Senior Analyst-Risk Management

Global Risk & Compliance
Global Risk & Compliance (“GRC”) independently oversees the company’s compliance, risk-taking and risk management activities, including the comprehensive identification, management, and mitigation of risks within the Company’s risk appetite. GRC ensures the company operates in a safe, sound and fully compliant manner within all applicable regulatory expectations. We create and maintain the overall risk management framework while ensuring legal and regulatory compliance. We are passionate about our commitment to drive the company’s goals of growth and progress by creating a culture of awareness and proactivity around regulatory matters, and by partnering closely with business units across the enterprise to ensure we deliver maximum value to our shareholders and our customers efficiently and effectively.

Enterprise Risk Management & Risk Oversight

Enterprise Risk Management & Risk Oversight (ERM&RO) leads and continuously enhances the enterprise risk management framework across risk stripes to ensure its effectiveness, partnering with business units and control functions to collectively manage risk. We provide independent oversight that enables the enterprise to operate in a safe and sound manner while pursuing its growth objectives. ERM&RO safeguards the company’s long-term resilience, reputation, and stakeholder value by overseeing risk frameworks; strengthening risk culture; aligning risk appetite with strategy; aggregating and reporting risk data; and delivering effective challenge across key decisions. We also lead global regulatory exam management and remediation, drive risk and compliance and financial crimes technology and AI modernization, and advance enterprise transformation initiatives to ensure scalable, compliant, and forward-looking risk management practices. 
Within ERM&RO, Enterprise Risk Management and CRO GMNS & International- Oversees risk frameworks across International markets and serves as the central point of aggregation across GRC for GMNS and International. Responsible for building best-in-class risk programs for Capital Management and Recovery & Resolution Planning Oversight and Network Governance.

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 our 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.

Key Responsibilities:

• Develop risk tolerance limits, and establish risk appetite metrics and escalation thresholds for all major risk types
• Support development of International ERM Memo, which aggregates key highlights across international legal entities to provide a consolidated view for senior leadership consumption
• Support development of key risk metrics as per enterprise standards. Assist in any area specific projects from time to time.
• Identify emerging risks in accordance with the risk appetite program
• Support development of policies, practices, and other control mechanisms to manage key enterprise risks
• Monitor and report on international legal entities’ aggregate risk profile, initiating appropriate actions to ensure adherence to risk appetite
• Support the creation of dashboards and other reporting tools for all major risk types and provide regular updates to applicable Legal Entity boards, International leadership and Risk leadership

Minimum Qualifications:

Experience and Background:

• Strong business and risk acumen with a risk-reward control perspective

  
  

• Experience in ERM function

  
  

• Strong analytical ability to connect disparate risks with the ability to measure them

  
  

• Good understanding of Credit Risk, Fraud Risk, Operational Risk, regulatory nuances and banking industry;

  
  

• Demonstrated ability to successfully manage multiple priorities;

  
  

• Advanced degree in business, engineering, economics or a related field is preferred

  
  

• Strong knowledge of SAS/SQL/ Hive/ Python / R / BigQuery would be preferred

  
  

Leadership Skills:

• Excellent relationship and partner management skills with the ability to build productive relationships across teams and levels of seniority;

  
  

• Strong verbal and written communication skills;

  
  

• Ability to communicate risk observations to colleagues, business partners and senior leaders;

  
  
• Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged;

• Proactive in identifying issues, delivering and escalating key findings, and advising on recommended solutions to correct issues or mitigate risks;