American Express · 1 month ago
Vice President, U.S. Consumer Services Compliance
New York, New York, United States
Full-time
Hybrid
Senior Level
$177K/yr - $282K/yrAmerican Express is a company with a long history of innovation and a commitment to its customers. They are seeking a Vice President to lead the Global Compliance & Ethics organization, overseeing a comprehensive regulatory compliance program for the US Consumer business unit and managing a team of compliance professionals.
Credit CardsFinanceFinancial ServicesPaymentsTravel
No H1B
Responsibilities
Manage a team of approximately 15 Compliance professionals in the second line of defense to execute all aspects of the Compliance program, including policies, risk assessment, monitoring, issue management, and oversight of Compliance monitoring and testing
Ensure Compliance officer standards across team in the overall engagement model with the business are met in accordance with the enterprise Compliance Risk Management Policy
Represent Compliance as a member of the relevant business unit leadership teams and planning exercises, as well as appropriate project and control teams, as required
Actively participate in U.S. Consumer Services committees and governance forums and act as delegate in broader meetings for the Senior Vice President of U.S. Consumer Compliance as needed
Provide advice and effective challenge to the first line of defense controls and control design through activities including issue management, monitoring, new product approval and Risk and Control Self-Assessment
Provide independent oversight and effective challenge on the development and execution of first line of defense plans in response to new regulations
Engage effectively across the entire second line of defense including peer organizations of Legal Entity or Country Compliance Officers, Subject Matter Regulatory Experts (such as Fair Lending, UDAAP, Privacy and Financial Crimes), and Compliance Program Teams (such as Compliance Risk Assessment and Independent Compliance Testing)
Execute the Compliance Risk Assessment, providing an independent compliance evaluation of inherent risk, control effectiveness and residual risk ratings
Provide input to the Annual Compliance Plan and monitor adherence to it throughout the year
Provide oversight of the Compliance Issue Management process and ensure appropriate decisioning of Compliance-relevant issues, timely closure of gaps and customer remediation where required
Ensure appropriate consumer business-specific compliance policies, procedures, training, and communications programs are in place, and in alignment with Company-wide policies and programs and appropriate for the business activities and inherent compliance risks
Support regulatory examinations, internal audit reviews, Compliance monitoring and testing, and related efforts
Develop and retain talent to maintain a strong team and motivate colleagues to achieve career goals, as well as to promote collaboration and information sharing to make decisions more effectively
Promote the usage of industry and internal best practices and incorporating regulatory feedback to drive continuous improvement
Provide proactive advice on emerging regulatory risks and issues
Qualification
Required
Proven understanding of the three lines of defense model and ability to operate effectively as an independent second-line function
Knowledge of and proficiency with US deposits and open-end credit laws and regulations, including assessing applicability to American Express' products & services, and specific proficiency with UDAP/UDAAP, Regulation Z, and other consumer protection regulations (i.e., Regulation E, Regulation DD, and Regulation CC)
Ability to research, assess and interpret consumer business processes and determine the regulatory impact to business initiatives and influence
Balanced, effective and inspiring leadership, focused on building, developing, and motivating a diverse and capable team
Strong relationship management and collaboration capabilities across the enterprise at all levels
Exceptional thought leadership skills with the ability to raise credible challenge and innovate
Ability to balance & prioritize effectively and manage deliverables in a deadline-driven environment
Outstanding judgment and flexibility, identifying and reacting to critical issues in a timely manner
Excellent verbal and written communication skills, including presentation and storytelling abilities to Senior Leaders across the enterprise
Demonstrated ability to make decisions independently, work well under pressure, meet deadlines, and adapt easily to change
Employment eligibility to work with American Express in the U.S is required as the company will not pursue visa sponsorship for these positions
Preferred
Experience in Risk or Compliance (second line of defense) supporting consumer related business units within Financial Services or other like global businesses in scope and complexity preferred; Audit, legal experience, or equivalent work experience considered
Certifications in compliance (e.g., CRMC) desirable
Benefits
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
Company
American Express
American Express is a financial services company that provides credit cards, charge cards, payment solutions, and related services.
Founded in 1850
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
unknown1978-01-13IPO
Leadership Team
Brett Mooney
CEO & Country Manager, American Express Canada
Stephen J. Squeri
Chairman and CEO
Recent News
San Gabriel Valley Tribune
2026-01-17
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