At American Express, our culture is built on a 175-year history of innovation, shared <a href="https://www.americanexpress.com/en-us/company/who-we-are/" target="_blank">values</a> and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, youll 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. The Fraud, Credit Bust Out (CBO), Banking Product &amp; Payments Risk Organization is a global team of risk officers, data scientists, and product managers that are building innovative solutions across AMEX’s credit, banking, and payment solution portfolios. The banking vertical owns the end-to-end deposit &amp; fraud risk strategy for AMEX’s digital banking portfolio. The Director of Banking Product Business Operations will support the Head of Banking Fraud in ensuring adherence with enterprise-wide policies on risk management.  The director will be responsible for executing new programs that govern, monitor and improve the Banking group’s extensive strategy execution controls, providing thematic analysis on operational issues associated with fraud processes, creating and maintaining Banking RCSAs.   Key Responsibilities  <ul> <li>Lead a team of managers and analysts to execute against enterprise policies and governance plans for Banking Portfolio:  </li> <li>Implement and annually refresh RCSA program </li> <li>Calculate and monitor risk appetite framework (RAF) metrics for Bank portfolio, escalate as appropriate, partner with strategy teams to identify root causes, full expected exposures, and document corresponding action plans  </li> <li>Support timely updates of documentation and operational controls as new customer features and fraud capabilities are introduced. </li> <li>Conducting controls testing in accordance with Internal Controls Policy  </li> <li>Conduct risk assessments for Bank portfolio under current 1st Line of Defense methodology, lead transformation of risk assessment to 2nd Line of Defense methodology </li> <li>Execute multiple compliance and regulatory programs, such as AML/BSA SARs referrals, elder fraud abuse detection, scams detection, etc. </li> <li>Partner with functional experts and participate in exams, audits, and any ad hoc governance requests </li> <li>Ensure the systems that fraud org risk have in place to track and identify issues and fraud events are satisfactory within the risk framework established by Issues and Events Policy </li> <li>Ensure consistent documentation in standard operating procedures, reporting, etc. for the Banking portfolio </li> <li>Provide insights to banking and fraud leadership on process risk issues and mitigation strategies </li> <li>Provide thought leadership on control design, control effectiveness monitoring, and process governance to direct reports   </li> </ul> Minimum Qualifications  <ul> <li>Understanding of critical operational risk management lifecycle activities </li> <li>Experience in process governance, with a track record of establishing or implementing robust decision-making processes that align with policies, regulatory frameworks, and/or operational standards </li> <li>GSIB-RCSA program experience preferred </li> <li>Experience with risk control design, testing, and effectiveness and operational monitoring </li> <li>Experience managing operational risk events </li> <li>Familiarity and subject matter expertise in CBO for Deposit and non-Lend product risk, Victim Fraud Risk, and Operational Excellence  </li> <li>Positive “roll-up your sleeves” attitude, a proactive mentality, and a passion to win required </li> <li>Excellent project management, communication, and interpersonal skills, with an ability to interact and obtain buy-in from senior BU/tech counterparts </li> <li>Strong internal partner management skills with proven ability to influence &amp; negotiate </li> <li>Strategic, analytical, problem-solving mindset; ability to problem solve and make decisions or drive to fast resolution </li> <li>Critical thinker with the ability to continuously evolve strategy based on data and analytics </li> <li>Exceptional oral and written communications skills </li> <li>People leader experience preferred </li> </ul> Guardian Salary Range: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + benefits The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: <ul> <li>Competitive base salaries </li> <li>Bonus incentives </li> <li>6% Company Match on retirement savings plan </li> <li>Free financial coaching and financial well-being support </li> <li>Comprehensive medical, dental, vision, life insurance, and disability benefits </li> <li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need </li> <li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy </li> <li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) </li> <li>Free and confidential counseling support through our Healthy Minds program </li> <li>Career development and training opportunities</li> </ul> For a full list of Team Amex benefits, visit our <a href="https://www.americanexpress.com/en-us/colleagues/benefits" target="_blank">Colleague Benefits Site</a>. American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. We back our colleagues with the support they need to thrive, professionally and personally. Thats why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers - Click to view the “<a href="https://www.eeoc.gov/poster" target="_blank">Know Your Rights</a>” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: <a href="https://www.eeoc.gov/poster" target="_blank">https://www.eeoc.gov/poster</a> <a name="OLE_LINK7"></a>Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.