Senior Manager - US Consumer Services Compliance, Internal Fraud Risk

** Description*
* 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. As part of Team Amex, you'll experience this 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.

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 Consumer Travel & Lifestyle Services, the Centurion Lounge network, Global Dining, U.S. Consumer Banking, Amex Offers, 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.

** About the role*
* American Express is seeking a detail oriented and proactive First Line of Defense (1

LOD) Compliance Senior Manager to support the business in managing compliance risk across products, processes, and customer interactions. This role plays a key part in ensuring that day-to-day operations align with regulatory requirements and internal policies, working closely with both business and compliance partners. The ideal candidate has strong regulatory knowledge, a process mindset, and the ability to translate risk concepts into practical actions.

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* Key Responsibilities:

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* + Act as a compliance risk advisor to front-line business teams, helping them understand and comply with applicable regulatory obligations.

+ Support the execution of compliance risk assessments and ongoing monitoring activities within the business unit.

+ Partner with operations, product, and technology teams to design and enhance controls that mitigate regulatory and operational risks.

+ Monitor business activities for compliance with laws, regulations, and internal standards (e.g., UDAAP, Fair Lending, Privacy, BSA/AML).

+ Track and remediate compliance issues and control gaps identified through monitoring, audits, or regulatory exams.

+ Maintain and update business-level compliance documentation, including procedures, control descriptions, and training materials.

+ Collaborate with second line Compliance and Legal teams on policy interpretation, regulatory change implementation, and incident response.

+ Support compliance testing, audit readiness, and business responses to regulatory inquiries and examinations.

+ Assist with delivery of compliance-related training to business staff.

+ Contribute to reporting of compliance metrics and trends to business leadership.

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* Minimum Qualifications:

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* + Bachelor's degree in business, finance, law, or a related discipline.

+ 4  years of experience in compliance, risk management, or control-related roles in financial services.

+ Working knowledge of key U.S. banking regulations (e.g., BSA/AML, UDAAP, Reg Z, Fair Lending).

+ Experience supporting compliance or operational risk within a business or first line function.

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* Preferred Qualifications:

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* + Compliance or risk certification (e.g., CRCM, CAMS, CCEP).

+ Familiarity with issue management, risk assessments, and control testing processes.

+ Experience working in a matrixed environment or with cross-functional teams.

** Skills &

Competencies:

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* + Strong attention to detail and critical thinking skills

+ Ability to analyze regulatory requirements and apply them in a business context

+ Effective communication and relationship-building skills

+ Proactive, self-motivated, and comfortable managing multiple priorities

+ Sound judgment and problem-solving capabilities

** Qualifications*
* Salary Range: $ to $ 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 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…