You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. How will you make an impact in this role? Building and working towards Finance platform transformation & Modernization. Good expertise with handling large volumes of data coming from many different disparate systems Good expertise with Core Java , multithreading , backend processing , transforming large data volumes Working knowledge of Apache Flink , Apache Airflow , Apache Beam, open source data processing platforms Working knowledge of cloud platforms like GCP. Working knowledge of databases and performance tuning for complex big data scenarios - Singlestore DB and In Memory Processing Cloud Deployments , CI/CD and Platform Resiliency Good experience with Mvel Excellent communication skills , collaboration mindset and ability to work through unknowns Work with key stakeholders to drive data solutions that align to strategic roadmaps, prioritized initiatives and strategic Technology directions. Own accountability for all quality aspects and metrics of product portfolio, including system performance, platform availability, operational efficiency, risk management, information security, data management and cost effectiveness. . Minimum Qualifications Bachelor’s degree in computer science, Computer Science Engineering, or related field is required . 7 + years of large-scale technology engineering and formal management in a complex environment and/or comparable experience. To be successful in this role you will need to be an good in Java, Flink, SQ, KafkaL & GCP Successful engineering and deployment of enterprise-grade technology products in an Agile environment. Large scale software product engineering experience with contemporary tools and delivery methods in a complex environment (i.e. DevOps, CD/CI, Agile, etc.). 7 + years of experience in a hands-on engineering in Java and data/distributed eco-system. Ability to see the big picture with attention given to critical details. Preferred Qualifications Knowledge o n Kafka , Spark Finance domain knowledge We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

At American Express, our culture is built on a 175-year history of courageous leadership, innovation, 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. With shared values and leadership behaviors, we’ll continue to set the standard for what it means to provide the best experience every day with premium products and services that help our customers achieve their aspirations. And we’ll do it in an environment where everyone is respected and valued and can reach their potential. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. Join Team Amex and let's lead the way together. 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. The objective of the US Consumer Services Control Management Issues, Events & Remediation team is to ensure timely identification, response, and resolution of risk events and issues to minimize impact, as well as to prevent recurrence through effective remediation and lesson learning. US Consumer Services is looking for a Sr. Analyst of Issues, Events & Remediation focused on ensuring control management is embedded in the day-to-day operations of our organization. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies. The Senior Analyst, US Consumer Services Issues, Events & Remediation will : Collaborate on investigation and conduct root cause analysis to address repeated issue types Perform quality assurance on documentation of certain issue/ORE type, urgency, severity/impact (e.g., impact analysis) Support portions of the remediation process, these may include: tracking progress validating resolution efficacy and communicating status updates to stakeholders Perform quality assurance on documentation and maintenance of records of specific issues/OREs and remediations to ensure transparency and accountability in the issue management process Identify trends in issues and events to identify potential systemic risks or control weaknesses within BU processes Support portions of the End-to-End (E2E) BU issue resolution process Perform sample testing of specific issues to ensure resolution is complete and effective Analyze data to assist in preparation of detailed reports on issue status, trends, and outcomes Support sharing insights, better practices, themes, etc. across the enterprise Creating reports and tableau dashboards for leadership, stakeholders and wider control management team Preparation of data for committee escalations, preparation of data for internal CM and Business meetings Design of Tableau dashboard for the wider control management team Required Qualifications: 2+ Years experience in operational risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities 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 Sound analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively Preferred Qualifications: Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous Experience in at least one of the following: Scoping, prioritizing, and support remediation of operational issues Experience investigating and conducting root cause analysis to address repeated operational ri sk issue types Facilitating quality assurance on documentation of operational risk issues and events Recommendation of remediation process for operational risk issues and events Performing Quality Assurance of documentation and maintaining records of operational risk issues and events to ensure transparency and accountability Supporting the BU E2E issue resolution process ORMCM 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

Y ou Lead the Way. We’ve Got Your Back With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. How will you make an impact in this role? Responsibilities- · Comprehensive financial planning for India ICS business, including forecasting key business drivers such as Billings, NCA, Attrition and for key P&L report lines including card fees, cost of card member services, marketing, etc. and help devising annual and long-range plans. The comprehensive financial planning includes indicating the projected performance of ICS business in India market over a future calendar year(s) thus reflecting the potential that India market has for AXP. · Supporting the Investment Optimization vertical, working with Acquisition teams and IO central teams on devising right channel and product mix strategy, tracking, monitoring key matrices such as NAA, TUFI, BBA, CPAs, for the market. · Support Planning for Investment Optimization – Top Down, Bottoms up Submission, CMV refresh, along-with leading quarterly reviews and performing deep-dives on Quarterly actualization process. · Review of Quarterly Consumer Product P&L and share key financial insights with Senior leadership and business partners. · Providing consultative and independent finance decision support to business heads on various initiatives and CBAs such as new product launches, existing product refreshes, acquisition dynamics and strategic marketing campaigns to drive growth in the market. · Detailed review of the ICS P&L along with variance analysis and identifying key trends such as increasing costs and help business remediate it. · Drive the variance analysis of financials and key indicators and ensure major variances are researched and accounted for prior to monthly senior management business unit reviews. · Drive and support Control & Governance activities for ICS India LFO including compliance with Spreadsheet Controls policy, PRSA certification, review of OREs, BCP and BIA assessment etc. · Support Legal Entity Financial result updates for Quarterly AEBC Board, CEC and NYSDFS Minimum Qualifications • 10-12 years of work experience in Finance decision support/ FP&A or equivalent role. • Chartered Accountant, MBA or equivalent professional experience Functional Skills/Capabilities In-depth understanding of Amex businesses Demonstrated ability to develop sophisticated financial models and draw value-add insights from large amounts of financial data Knowledge of data mining and analytics languages / techniques [e.g., SQL , Python, SAS] preferred to extract data from cornerstone/LUMI for analytics Technical skills Strong Excel and PowerPoint skills Knowledge of accounting processes and systems (TM1, Oracle, etc.,) Working knowledge of Data analytics platforms like Cornerstone, LUMI and visualization tools like Tableau, Power BI Behavior Skills/Capabilities · Strong communication skills, both written and oral; ability to interact with and build consensus across multiple levels of the organization · Demonstrated ability to solve unstructured problem statements and handle ambiguity · Demonstrated ability to partner and collaborate with senior executives and cross-functional teams and understand key business issues and concerns from multiple perspectives · Experience of managing people would be an added advantage 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex’s Global Loyalty and Benefits organization and let's lead the way together. Global Loyalty and Benefits Global Loyalty and Benefits powers the Membership Reward points, Amex Offers, Insurance, and Card benefits for 112+ million cards in 58+ markets worldwide. This Position is for Global Loyalty and Benefits Engineering Department. About the job We are looking for a Quality Engineer I to help in our transformation journey as we decommission legacy applications and move to our modern platform that is based on event driven architecture and employs cutting edge technologies such as Golang, Docker, Kafka and Postgres. This platform is highly scalable and capable of supporting up to 10,000 TPS. Key Responsibilities: · Understand the Loyalty and Benefits domain and how it powers the AMEX experience for customers · Learn and support our legacy applications and modern platforms to develop a deep understanding of all functional workflows. · Work closely with product owners and/or other technology counterparts globally as needed to further our initiatives targeting business growth, cost savings, platform maintenance and platform modernization. · Participate in agile development processes including sprint planning, stand-ups, demos and retrospectives · Ability to come up with multiple test automation framework solutions, present pros and cons and influence stakeholders towards a technical solution · Be actively involved in test automation low level design, coding, code reviews and unit and E2E testing in. Assist with production deployment and ensure smooth CI/CD pipeline process. · Deploy multiple needed components in test environment and perform test execution (automated and manual) · Co-ordinate delivery of the project across global teams. Manage risk through all stages of project life cycle. · Be a role model for engineering excellence within the team driving adoption of CICD and DevOps practices. · Take ownership and lead initiatives. This could also involve leading a small team of quality engineers. Minimum Qualifications : · Bachelor's degree in computer science, computer science engineering, or related experience required with at least 5 years of experience in software quality assurance · Delivered complex projects where complexity is a function of domain knowledge required, technical implementation and stakeholders. · Ability to independently work with product and business to gather requirements, write test cases and come up with test data needs. · Experience in converting BDD scenarios to detailed manual test cases with required validation steps · Experience in test automation using Go, Godog , cucumber or other BDD frameworks. Exposure to container-based technologies (docker, Kubernetes), GIT, Jenkins, TDD/BDD, mocking frameworks, CICD gates on security, code coverage and code quality. · Experience with distributed systems, micro services architecture (REST) and messaging services such as Kafka. · Experience working with relational/NoSQL databases · Ability to work in a team environment as well as independently · Commitment to write clean maintainable code with good documentation practices 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. How will you make an impact in this role? Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. About the role: This role is part of the Data Issue Management & Risk Monitoring function within the Finance Data Governance organization and supports the Director, Data Issue Management & Risk Monitoring function This role will support the leadership in establishing and managing a comprehensive process for identifying, tracking, remediating, and monitoring data issues and risks that impact financial integrity, reporting, and regulatory compliance. The ideal candidate will bring experience in data governance, issue and risk management, and a strong background in financial data within a highly regulated environment Key Responsibilities: · Support the implementation of the Data Issue Management framework, including intake, assessment, classification, prioritization, root cause analysis, remediation, and closure validation. · Continuous monitoring of data risks and emerging data issues across key finance datasets/reports. · Implement risk-based monitoring protocols, including early warning indicators, risk heat maps, and control effectiveness metrics. · Maintain a centralized inventory of open and historical data issues, ensuring accurate documentation, traceability, and audit readiness. · Produce regular reporting and dashboards for senior leadership, risk committees, and regulatory stakeholders, highlighting risk concentrations, issue trends, and remediation effectiveness Minimum Qualifications 2 -5 years of experience in Finance and Controllership is preferred. Strong relationship skills and communication is essential as this analyst will partner with multiple groups e.g., Business process owners, Technologies, and Enterprise Data Governance. Self-motivated and proactive, ability to manage multiple assignments and projects concurrently. Strong Excel, Power Point, and other technical skills. Strong analytical and problem-solving skills. SQL knowledge preferred. Ability to collect business requirements and use them to guide implementation of a technical solution. Prior experience with data quality programs is preferred. Good knowledge of Collibra is preferred. Familiarity with Agile (Rally/Jira) or SAFE project methodologies. Bachelor’s degree in finance, Business, Information Systems, or related field. 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. How will you make an impact in this role? Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. About the role: This role is part of the Data Issue Management & Risk Monitoring function within the Finance Data Governance organization and supports the Director, Data Issue Management & Risk Monitoring function This role will support the leadership in establishing and managing a comprehensive process for identifying, tracking, remediating, and monitoring data issues and risks that impact financial integrity, reporting, and regulatory compliance. The ideal candidate will bring experience in data governance, issue and risk management, and a strong background in financial data within a highly regulated environment Key Responsibilities: · Support the implementation of the Data Issue Management framework, including intake, assessment, classification, prioritization, root cause analysis, remediation, and closure validation. · Continuous monitoring of data risks and emerging data issues across key finance datasets/reports. · Implement risk-based monitoring protocols, including early warning indicators, risk heat maps, and control effectiveness metrics. · Maintain a centralized inventory of open and historical data issues, ensuring accurate documentation, traceability, and audit readiness. · Produce regular reporting and dashboards for senior leadership, risk committees, and regulatory stakeholders, highlighting risk concentrations, issue trends, and remediation effectiveness Minimum Qualifications 2 -5 years of experience in Finance and Controllership is preferred. Strong relationship skills and communication is essential as this analyst will partner with multiple groups e.g., Business process owners, Technologies, and Enterprise Data Governance. Self-motivated and proactive, ability to manage multiple assignments and projects concurrently. Strong Excel, Power Point, and other technical skills. Strong analytical and problem-solving skills. SQL knowledge preferred. Ability to collect business requirements and use them to guide implementation of a technical solution. Prior experience with data quality programs is preferred. Good knowledge of Collibra is preferred. Familiarity with Agile (Rally/Jira) or SAFE project methodologies. Bachelor’s degree in finance, Business, Information Systems, or related field. 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. We are seeking a visionary and highly motivated Vice President of Engineering to lead our Big Data Application Services organization. In this pivotal role, you will guide the engineering, solutions, and central replatforming teams, driving the transformation of our data engineering capabilities and the evolution toward our next gen big data platform. The ideal candidate is a strategic and innovative leader with a strong engineering background, deep expertise in big data technologies-especially on Google Cloud Platform (GCP), and a passion for advancing data observability, replatform acceleration, and cutting-edge data engineering solutions. How will you make an impact in this role? Define and execute a strategic roadmap for the Big Data Application Services, aligning with overall business objective and leading the transition to next-generation big-data platform Lead, mentor, and grow high-performing engineering, solutions and replatforming teams. Foster a culture of innovation, collaboration, engineering excellence, and continuous learning Drive the architecture, design and implementation of scalable, reliable and optimized data engineering capabilities and practices on Google Cloud Platform Champion best practices in software engineering, data engineering and operations within the big data ecosystem. Implement comprehensive data observability strategies and tools to ensure data quality, reliability and performance across the platform. Oversee the development and deployment of advanced data engineering and transformation capabilities, enabling sophisticated data analysis, business intelligence and machine learning use cases. Partner with stakeholders to define and deliver enterprise-wide impactful data solutions. Work closely with product management, federated data teams, data science, analytics teams, and other business units to understand data needs and deliver solutions that drive business value. Work with peers, Principal Engineers and Principal Architects to assimilate emerging trends and technologies in the big data, cloud, and analytics landscape. Evaluate and introduce new tools and technologies to enhance platform capabilities and drive innovation. Excellent leadership and interpersonal skills, with the ability to influence at all levels across functions, from both technical and non-technical perspectives alike; able to lead business and technology conversations with SVP and/or EVP level business leaders Qualifications 15+ years of large-scale technology delivery and formal management in a complex environment and/or comparable experience. With at least 7 years of experience in Big Data Technology delivery. Strong systems integration architecture skills and a high degree of technical expertise, ranging across several technologies with a proven track record of turning new technologies into business solutions. Demonstrated ability to lead, inspire, and manage multi-disciplinary engineering teams in a fast-paced, global environment. Deep understanding and hands-on experience in designing and implementing secure, scalable, and cost effective GCP Big Data Services (e.g., BigQuery, Dataflow, Dataproc, Pub/Sub, Composer Airflow, Cloud Storage) Strong knowledge of data observability principles, frameworks, and tools. Experience in implementing solutions for data monitoring, logging, tracing, lineage, and quality alerting. Proven experience leading large-scale data platform modernization and replatforming initiatives. Experienced with replatforming tools and accelerators to streamline migration and reduce risk. Expertise in designing and implementing robust and scalable ETL/ELT pipelines and data transformation. 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities, and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. Function Description: SABE P&C supports 20+ diverse platforms and 25k+ users (Sales, Marketing, Analytical) across the Enterprise. It plays a pivotal role to drive critical aspects of platform & product lifecycle, with a strong focus on enhancing customer experience & adoption. SABE P&C vision is to Enhance user experience & agility for Enterprise Platforms at optimized cost. SABE P&C iPlus team is the Product Owner of the Enterprise Incentive Management Product/Tool: Varicent ICM. Team’s vision is to automate controls across end-to-end Incentive Management & continue to enable timely & accurate incentive payouts for Sales and Servicing colleagues across the Enterprise (GSG, TLS, GCS, ICS, GMNS), with strong focus on strengthening controls, driving efficiencies, and improving user experience. This role is to drive the modernization for Incentive Payout system. Key Responsibilities: Analyze key business requirements and identify KPIs, business drivers etc. Coordinate effectively with architects, technical team, and business team to convert business requirements into technical stories as well as deliver on iPlus features. Develop end to end business understanding as well as System architecture to better support Business needs. Design and implement Varicent workflows, rules, and calculations to meet business needs and ensuring high quality and adherence to timelines. Drive complete User Acceptance Testing starting from scenario identification to complete execution. Identify and deliver on future looking features to drive better customer experience. Your duties will involve the troubleshooting of data issues, creating reports, working with the team at aspect of the incentives process. To ensure all payouts go out on time and error-free Skills/Capabilities Functional: 3-5 Years of Experience in resolving and optimizing complex business problems using Varicent ICM Must have detailed business knowledge around the incentives process and business rules (ramifications of exceptions) Understanding of sales performance management domain Expertise in design / development / Testing (SIT/UAT/QAT) i.e. all stages of SDLC Knowledge of User experience principles Experience of End-to-End Software Product Solution implementation Experience of User story drafting (Agile perspective) Technical Varicent ICM Platform ( MUST HAVE) HTML, CSS & Java Script RDBMS / Big Data / Hadoop Rally & JIRA SQL Preferred: Exposure to other Incentive platforms like Callidus, Anaplan etc. Experience in Data analytics and Automation Compliance Language We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. Function Description: This Finance position in the Credit & Fraud Risk Controllership (C&FRC) organization will play a key role in achieving our goal to protect and assure the integrity of the AXP financial statements and proactively mitigate controllable financial risk. As part of a world-class Controllership group, the C&FRC organization is responsible for managing end to end credit process from reserve adequacy assessment to the external and regulatory reporting. This role will be responsible for credit reserve accounting & reporting for AXP reserves Responsibilities: Responsible for accurate and timely accounting & reporting of credit reserves coordinate with business teams on a daily basis to get the right level of information. Partner & Collaborate with Risk, Risk Finance, MRMG team to define & implement reserving for qualitative. Perform analytics on big data to generate insights on measure of credit metrics and drivers of performance. Support change management related to continuous improvement along with overall control & governance. Partner with Business, Network and Technology teams to support platform modernization & automation initiatives. Support internal and external audit reviews and controls including SOX PRSA Management along with regulators queries/exam Desired Skills: Experience with credit reserves accounting and reporting and similar with CECL framework Knowledge of systems (Triumph, Globestar, Oracle) will be a plus Proficiency in microsoft office ( power point, word) with strong presentation skills. Strong analytical skills and working knowledge of financial & reporting tools such as Oracle, Essbase, Cornerstone, Tableau, TM1 etc. Strong process orientation and analytical problem-solving skills demonstrated process improvement experience. Excellent written and verbal communications skills, strong collaboration, and relationship skills. Results driven, self-starter, able to lead and influence without direct authority. Ability to be flexible, prioritize multiple demands, and effectively manage in a matrix organization. Effective leadership skills and commitment to mentoring, coaching and developing direct reports Eligibility: 1-3 years of accounting & reporting experience including good knowledge in US GAAP accounting, SEC, and Regulatory Reporting Degree in Accounting / Finance, CPA, or CA preferred. 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. With a focus on digitization, innovation, and analytics, the Enterprise Digital teams creates central, scalable platforms and customer experiences to help markets across all of these priorities. Charter is to drive scale for the business and accelerate innovation for both immediate impact as well as long-term transformation of our business. A unique aspect of Enterprise Digital Teams is the integration of diverse skills across all its remit. Enterprise Digital Teams has a very broad range of responsibilities, resulting in a broad range of initiatives around the world. The American Express Enterprise Digital Experimentation & Analytics (EDEA) leads the Enterprise Product Analytics and Experimentation charter for Brand & Performance Marketing and Digital Acquisition & Membership experiences as well as Enterprise Platforms. The focus of this collaborative team is to drive growth by enabling efficiencies in paid performance channels & evolve our digital experiences with actionable insights & analytics. The team specializes in using data around digital product usage to drive improvements in the acquisition customer experience to deliver higher satisfaction and business value. How will you make an impact in this role? This role will report to the Manager of Paid Search Analytics team and will be based in Gurgaon. The candidate will be responsible for delivery of highly impactful analytics to optimize our performance marketing channels. Deliver strategic analytics focused on Performance Marketing channels Define and build key KPIs to monitor the channel/product health and success Support the development of new products and capabilities Deliver read out of campaigns uncovering insights and learnings that can be utilized to further optimize the channels Gain deep functional understanding of the enterprise-wide product capabilities and associated platforms over time and ensure analytical insights are relevant and actionable Power in-depth strategic analysis and provide analytical and decision support by mining digital activity data along with AXP closed loop data Minimum Qualifications Advanced degree in a quantitative field (e.g. Finance, Engineering, Mathematics, Computer Science) Strong programming skills are preferred. Some experience with Big Data programming languages (Hive, Spark), Python, SQL. Experience in large data processing and handling, understanding in data science is a plus. Ability to work in a dynamic, cross-functional environment, with strong attention to detail. Excellent communication skills with the ability to engage, influence, and encourage partners to drive collaboration and alignment. Preferred Qualifications Prior experience in performance marketing will be preferred Experience in building ML based predictive models for marketing treatments 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. How will you make an impact in this role? Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure. Responsible for invoice validation process by reviewing and approving invoices before sent for payment. Validating each and every invoice with relevant documents which includes contract, MIS and approvals. Submitting the supporting’s at the time of audit. Maintaining critical path and accounting data on regular basis. Create and maintain precise and accurate models, charts and reports. Reviewing financial reports and streamlined operations to increase productivity and company profit. Collected data and developed detailed spreadsheet to identify trends and create revenue, profitability, and expense forecasts. Responsible for publishing the general ledger dump for the month end accrual process consumer and corporate card members. Communicate regularly with and proactively with vendors for invoice related queries, update on lounges and golf courses list and for accrual data. Assist in preparation of data tables and other documents for onboarding new vendors. Responsible for collating quarterly compliance review from all the vendors. Minimum Qualifications Minimum of 1-4 years of demonstrated experience in Invoice and Payment processing. • Understanding on Project management skills with strong communication skills. • Strong relationship management skills with ability to collaborate effectively with business functions • Must have proficiency on MS office, Power BI and s trong attention to detail and superior organizational and follow-through skills Knowledge of AXP policies and procedures related to Partner Management. Critical Factors to Success: Manage to deliver within strict timelines and deliver strong results on schedule Effectively integrate and align with internal business partners Prioritize based on business need and urgency 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. How will you make an impact in this role? Key responsibilities include but is not limited to the following: CBU BO: Ability To Work in A Highly Compliant, Dynamic and Research-Intensive Environment in solving credit bureau disputes Review Accounts to Determine Appropriate Action for solving reporting dispute Ability To Work in A Highly Compliant and Dynamic Environment Ensure all SLAs are met across various queues, upholding efficiency, and compliance Adhere to Company Policies and Regulatory Compliance Guidelines relevant to the business Proven ability to drive Goals & Metrices for the process Minimum Qualifications: Strong Verbal & Written communication skills Knowledge of Credit Bureau Unit Function is preferred Graduate with minimum 1-3 years’ experience Should possess Analytical, Decision Making and Problem-Solving Skills Multi-skilled across card platforms/products is preferable Demonstrated dependability/self-motivating skills Demonstrated ability to work effectively within a team environment as well as independently Strong Team Player with high level of integrity Strong Knowledge to American Express Product, Policies & Procedures Change Management Ability & Self-motivating skills Prior knowledge of green screens, Triumph platform, CLIC tool will be an added advantage Ability to work in a fast-paced metric driven environment with proficient multitasking and navigation in a windows environment Build and maintain loyalty through exceptional communication Maintain a comprehensive understanding of Card products and CHC procedures to ensure process accuracy Preferred Qualifications: Strong Knowledge to American Express Product, Policies & Procedures 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. About Global Commercial Credit (GCC) : Global commercial credit (GCC) manages the company's credit, collections operations around the world. GCC aims to strike the right balance between helping customers in keeping their card current and taking actions to prevent spending that will not be paid back to American Express. In short, our primary focus is to protect and recover American Express' receivable assets, while delivering on our customer commitment. We mitigate risk & enable spend How will you make an impact in this role? The primary responsibility is to collect delinquent balances on corporate card & client. The portfolio consists of both cancelled relationships and high-risk customers. Candidates must be able to utilize strong negotiation and decision-making skills ensuring American Express profitability while maximizing recovery of card member balances. This includes handling inbound and outbound calls, advising of account status. Ensure maximum recovery on accounts through inbound/ outbound telephone contact in a timely and comprehensive manner to ensure customer satisfaction. Grow and nurture customer relationships on every interaction that results in measurable Customer value. Meet and endeavor to exceed metrics on transactional quality, compliance regulations and productivity as per goals. Document necessary account information and offer custom solutions that benefit the customer. Balance customer interests with the interests of American Express. Minimum Qualifications Graduates/Undergraduates with minimum 2 years of experience in International Collections domain with excellent communication skills Prior work experience in collections required. Proven analytical and problem-solving skills with a strong attention to detail. Ability to work in a fast-paced metric driven environment with proficient multitasking and navigation in a windows environment. Ability to evaluate card members financial and account data to make sound business decision. Preferred Qualifications Analytical mind & attention to detail. Strong interpersonal, communication and listening skills. Excellent negotiation skills. Demonstrated consultative experience, ability to influence, resourceful. 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. How will you make an impact in this role? Function Description : Legal Entity Reporting Centre of Excellence (LER CoE) is responsible for delivering on local Statutory Reporting and management of Statutory Audit for multiple legal entities across the International regions. Purpose of the Role: • Responsible for preparation and coordination of ANZ Legal Entity Statutory & Regulatory reports and accompanying documents including coordination with the Legal Entity Controllers before filing with authorities within prescribed timetable • Primary co-ordination point for the Statutory Auditors during external audits, ensuring that full analysis and explanations are provided to enable a clean audit opinion and Legal Entity Board approval · Lead the governance of the Reporting Tools (HFM, Workiva & Oracle) leveraged by LER CoE · Support Strategic LER CoE projects like Vanguard and other compliance related activities · Lead a team of strong Band 30s/28s responsible for the delivery of Statutory Reporting and Audit. Responsibilities : · Support the Legal Entity Controller achieve the local statutory and regulatory filing objectives for ANZ region · Responsible for adherence to all local Statutory Authorities timelines and Reporting requirements through preparation, review and submission of local reports. These include annual financial statements, Financial Analysis Book (FAB), regulatory reports to the local Regulatory Authorities, as applicable · Ensure that all ANZ reporting issues are identified, escalated, and tracked to conclusion · Maintain and control accuracy of information extracted from prime records into financial reports and ensure a fully audited reconciliation from USGAAP ledger to local GAAP report. · Adequate controls, documentation and audit trails are in place to comply with Reporting requirements · Coordinate with the Legal Entity Controllership team to maintain up-to-date understanding of all Regulatory and Statutory Reporting requirements including potential regulatory changes to assess impact and proactively plan for implementation of changes. · Coordinate with GFO and other functions to provide external audit support. · Lead the governance of the Reporting Tools (HFM, Workiva & Oracle) leveraged by LER CoE – includes leading the ongoing monitoring including query resolution through strong partnership with external vendor and internal teams · Support Project Vanguard Workstreams and other compliance related activities Qualifications: · Qualified Accountant, CA/CPA with minimum 7+ years post qualification experience in Finance · Strong technical accounting background and experience in accounting, statutory / regulatory reporting and statutory auditing · Advanced knowledge of IFRS GAAP and reporting requirements · Strong Knowledge of Reporting Tools (e.g., HFM, Workiva, Oracle) · Strong knowledge of AXP Policies, processes & systems · Good understanding of US GAAP and other GAAP is advantageous · Ability to collaborate across geographies in a matrix structure and deliver on customer expectations · Ability to manage multiple priorities, drive projects, and work well under tight deadlines. · Excellent written/verbal communication, relationship building, presentation and collaboration skills. · Proven ability to effectively interact with all levels and stakeholders of an organization including senior leadership as well as External Auditors. Behavioral Skills/Capabilities: · Leadership – act & lead with courage, make decisions quickly & influence change. · Track record of building relationships to influence decisions and drive results · Strong analytical, organizational, and problem-solving skills · Ability to synthesize complex data into an easy-to-understand message · Highly motivated with strong sense of accountability, initiative, and a ‘can-do’ attitude We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. The Enterprise Risk Management and Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for identifying and managing risk across all processes and geographies at American Express. The Manager, Enterprise Risk Management CoE, will be part of the GRC organization and will report to the Director of International ERM based out of India. The incumbent will help support the risk identification, risk aggregation and escalation for all of proprietary business across International legal entities / markets. The risk universe’s scope would include but not limited to Credit Risk, Operational Risk, Strategic and Business Risk Market Risk, Liquidity & Funding Risk, Conduct Risk, and Reputational Risk. The incumbent will lead a team of risk professionals in India and will partner closely with stakeholders across geographies. We are seeking an experienced leader to be a part of this exciting journey. Key Responsibilities: · Develop risk tolerance limits, and establish risk appetite metrics and escalation thresholds for all major risk types · 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: · 4+ years of leadership experience in risk management, compliance, treasury, controllership or a similar role; · Experience in Enterprise Risk Management function · Strong business and risk acumen with a risk-reward control perspective · Strong analytical ability to connect disparate risks with the ability to measure them · Good understanding of payment systems, payment networks, banking industry and related regulatory nuances · 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 / Google Cloud Platform would be preferred Leadership Skills: Proven leader who can build, inspire, and coach a team; · Excellent relationship and influence management skills with the ability to build productive relationships across teams and levels of seniority; 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; Ability to communicate risk observations to colleagues, business partners, and senior leaders; Strong verbal and written communication skills 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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 You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. Description/Overview of the Department: Global Merchant & Network Services (GMNS) brings together American Express' merchant-and network-related businesses to enable a sharp focus on using the power of our network to provide unique value to all of our mutual customers. The organization manages the relationships with the millions of merchants around the world that accept American Express and runs the company’s payment network and manages bank partnerships globally. In support of GMNS’s mission, Global, Strategy, Operations & Processes (GSOP) is focused on delivering a friction free, resilient, and efficient operational core for critical merchant experiences; strengthening monitoring and adherence to network and merchant policies; and leading key operational excellence functions. As part of GSOP, the Merchant Onboarding & Maintenance team prioritizes strengthening governance for merchant account setup, account management, and Know Your Customer (KYC) activities. This team manages our merchant hierarchy structures, which are used at Amex for merchant account management (including contracting, pricing, offers, client management and data enrichment purposes). Ensuring merchant accounts are correctly linked and managed is essential for Amex systems that rely on a merchant’s hierarchy. Merchant Hierarchy team is looking for a highly skilled and motivated data analyst to join our team. The ideal candidate will be a data analyst with strong leadership skills, keen analytical mindset, and a dedication to turning data into successful hierarchy implementation strategies. They will need to analyze large amounts of data and turn that research into information to help the merchant business be compliant and supportive of customers. Key Responsibilities: Provide support for the Merchant hierarchy maintenance process within GMNS. • Establish and enforce data management and governance requirements for Merchant hierarchy initiatives. • Develop and implement strategies to extract, transform, and analyze information from diverse sources using SQL. • Construct advanced Excel models and reports to visualize and convey key insights and trends to stakeholders. • Collaborate with cross-functional teams to identify business requirements, define metrics, and devise data-driven solutions. • Continuously enhance data processes and workflows to optimize efficiency. • Use analytical skills for evaluating data across simple and complex business processes, with meticulous attention to detail. • Be a quick learner and work independently on complex processes through completion. Qualifications : · Bachelor’s degree in Computer Science, Information Technology, Statistics, or related field. · Experience as Data Analyst in a similar role, with strong proficiency in Data Science Libraries, SQL and Excel. · Demonstrated track record of driving meaningful business value though data management and strategy. · Proficient understanding of relational databases and data warehousing concepts · Ability to make timely and integrity-driven decisions. · Effective communication and presentation skills for seamless collaboration across internal stakeholders and teams. · Familiarity with Amex data, particularly in the context of Merchant hierarchies, is preferred. · Knowledge of LUMI Big query and Python is an advantage. • 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. How will you make an impact in this role? Function Description: CBU –Voice Handles consumer credit bureau inquiries by investigating and contacting the credit bureau agencies to update card member information. Purpose of the Role: Requires a very thorough/ careful investigation using a range of credit details available from different sources, checking/correcting the credit bureau reporting’s basis card member history and current status and resolve card member concerns via calls and emails. Responsibilities: Provide accurate and most updated information in response to card member disputes and inquiries. Provide support to internal department's i.e. Risk Management, Compliance. Minimum Qualification: Graduates only Minimum 1+ year of experience is mandatory Strong communication abilities, both written and verbal with attentive listening skills Knowledge of American Express Product, Policies & Procedures Telephone communication, etiquette, and call handling skills for effective call management and optimal efficiency Should possess analytical, decision making and problem solving skills Multi-skilled across card platforms/products is preferable Demonstrate ability to work effectively within a team environment as well as independently Strong Team Player with high level of integrity Preferred Qualification: Multi-skilled across American Express card platforms/products is preferable 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

You Lead the Way. We’ve Got Your Back. At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Function Description: American Express is embarking on an exciting transformation driven by an energetic new team of high performers. This group is nimble and creative with the power to shape our technology and product roadmap. If you have the talent and desire to deliver innovative payment products and services at a rapid pace, serving our customers seamlessly across physical, digital, mobile, and social media, join our transformation team! You will be part of a fast-paced, entrepreneurial team responsible for delivering projects platform supporting our global customer base. Our Engineers that join our Technologies team will be assigned to one of several exciting teams that are responsible for development and management of business critical platforms. You will be part of a fast-paced, entrepreneurial team responsible for delivering projects platform supporting our global customer base. You will be challenged with identifying innovative ideas and proof of concept to deliver against the existing and future needs of our customers. Our Software Engineers not only understand how technology works, but how that technology intersects with the people who count on it every day. Today, innovative ideas, insight and new perspectives are at the core of how we create a more powerful, personal and fulfilling experience for all our customers. Responsibilities: Drive user story analysis and elaboration, design and develop software applications, and test and build automation tools Own all technical aspects of software development (architecture, design and development of systems) for assigned applications Perform hands-on software development, API specs, doing proof of concepts, conducting code reviews and testing in ongoing sprints Drive consistent development practices - tools and common components Develop deep understanding of tie-ins with other systems and platforms within the supported domains Work with technical product managers contributing to blueprints, and assisting with annual planning of feature sets Identify opportunities for adopting new technology to solve existing needs and predicting future challenges Effectively communicate to internal and external business partners on solution design Mentor other engineers Purpose: Create a more powerful and personal customer experience by designing and developing relevant software applications Minimum Qualifications Critical Factors to Success (Outcome Driven): Business Outcomes: Understand the business needs and design high quality software applications in timely manner to fulfill those needs Identify and adopt new technologies to solve existing business needs and predict future challenges. Leadership Outcomes: Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings Demonstrate learning agility, make decisions quickly and with the highest level of integrity Lead with a digital mindset and deliver the world’s best customer experiences every day Past Experience : 4+ Yrs of past experience across; Design and development using Java, J2EE, APIs Continuous integration/deployment in an Agile Framework covering the aspect of design development and testing (SDLC) Multi-threading programming, Data structures, & web services technology DevOps and test driven development Academic Background: Bachelor’s Degree in CS or CSE or Equivalent Skills/Capabilities: Functional: Strong analytical & strategic thinking skills Ability to interpret technical /business objectives and challenges Porting/Software Configuration Agile Methodologies Software development/ testing Object oriented analysis and design across multiple platform Designing High Availability applications Preferred: Product Engineering Knowledge Knowledge of outbound communication technologies Platform engineering knowledge (e.g Credit/Payments/Merchant services/Ecommerce platforms) Technical/Platforms: Java 8 & above, J2EE, REST APIs Node, Spring Boot, Spring MVC, Relation DBMSs –DB2, NoSql – Couchbase, S3 AngularJS, React and Node.js Microservices design patterns Event driven programming paradigm using kakfa, solace, MQs clusters. Source control (Git, Bitbucket etc). Continuous Integration (Jenkins, Maven, XLR, Mockito, JMeter) Knowledge of VSS, IaaS, PaaS. Container Concepts (LXD, Docker). Orchestration Concepts (Kubernetes, Mesos, Swarm) Knowledge of microdose, vertx, typescript will be an additional advantage. Behavioral: Enterprise Leadership Behaviors: Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective Bring Others With You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

You Lead the Way. We’ve Got Your Back. With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. Manager, Audit Analytics American Express’ Internal Audit Group (IAG) has reinvented our audit process and is leading the financial services industry with our Audit NextGen, Data-Driven Continuous Auditing, and Auditor of the Future initiatives. Each uniquely support our Winning Aspiration to be a world class internal audit function that: · Provides data-driven and technology-enabled assurance · Delivers timely risk insights that are business-aware and forward-looking · Supports our colleagues with experiences that prepare them to be enterprise leaders Collectively, IAG’s strategic initiatives, combined with our greatest asset – our people – enable IAG to utilize advanced data analysis capabilities, provide greater and continuous assurance, and help ensure quality products and services are provided to American Express customers. IAG’s innovative Data-Driven Continuous Auditing approach has led to patent-pending technology assets over our uniquely developed audit methodology and technology enablers. We are looking for those who share our mission and aspirations and are passionate about the use of data and technology in a collaborative, people-focused environment. Key Responsibilities · Translate business risks, controls and supporting data into analytic requirements and partners with colleagues to build effective analytics and insights · Responsible for multiple simultaneous audit projects of all sizes and complexity across multiple business areas within and outside of local region, in unfamiliar areas, and for different audit leaders · Link analytics and insights to ongoing strategic initiatives · Apply proven/ advanced data algorithms, advanced analytic and modeling techniques to draw insights essential to driving improvement initiatives · Leverage Machine Learning to learn and identify patterns, early warnings, predictions about aspects/ processes touching our customers, from the wide range of Operational, Customer behavior and other structured as well as unstructured data available to us · Writing, debugging and compiling codes in multiple Machine Learning environment and not limited to Python/Pyspark, Apache Spark, etc. · Prototype and simulate use cases for Advanced analytics, ongoing & proactive assessment of analytic results in partnership with relevant teams, leveraging data to tell compelling business stories, with a keen focus on impact & insights · Extensively support other Managers/ team members with Subject matter expertise and process knowledge to help make insights extremely relevant and actionable for our business partners · Significantly contribute towards adoption and application of cutting edge techniques and software paradigms (available internally & externally) by continuously learning, researching and experimenting Qualifications · Master’s degree in Analytics, Statistics, Operations Research, Computer science, Engineering, or other related fields with atleast 3-4 years of experience in the data and analytics · Technical experience with analytic coding techniques, visualization tools and creating reporting dashboards · Strong experience in Python environment and libraries (scikit, nltk, pandas and numpy). Working knowledge of statistical/data mining analysis tools, relationship databases and programming languages within the Big data environment · Hands on knowledge of SQL/ Hive QL, Visualization tools like Tableau, Power BI · Experience with advanced analytic methods, such as machine learning, forecasting, cluster analysis, or pattern matching · Track record of analyzing multiple sources of data to distill insights and drive business outcomes to help improve Customer Satisfaction · Self-starter alongwith passion for continuous Innovation with a view to drive organizational improvements & impacts · Excellent storytelling and visualization skills · Extensive business process experience in the financial services industry, including an understanding of related products, services, features, economics and key regulations · Aptitude for working with data, interpreting results, business intelligence and analytic best practices · Ability to break-down a complex problem into components, solve them using data analysis, process knowledge and risk/control knowledge, and communicate data analysis, issues and control recommendations with transparency and integrity · Strong written and verbal communication skills that deliver quality, actionable and beneficial feedback to management on potential control issues and solutions to close gaps · Ability to lead and manage multiple projects and incorporate developmental feedback across deliverables We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less

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. How will you make an impact in this role? Perform hands-on software development, includes designing, writing code, API specs, doing proof of concepts, conducting code reviews and testing in ongoing sprints Drive consistent development practices - Tools and common components Develop deep understanding of tie-ins with other systems and platforms within the supported domains Maintain quality and ensure responsiveness of applications Collaborate with the rest of the engineering team to design and launch new features Maintain code integrity and organization Understand and implement security and data protection Work with technical product managers contributing to blueprints, and assisting with annual planning of feature sets Identify exciting opportunities for adopting new technology to solve existing needs and predicting future challenges Past Experience 3 – 5 years’ experience in Back-end programming using Java/GoLang/C/C++. Front-end programming using React JS, JS, HTML, Redux [Not a must] Database: Oracle, Any NoSQL DBs. JSON, JWT, OAuth, SAML, OIDC Redefining legacy systems into microservices/FaaS Critical Factors to Success (Outcome Driven): Business Outcomes: Drive cross functional development on entire technology stack for a company to provide consistent application user experience Ensure ease of switching between front end and back end development which results in saving time and money as complexities and problems can be solved by the same person Enhance design structure leading to speed to market: Coding and the design of the site s/he can have a view from above and prevent slip ups that come up during development Leadership Outcomes: Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders. Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings Demonstrate learning agility, make decisions quickly and with the highest level of integrity Lead with a digital mindset and deliver the world’s best customer experiences every day Skills/Capabilities Behavioral Enterprise Leadership Behaviors Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective Bring Others With You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage Functional Strong analytical & strategic thinking skills Ability to interpret technical /business objectives and challenges Software Configuration Agile Methodologies Software development/ testing Hands on experience in using open source frameworks and libraries Designing High Availability applications Preferred: Product Engineering Knowledge Exposure on Identity systems and related technologies Secure coding practices Technical/Platforms Java, J2EE Spring Boot, Spring Batch, Spring security, Vert-x, Relation DBMSs – Oracle, Any NoSQL DB. RESTful API development, Microservices, Function as a Service, gRPC Source control (GitHub, Bitbucket, etc.) Continuous Integration (GitHub Actions, Jenkins, Maven, XLR, Jacoco, JMeter, SonarQube) Container Concepts (LXD, Docker) Orchestration (Kubernetes/Mesos/Swarm) Preferred: DevOps, Test Driven Development Data Modelling exposure Academic Background Bachelor’s or Master’s in E&C Engineering/CSE or Equivalent 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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Show more Show less