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 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.

Function Description:

The Global Merchant & Network Services (GMNS) organization is responsible for managing relationships with millions of Merchants and Partners around the world that facilitate American Express acceptance and enabling the day-to-day operations of our company’s payment network. The people, processes, and technology that support this vital function are evolving to improve the merchant experience and economics. Within GMNS, the Global Strategy, Operations & Performance (GSOP) team’s mission is to deliver a best-in-class premium merchant member experience that will get merchant to not only accept American Express but openly welcome and recommend us to their customers.

We are seeking a detail-oriented and proactive First Line of Defense (1LOD) Compliance Analyst 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.

Key Responsibilities:

• Support front-line business teams with understanding and applying complaints-related policies and basic regulatory requirements.
• Assist with complaints oversight activities to help support GMNS alignment with internal policies and governance standards.
• Prepare and support monthly complaints oversight deliverables, including data collection, basic monitoring, reporting, and tracking of issues.
• Review complaint data to help identify common themes or trends and flag potential issues for further review.
• Coordinate with GMNS markets and functional teams to support consistent application of complaints processes and procedures.
• Assist with maintaining complaints frameworks, tools, and trackers to support standardization and transparency.
• Track action items and remediation activities and help ensure updates are documented and followed up in a timely manner.
• Support monitoring activities related to consumer protection and conduct requirements as they relate to complaints handling.
• Document complaints-related issues and support remediation tracking resulting from monitoring, audits, or exams.
• Maintain complaints governance documentation, including procedures, process documents, and training materials.
• Support coordination with Compliance, Legal, and Risk partners by helping gather information, track requests, and document outcomes.
• Assist in preparing reports and summaries on complaints metrics and trends for key stakeholders.

Qualifications:

Required:

• Bachelor’s degree in business, finance, law, or a related discipline.
• 2+ 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 E, Reg Z, Fair Lending, Privacy).
• Experience supporting compliance or operational risk within a business or first line function.

Preferred:

• Bachelor’s degree in business, finance, law, or a related discipline.
• Familiarity with issue management, risk assessments, and control testing processes.
• Experience working in a matrixed environment or with cross-functional teams.

Key Competencies:

• 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

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

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.

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