Senior Manager – US Consumer Services Compliance, Privacy Risk

American Express is seeking a detail oriented and proactive First Line of Defense (1LOD) Compliance Senior Manager to support the business in managing compliance risk across products, processes, and customer interactions. This role plays a key part in ensuring that day-to-day operations align with regulatory requirements and internal policies, working closely with both business and compliance partners. The ideal candidate has strong regulatory knowledge, a process mindset, and the ability to translate risk concepts into practical actions.

Advisory:

• Providing business-specific Compliance expertise to the BU

• Review marketing and other customer-facing materials
  

Regulatory Change Management:

• Executing impact assessments for regulatory changes impacting the BU and coordinating and implementing changes for the business as required
  

New Product Approval:

• Coordinating, executing and providing consultation throughout the BU’s NPA process
  

• Drafting NPA risk assessment and managing disclosures
  

• Performing mapping of new products by the BU RCSA and controls
  

Controls & Issue Management:

• Complaints review activity for the BU

• Implementation and monitoring of new controls for the BU
  

• Issue Management for the BU, including leading action plan management process and escalating issues to senior management
  

Reporting, Policies and Procedures:

• Compliance metrics tracking and reporting for the BU

• Owning, drafting, and updating BU Compliance procedures, and communications for Compliance related BU issues
  

Key Responsibilities:

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

• Support the execution of compliance risk assessments and ongoing monitoring activities within the business unit.
  
• Partner with operations, product, and technology teams to design and enhance controls that mitigate regulatory and operational risks.
  
• Monitor business activities for compliance with Privacy laws, regulations, and internal standards (e.g., CCPA, GDPR, GLBA, and other Privacy regulations).
• Track and remediate compliance issues and control gaps identified through monitoring, audits, or regulatory exams.
  
• Maintain and update business-level compliance documentation, including procedures, control descriptions, and training materials.
  
• Collaborate with second line Compliance and Legal teams on policy interpretation, regulatory change implementation, and incident response.
  
• Support compliance testing, audit readiness, and business responses to regulatory inquiries and examinations.
  
• Assist with delivery of compliance-related training to business staff.
  
• Contribute to reporting of compliance metrics and trends to business leadership.
  

Required:

• Bachelor’s degree in business, finance, law, or a related discipline.
  
• 3+ years of experience in compliance, risk management, or control-related roles in financial services.
  
• Working knowledge of key Privacy and U.S. banking regulations (e.g., UDAAP, Reg E, Reg Z, Fair Lending, Privacy (CCPA, GDPR, GLBA, etc.)).
• Experience supporting compliance or operational risk within a business or first line function.
  

Preferred:

• Privacy Certification (e.g., CIPP/CIPM/CIPT) or other Privacy Certification would be strongly preferred
• Familiarity with issue management, risk assessments, and control testing processes.
  
• Experience working in a matrixed environment or with cross-functional teams.
  

Skills & Competencies:

• Strong attention to detail and critical thinking skills
  
• Ability to analyze regulatory requirements and apply them in a business context
  
• Effective communication and relationship-building skills
  
• Proactive, self-motivated, and comfortable managing multiple priorities
  
• 
  Sound judgment and problem-solving capabilities
   
  

• 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