JOB DESCRIPTION

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.

US Consumer Services is seeking a Manager of Risk Identification & Assessment focused on proactively identifying, assessing, mitigating, and reporting Operational Risk across business unit processes supporting Global Lounges, Travel & Lifestyle Services, and U.S. Insurance. This role is responsible for ensuring compliance with regulatory requirements and American Express policies while strengthening business resilience through the effective assessment and management of inherent and residual risks.

The Manager will play a key role in embedding a strong risk and control environment within day-to-day business operations. This position requires extensive collaboration across multiple business units and functional areas to drive risk assessments, evaluate control effectiveness, support risk mitigation activities, and enhance the overall operational risk management framework.

RESPONSIBILITIES

The Manager USCS Risk ID & Assessment 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., Risk & Control Self Assessments (RCSAs)) in addition to further assessments and testing / QA programs to ensure regulatory and internal standards are met (e.g., periodic RCSA reviews and update assessment criteria to align with regulatory updates)
• Manage control monitoring (supplemental to BU process owners testing) and compile key operational risk trends, activities, and events to senior management, to facilitate informed decision-making
• Manage 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
• Support risk management practices within the business
• Support BU with identification of risks and spotting areas where product changes or improved controls may be required within New Product Governance (NPG)
• Champion risk management practices within the business

QUALIFICATIONS

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
• Demonstrated ability to leverage AI and advanced analytics to modernize operational risk management practices, enhancing risk identification, monitoring, and control effectiveness.
• Experience in financial services industry

Preferred Qualifications:

• 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
• Managing independent control monitoring, including identification of control improvements
• Overseeing identification of areas of risk for intervention, including conducting independent quality assurance and process testing
• Managing thematic risk reporting to provide actionable insights on risk levels, emerging trends and root causes

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

ABOUT US

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.

ABOUT THE TEAM

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 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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The below 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.