Analyst-Compliance Termination of Accounts

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Global Financial Crimes Surveillance Unit (GFCSU) and the US Investigations Unit (USIU) are part of the broader Global Risk & Compliance organization, operating within Global Financial Crimes Compliance (GFCC). Together, they provide end-to-end oversight and support of global financial crimes investigations. In partnership with GFCC, GFCSU and USIU develop and implement transaction monitoring rules, reports, and other tools to detect potential criminal activity.

They investigate suspicious financial behavior and, when necessary, file Suspicious Activity Reports (SARs) with the Financial Crimes Enforcement Network (FinCEN) or refer cases to internal compliance partners for global reporting. These teams also manage risk related to politically exposed persons (PEPs) through sanctions screening and enhanced due diligence processes, as well as improper payments that may signal bribery, corruption, or other illicit conduct.

GFCSU and USIU play a vital role in ensuring compliance with key regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and the Foreign Corrupt Practices Act. They also support law enforcement by providing critical information to combat money laundering, terrorist financing, credit card fraud, identity theft, and other financial crimes.

The Termination of Accounts (TA) team is responsible for evaluating customer relationships for termination and/or prevention of future accounts, due to money laundering, reputational risk, and/or other relevant factors.

Job Responsibilities:

* The TA Analyst will be responsible for analyzing referrals to the TA team related to instances of potential money laundering activity and/or suspicious financial activity across multiple jurisdictions and countries, utilizing a wide variety of research and analytical tools.

* Conduct time-sensitive and thorough account reviews to make recommendations regarding account terminations and the prohibition of customers from establishing new American Express relationships

* Build strong relationships with strategic partners, internal GFCC colleagues and TA team members to ensure effective coordination of significant case reviews and TA reviews

* Produce well-written reports detailing and analyzing potentially suspicious activity and, when appropriate, collaborate with GFCC leadership on account termination decisions

* Demonstrate excellent verbal and written communication skills; a keen attention to detail in writing and analysis; proven analytical and problem-solving skills; and an ability to manage multiple varied projects simultaneously

Minimum Qualifications:

* Minimum of two years of professional experience in the legal, audit, investigations, compliance, or financial services, with demonstrated responsibility in research, analysis, or risk related work.

* Proficiency in Microsoft Excel, Microsoft Word, and internet-based research

* Strong written and verbal communication skills, with proven ability to analyze and present complex information clearly

* Strong analytical skillset with keen attention to detail while handling confidential and complex work.

* Proven ability to manage multiple priorities, meet tight deadlines, and collaborate effectively in a team-oriented environment.

Preferred Qualifications:

* Bachelor's degree in a relevant field such as a Criminal Justice, Finance, Accounting, Statistics, Journalism, or a related discipline.

* Detailed knowledge and understanding of American Express SAR filing requirements and AML investigations

* Flexibility and adaptability in navigating evolving regulations and compliance requirements

* Certified Anti-Money Laundering Specialist…