Senior Manager – US Consumer Services Compliance, Privacy Risk

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.

How will you make an impact in this 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.

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

New Product Approval:

• Coordinating, executing and providing consultation throughout the BU's NPA process
• Drafting NPA risk assessment and managing disclosures
• Performing mapping of new products by the BU RCSA and controls

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 Privacy laws, regulations, and internal standards (e.g., CCPA, GDPR, GLBA, and other Privacy regulations).
• 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 Privacy and U.S. banking regulations (e.g., UDAAP, Reg E, Reg Z, Fair Lending, Privacy (CCPA, GDPR, GLBA, etc.)).
• Experience supporting compliance or operational risk within a business or first line function.

Preferred:

• Privacy Certification (e.g., CIPP/CIPM/CIPT) or other Privacy Certification would be strongly preferred
• 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

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
• Support for financial-well-being and retirement
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• 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

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.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.