Director-Compliance

American Express•Sandy, UT

22h•$123,000 - $215,250

About The Position

The Director, Compliance Officer – U.S. Credit & Fraud Risk will serve as a line-of-business compliance leader within American Express’s Global Compliance & Ethics organization, providing compliance oversight for the U.S. operations of the Credit and Fraud Risk organization. The role leads a team delivering independent compliance oversight and second-line effective challenge to help ensure the business maintains an effective framework for compliance with applicable internal policies, laws, and regulations. The Director leads compliance engagement with business stakeholders across the credit and fraud lifecycle, including oversight of products, processes, models, and risk-management activities. The role manages the U.S. compliance program and team, supports issue management and regulatory examinations, and coordinates compliance risk assessment and related oversight activities. The position also collaborates with colleagues and subject-matter experts across Global Compliance & Ethics, Global Risk & Compliance, and other American Express organizations.

Requirements

Essential knowledge of U.S. credit laws and regulations, including UDAAP, the Electronic Fund Transfer Act (Reg E), the Equal Credit Opportunity Act (Reg B), the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Truth in Lending Act (TILA/Reg Z), Reg V, Fair Lending requirements, the Servicemembers Civil Relief Act, the Military Lending Act, privacy regulations, emerging AI regulations, and other applicable federal and state laws and regulations.
Ability to research, assess, and determine regulatory impacts on business systems, processes, and initiatives.
Excellent collaboration, teamwork, and project-management skills, including the ability to work effectively in cross-functional teams in a fast-paced environment.
Ability to drive business results, think creatively, manage competing priorities, and adapt to frequent change.
Effective verbal and written communication skills, including the ability to persuade and influence constituents at multiple levels.
Strong interpersonal skills and the ability to interact effectively at multiple organizational levels and with external counterparties.
Ability to understand and integrate business operational and systemic details when applying legal and policy requirements.
Self-motivation, high personal energy, and commitment.
Eligibility to work in the United States; American Express will not pursue visa sponsorship.

Responsibilities

Lead engagement with Credit and Fraud Risk business stakeholders and provide effective challenge on compliance and regulatory requirements related to projects, strategies, and credit, fraud, and marketing models, including AI and GenAI models.
Review and oversee compliance risk management activities and strategies across the credit and fraud lifecycle for Card, non-Card lending, and banking products, including consumer and commercial products.
Participate in Credit and Fraud Risk councils and planning meetings, challenging new, existing, and evolving products, services, and capabilities and ensuring appropriate compliance processes and controls are established.
Manage a team of Compliance professionals delivering the U.S. Credit and Fraud Risk Compliance Program, including Compliance Risk Assessment and Regulatory Change and Inventory Management.
Provide guidance and effective challenge concerning business-owned Key Risk Indicators and Regulatory Business Self-Testing, as required.
Develop and retain talent, support colleagues’ career goals, and foster collaboration and information sharing.
Collaborate with colleagues across Global Compliance & Ethics, second-line oversight teams within Global Risk & Compliance, the General Counsel’s Organization, and other stakeholders.
Support issue management by ensuring appropriate decisions on compliance issues, timely closure of identified gaps, and customer remediation when required.
Support regulatory examinations, internal audit reviews, compliance monitoring and testing, and related efforts.
Coordinate execution of the Compliance Risk Assessment, including reviewing legal inventories, mapping laws and regulations to business processes, assessing the control environment, communicating results, reviewing action plans, and following up on identified gaps.
Support execution and implementation of compliance oversight activities, including monitoring and assurance, recordkeeping, and data and trend analysis.
Promote industry and internal best practices and incorporate regulatory feedback to drive continuous improvement.

Benefits

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 of paid parental leave for all parents, regardless of gender, for pregnancy, adoption, or surrogacy
Free access to global onsite wellness centers staffed with nurses and doctors, depending on location
Free and confidential counseling support through the Healthy Minds program
Career development and training opportunities