tasks while prioritizing work in a highly deadline-intensive environment.  Excellent written and verbal communication skills. Prior credit card industry, compliance, legal or risk experience, strongly preferred. Minimum Academic Requirements: Bachelor’s Degree, strongly preferred.

Salary Range: $90,000.00 to $165,000.00 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 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.

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