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.

 

General Counsel’s Organization – Manager & Counsel, Fraud & Lending

The General Counsel’s Organization (GCO) at American Express is seeking a Manager & Counsel to provide legal support to the Credit Fraud Risk (CFR) and Global Credit and Fraud Operations (GCFO) businesses. CFR functions are critical to the core businesses of Amex given the close interaction across all lines of business and the foundational nature of underwriting and customer management practices, which contribute to Amex’s industry-leading write-off rates and customer service results. CFR is tasked with building out increasingly complex credit and fraud controls, as well as servicing, operations and remittance procedures and strategy across Amex’s credit and charge cards, virtual payment accounts, non-card lending products, and bank deposit accounts. GCFO is a global and diverse organization that plays a critical role on the operational side of Risk to protect the company and enable growth, while playing an important role in servicing for customers. 

This position will serve on the GCO’s growing legal team that supports CFR and GCFO. The successful candidate will provide legal coverage to CFR on fraud, dispute handling, and fraud control and mitigation strategies, and payments strategies, policies, and capabilities in American Express’s lending products and services.  This position requires regularly navigating novel and rapidly evolving business and legal issues across a broad range of matters and working seamlessly with colleagues throughout the company.

Roles and Responsibilities:

• Provide legal advice on issues involving fraud in consumer and commercial lending products and services, including regulatory considerations, dispute handling, and fraud control and mitigation strategies.

• Stay abreast of regulatory and legal developments in the evolving global legal landscape around fraud and dispute handling; summarize regulatory developments.

• Contribute to assignments and projects across the GCO team supporting CFR and GCFO, including those intersecting with artificial intelligence, international matters, and the collections lifecycle.

• Routinely engage directly with business clients.

• Proactively protect the brand and reputation of American Express through legal advice and guidance regarding company activities and legal and regulatory compliance.

Skills and Qualifications:

• J.D. with admission to practice law in New York.

• 3+ years of relevant work experience in a law firm and/or in-house corporate legal environment.

• Experience with U.S. consumer financial regulatory matters, with working knowledge of the Truth in Lending Act and UDAAP.

• Interest in developing a strong understanding of business needs and objectives.

• Strong analytical and problem-solving skills, with passion for generating creative and innovative solutions.

• Ability to communicate complex issues clearly and persuasively, in both written and oral format, and to synthesize complex issues.

• Excellent collaboration and teamwork skills and ability to work well in cross-functional team settings.

• Ability to manage and prioritize competing demands while maintaining high attention to detail and meeting deadlines.

• Intellectually curious and self-motivated, high level of personal energy and commitment.
   

Additional Preferred Qualifications:

• Experience with the Electronic Fund Transfer Act and Regulation E is a strong plus.

• Experience with the Fair Credit Reporting Act and Equal Credit Opportunity Act preferred; experience with U.S. consumer financial regulatory and payments matters also preferred.

• Strong executive presence and ability to influence stakeholders.

• Demonstrated ability to build excellent relationships.

• Willingness and flexibility to be a team player and take on new responsibilities and challenges.

• Excellent oral and written communication skills.

Salary Range: $123,000.00 to $215,250.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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 
• 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 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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