Senior Manager – US Consumer Services Compliance, Internal Fraud Risk

American Express•Sunrise, FL

9h•$103,750 - $174,750•Hybrid

About The Position

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.

Requirements

Bachelor’s degree in business, finance, law, or a related discipline.
4+ years of experience in compliance, risk management, or control-related roles in financial services.
Working knowledge of key U.S. banking regulations (e.g., BSA/AML, UDAAP, Reg Z, Fair Lending).
Experience supporting compliance or operational risk within a business or first line function.
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

Nice To Haves

Compliance or risk certification (e.g., CRCM, CAMS, CCEP).
Familiarity with issue management, risk assessments, and control testing processes.
Experience working in a matrixed environment or with cross-functional teams.

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 laws, regulations, and internal standards (e.g., UDAAP, Fair Lending, Privacy, BSA/AML).
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.

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