Analyst - Compliance US Investigations Unit Enhanced Due Diligence

American Express•Sunrise, FL

7d•$65,500 - $102,500•Hybrid

About The Position

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. American Express’s Global Financial Crimes Surveillance Unit (GFCSU) and the US Investigations Unit (USIU) are part of the broader Global Risk & Compliance organization, operating within Global Financial Crimes Compliance (GFCC). Together, they provide end-to-end oversight and support of global financial crimes investigations. In partnership with GFCC, GFCSU and USIU develop and implement transaction monitoring rules, reports, and other tools to detect potential criminal activity. They investigate suspicious financial behavior and, when necessary, file Suspicious Activity Reports (SARs) with the Financial Crimes Enforcement Network (FinCEN) or refer cases to internal compliance partners for global reporting. These teams also manage risk related to politically exposed persons (PEPs) through sanctions screening and enhanced due diligence processes, as well as improper payments that may signal bribery, corruption, or other illicit conduct. GFCSU and USIU play a vital role in ensuring compliance with key regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and the Foreign Corrupt Practices Act. They also support law enforcement by providing critical information to combat money laundering, terrorist financing, credit card fraud, identity theft, and other financial crimes. How will you make an impact in this role: Customers who present higher money laundering or terrorist financing risks are subject to periodic enhanced due diligence reviews. The USIU’s High-Risk Enhanced Due Diligence (EDD) Team is responsible for conducting annual investigative reviews of high-risk customers who hold U.S. issued products with American Express.

Requirements

Two or more years of combined experience in a related field, such as compliance, law enforcement, legal, audit, fraud investigations, banking/financial services industry
Strong analytical and research skills with the ability to identify and resolve complex issues
Proficiency in Microsoft Excel
Effective time management and organizational skills
Demonstrated ability to collaborate within a team environment

Nice To Haves

Two or more years of experience in AML or EDD investigations
Basic understanding of BSA/AML requirements and Federal Financial Institutions Examination Council guidelines as they relate to EDD in general
Experience guiding processes and mentoring others, with the ability to support team development and share expertise.
Bachelor’s degree in a related field
CAMS certification

Responsibilities

Conduct thorough, comprehensive EDD reviews of high-risk customers utilizing a variety of research and investigative tools, while adhering to procedures, guidelines, and regulatory requirements.
Use a variety of internal and external systems to carry out compliance functions
Produce detailed summary and analysis of customer and transactional activity and, when appropriate, refer potentially suspicious activity to the SAR and/or Account Termination process(es)
Collaborate with compliance partners across the enterprise to ensure proper review and risk assessment of high-risk customers
Work effectively to meet aggressive inventory deadlines and support management objectives
Build strong relationships with strategic partners across the GFCSU and USIU to ensure effective coordination of significant investigations
Ability to multi-task and pivot quickly in a fast-changing environment

Benefits

Competitive base salaries
Bonus incentives
6%25 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