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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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?

The American Express Global Financial Crime Compliance (GFCC) function provides second-line policy, framework, oversight and control solutions to meet the Company’s legal, regulatory and risk management mandates in connection with Anti-Money Laundering (AML) and Counter Terrorism Financing (CTF), Sanctions and Anti-Bribery and Corruption. The GFCC portfolio comprises all aspects of the Company’s first and second-line financial crime risk management (FCRM) activities, including all lines of businesses in the Region and both proprietary and non-proprietary global markets.

As a member of the EMEA Regional Financial Crime Compliance/Money Laundering Reporting Officer (MLRO) organization, the candidate will serve as a point of contact for any Region Joint Ventures (JVs) and Global Network Partners (GNPs). This individual will work closely with Market Compliance Officers (MCOs) and Line of Business Compliance Officers (LOBCOs) and will assess both enterprise and local financial crime risks and regulatory environment to effectively monitor compliance with the American Express FCRM policy and other related policies and standards. Submission of regular reports, escalations to relevant governance committees and participation in oversight meetings with American Express partners (where applicable) will be also part of the role/responsibilities.

As part of the Second Line of Defense, the candidate will:

• Provide AML regulatory advice/guidance to key stakeholders including compliance colleagues and First-Line teams.
• Identify and analyze AML legal requirements applicable across the Regions’ partnerships and joint ventures, ensuring a globally consistent, risk-based approach to FCRM that meets compliance requirements.
• Act as an AML Subject Matter Expert to meet all relevant external and internal applicable AML regulatory requirements. Definition and setting of AML regulatory standards and positions and subsequent socialization and training
• Compliance AML acknowledgment of Operational Risk Events where AML review and input is needed
• Management of AML regulatory interactions and AML regulatory reporting
• Perform AML risk assessments/evaluations of existing and new JVs and GNPs, as well as other partnerships and other business initiatives, identifying, assessing and mitigating associated AML risks
• Active presenter and attendee of Governance Committees

Minimum Qualifications:

• At least two-three years of Compliance related work experience in an EU bank, financial/payments institution, non-banking financial services industry and/or other regulated entity
• University Degree in Law/Business Management. Working knowledge of payment services and AML/CTF regulations will be a plus
• Experience in providing AML regulatory advice to the business and to 1 line teams
• Strong communication skills, multi-tasking and problem-solving approach
• Detail oriented, strategical mindset, analytical attitude
• Fluency in English, both verbal and written is a must
• Ability to build strong relationships with business partners, compliance stakeholders and other peers
• CAMS and/or ICA Certifications is a plus
• Curiosity and pro-activity – a drive to learn and take initiative
• Regulatory interactions experience

Employment eligibility to work with American Express in Spain is required as the company will not pursue visa sponsorship for these positions.

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

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