Analyst - Consumer Deposit Product Governance and Oversight

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

The Consumer Banking Services Organization was created to meet ongoing American Express Members’ financial services needs beyond the card and build upon a broader Membership promise. This recently formed team is driving AXP’s innovation for banking services, identifying Member needs’ and innovating around new digital banking products. This exciting opportunity is core to driving future success of American Express.

The Analyst Consumer Deposit Product Governance and Oversight will ensure our Consumer Deposit Products (Checking, Savings, Time Deposits and IRAs) are operating in accordance with our promises to our members as well as meeting all regulatory obligations. The successful candidate will assist in the design, development and execution of oversight and governance activities that effectively maintain strong compliance and controls while enabling the business to grow at increasing scale and ensuring product operational and regulatory capabilities are enabled and operating effectively.

Responsibilities:

• Partner with Operational Excellence, Compliance and Risk partners on design of effective control tests and oversight activities.
• Assist in the management of ongoing adherence of the deposit products with applicable Amex internal policies and standards
• Perform compliance testing for deposit products including oversight of KRIs, and testing of PRSA controls, and RBST testing
• Be a key member of the Process Owner Delegate team and partner with Operational Excellence and other team members to complete the annual Process Risk Self-Assessment (PRSA) refresh process and coordination of all PRSA control testing
• Oversight of KRI/Smart Monitoring alert response management & escalation and issues identified through PRSA Control failures or RBST testing exceptions.
• Partner with Product Management & Development to ensure appropriate control design for new products and features.
• Assist with the closure of Management Action Plans and Compliance Action Plans owned by Consumer Banking Product Management.
• Promote a control and compliance mindset across the Consumer Deposit products organization and increase visibility of our control and compliance framework and results.
• Establish strong relationships with back-office servicing, AET, compliance, privacy, legal and product partners

Minimum Qualifications

• Prior experience with controls, compliance, or operational excellence focused roles
• Strong affinity for process management and quality assurance
• A curious person committed to understanding every aspect of the consumer deposits business.
• Excellent project management and prioritization skills, with a focus on results
• Detail-oriented and able to produce clear documentation and reports for various audiences
• Relationship builder with strong collaboration and influence management skills who excels at bringing multiple cross-functional teams together toward common goals
• Positive “roll-up your sleeves” attitude and ability to work with a ‘start-up’ mentality in a fast-paced environment
• Maturity and flexibility to adapt as new organization grows and evolves

Salary Range: $55,000.00 to $105,000.00 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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 work arrangements and schedules with hybrid and virtual options with Amex Flex
• 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.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

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.

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.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and supplement and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

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