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.

The objective of the US Consumer Services Control Management Risk ID, Assessment, Testing and Reporting team is to identify, assess, mitigate, and report on Operational Risk within BU processes for US Consumer Services to ensure adherence to regulatory standards, Amex policy and enhance the BU's resilience through managing a clear methodology of inherent and residual risk.

US Consumer Services is looking for a Manager of Risk ID, Assessment, Testing & Reporting focused on ensuring control management is embedded in the day-to-day operations of our organization. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.

The Manager, US Consumer Services Risk ID, Assessment, Testing & Reporting will :

· Provide additional identification of risks throughout business processes and systems (along with business process owners)

· Facilitate BUs in their risk assessments performance (e.g., Process Self Risk Assessments (PRSAs)) in addition to further assessments and testing / QA programs to ensure regulatory and internal standards are met (e.g., periodic PRSA reviews and update assessment criteria to align with regulatory updates)

· Conduct control monitoring (supplemental to BU process owners testing) and compile key operational risk trends, activities, and events

· Proactively help identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing

· Compile thematic risk reporting (levels, trends, causes) to provide actionable insights to BU on current risk levels, emerging trends and root causes

· Review categorization of controls and map against risks and processes (e.g., cross-BU process-control mapping)

· Advise BU with identification of risks and spotting areas where product changes or improved controls may be required within New Product Governance (NPG)

· Support risk management practices within the business

· Review risk dashboards and key risk indicators (KRIs) for ongoing monitoring

· Review risk profiles and an updated risk register(s)

· Support sharing insights, better practices, themes, etc. across the enterprise

Required Qualifications:

· 3+ Years experience in operational risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities

· Strong project management, communication, and interpersonal skills

· Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards

· Proficient analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively

Preferred Qualifications:

· Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous

· Experience in at least one of the following:

· Providing identification of operational risks throughout business processes and systems

· Facilitating risk assessment performance in addition to further assessments and testing programs to ensure regulatory and internal standards are met

· Enhancing risk assessments and associated methodologies

· Reviewing independent control monitoring, including identification of control improvements

· Identifying areas of risk for intervention, including conducting independent quality assurance and process testing

· Reviewing thematic risk reporting to provide actionable insights on risk levels, emerging trends and root causes

· Experience in financial services industry

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.