JOB DESCRIPTION

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 team is driving AXP's innovation for banking services, identifying Member needs, and supporting the operational excellence of our digital banking products.

The Senior Analyst, Product Operations & Regulatory Compliance is responsible for supporting the ongoing governance, compliance, operational readiness, and regulatory reporting obligations associated with American Express National Bank (AENB) deposit products. This role serves as a key liaison across Product, Compliance, Technology, and Servicing teams to ensure regulatory requirements are implemented, monitored, and maintained through effective controls, reporting, issue management, and process governance.

The successful candidate will lead ongoing regulatory assessment activities, support data remediation initiatives, maintain operational procedures, and execute compliance-related programs including ongoing FDIC 370 compliance .

RESPONSIBILITIES

• Lead FDIC 370 self-assessment activities and governance meetings with Deposit Banking Platform, 3 rd party technology platform provider FIS, and other stakeholders.
• Coordinate Quarterly documentation and maintenance of assessment evidence, testing results, and supporting artifacts.
• Execute all business testing activities in accordance with established platform playbooks.
• Track, monitor, and escalate regulatory risks, issues, dependencies, and action items through maintenance of RAID logs.
• Produce recurring governance and status reporting for AENB leadership and regulatory oversight forums.
• Support ongoing data quality reviews and remediation efforts.
• Investigate and resolve data quality alerts focused on resolving customer linkage issues, FDIC insurance ownership rights issues, beneficiary-related exceptions, etc.
• Maintain and update operating procedures and process documentation.

QUALIFICATIONS

Minimum Qualifications

• Bachelor's degree or equivalent experience.
• 2+ years of experience in banking operations, regulatory compliance, product operations, risk management, or related financial services roles.
• Experience supporting deposit products and banking regulatory requirements.
• Strong analytical and problem-solving skills with the ability to interpret complex data and identify trends.
• Experience managing multiple workstreams, priorities, and stakeholder groups simultaneously.
• Strong written and verbal communication skills, including documentation and executive reporting.
• Proficiency in Microsoft Excel, PowerPoint, and data analysis tools.
• Ability to work independently in a fast-paced and evolving environment.

Preferred Qualifications

• Experience supporting FDIC 370 compliance programs and regulatory reporting requirements.

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

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.