Senior Manager - Consumer Compliance and Financial Crimes

American Express•Phoenix, AZ

12d•$103,750 - $174,750•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. 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 USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day. How will you make an impact in this role? We are seeking a highly motivated and knowledgeable First Line of Defense (1LOD) Consumer Compliance and Financial Crimes Manager focused on ensuring risk and control management is embedded in the day-to-day operations of our organization. This first-line role will involve extensive collaboration with partners across business units, functional areas, and geographies. The role will support the identification, assessment, and mitigation of consumer compliance and financial crime risks—such as consumer protection, money laundering, fraud, bribery, and sanctions violations—within the business. This role serves as a point of contact within the business for consumer compliance and financial crimes risk matters and works in close coordination with compliance partners in the second line of defense to ensure adherence to all applicable laws and internal policies.

Requirements

5+ years of experience in consumer compliance, AML, financial crimes compliance, or business risk roles within a financial institution.
Strong understanding of Consumer regulations and financial crimes laws
Proven ability to assess risk, implement controls, and collaborate across functions.
Strong analytical and problem-solving skills.
Excellent written and verbal communication abilities.
Sound judgment and decision-making under pressure.
Ability to guide and educate business partners on risk concepts.
Experienced in project management and working in a matrixed organization.

Nice To Haves

Bachelor’s degree in finance, criminal justice, business administration, or a related field.
CAMS, CRCM, CFE, or similar professional certification.
Experience working in a first or second line of defense compliance function.
Familiarity with compliance testing- complaints, customer promises, customer risk rating, transaction monitoring, and suspicious activity reporting processes.
Familiarity with regulatory frameworks (specifically Reg D, Reg Z, Reg J)

Responsibilities

Contribute to the development and maintenance of business processes, business data, and reporting channels to support compliance policies and governance functions
As needed, prepare materials for applicable committees and Sr. Management reporting .
Provide complete, accurate, and timely information to 2LOD partners
Contribute to the design and implementation of testable controls to mitigate risks for the BU
Participate in processes to remediate issues impacting controls, processes, data, and customer harm
Provide consultation on new product initiatives and business projects
Lead 1LOD activities supporting the enterprise compliance risk assessment program
Support the development and tracking of Key Risk Indicators (KRI) and other performance metrics to measure the health of the control environment
Support the development and maintenance of compliance risk assessments and associated controls and testing aligned with enterprise policy and regulatory expectations.
Partner with business leadership to embed compliance risk management into day-to-day operations, new product development, and client onboarding.
Monitor and report on compliance risk indicators, emerging threats, and control effectiveness to business and risk leadership.
Escalate and remediate control issues or potential violations in partnership with compliance, legal, and audit functions.
Support internal and regulatory exams, audits, and inquiries related to financial crimes.
Coordinate compliance-related training and awareness programs for front-line staff.
Maintain detailed documentation and records to demonstrate compliance with regulatory and internal standards.

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