At American Express, our culture is built on a 175-year history of innovation, shared <a target="_blank" href="https://www.americanexpress.com/en-us/company/who-we-are/">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 we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.Business Unit/Role Specific Info:The Global Risk &amp; Compliance Organization (“GRC”) independently oversee the company’s risk-taking and risk management activities, including the comprehensive identification, management, and mitigation of risks within the Company’s risk appetite. GRC ensures the company operates in a safe, sound and fully compliant manner within all applicable regulatory expectations. We create and maintain the overall risk management framework while ensuring legal and regulatory compliance.We are passionate about our commitment to drive the company’s goals of growth and progress by creating a culture of awareness and proactivity around regulatory matters, and by partnering closely with business units across the enterprise to ensure we deliver maximum value to our shareholders and our customers efficiently and effectively.How will you make an impact in this role?We are seeking a highly motivated and detail-oriented colleague to lead our ERM Governance, Reporting and Independent Review team in the second line of defense aligned with our business units. The leader will play a critical role in supporting the Business Unit Chief Risk Officer (CRO) and the broader risk management framework. This position requires a deep understanding of financial products, business operations, and risk management principles, with a strong ability to translate complex risk concepts into actionable insights and credible challenge for the business units and their first line risk management SMEs. The successful candidate will be a proactive, analytical, and collaborative individual who can effectively partner with various stakeholders across the organization and lead and develop a team of highly motivated individuals.Key Responsibilities:Risk Identification &amp; Assessment:<ul><li>Proactively identify, assess, monitor, and report on key risks inherent in the business units activities, including credit risk, market risk, operational risk, compliance risk, strategic risk, and reputational risk</li><li>Provide independent review and challenge to the business unit’s risk ID and assessment process and outcomes to ensure completeness and accuracy and the effective identification of the business unit’s material, top and emerging risks</li></ul>Monitoring, Reporting and Communication:<ul><li>Analyze risk data across the business unit and identify key risk indicators (KRIs) to monitor key risks trends and enable the reporting and oversight related to the business unit</li><li>Prepare comprehensive and clear risk reports for the business unit CRO, business unit leadership, and relevant risk committees</li><li>Effectively communicate complex risk issues to both technical and non-technical audiences</li><li>Leverage data visualization tools and reporting automation solutions where appropriate to enhance the efficiency and accuracy of risk reporting processes.</li></ul>Risk Governance and Independent Review:<ul><li>Develop and maintain a comprehensive understanding of the business units products, services, processes, and systems to effectively challenge how the business unit identifies and manages the associated risks</li><li>Provide oversight on the business unit’s implementation of enterprise-wide frameworks including but not limited to risk appetite, concentration risks, risk governance framework, etc. and provide effective challenge as necessary</li><li>Support the business unit CRO in establishing the minimum requirements and agenda topics for the business unit risk committees and validate execution</li></ul>Minimum Qualifications:<ul><li>Masters degree in risk management, business administration, communications, public relations, or a related field.</li><li>5+ years of experience in risk management functions.</li><li>Knowledge of risk management frameworks, regulatory landscape, and methodologies.</li></ul> Qualifications:4-5 years of hands-on programming experience meaningful to the assigned Technology Platform in a professional environment and/or comparable experience such as:<ul><li>Advanced hands-on experience with application solution architecture design and end-to-end software development of complex distributed (multi-tiered) systems</li><li>Prior experience in multiple IT disciplines with a confirmed understanding of architectural concepts (business, data, technical and solution) and track record of implementation</li><li>Extensive experience using a systems analysis and design methodology that is applicable to an agile product environment</li><li>Bachelor’s Degree in computer science, engineering, information systems or related field required; advanced degree preferred</li><li>Prior hands-on experience with one or more core technology stack components within the assigned portfolio, such as relevant frameworks and/or programming languages</li><li>Advanced to authoritative level knowledge and understanding of solution architecture, complex application systems design and platform integration via modern approaches (i.e. RESTful APIs, event-driven layered Architecture, Message brokers )</li><li>Experience integrating with core banking systems, payment gateways, fraud/risk platforms, and external bank rails.</li><li>Proven understanding of relevant supporting architecture domains required to align and deliver solutions (business, information, application, technical, etc.) </li><li>Ability to perform system design reviews to ensure selection of appropriate technology, efficient use of resources, and alignment to strategic platform roadmaps</li><li>Channel-specific solution architecture skills as required by the assigned platform, such as web, mobile, voice or interactive media</li><li>Advanced skills with Open Source components, frameworks and complex systems integration</li><li>Full understanding of Service Oriented Architecture design principles, execution patterns and performance optimization techniques</li><li>Able to participate in the prevention, diagnosis, and resolution of system outages as a leader in the underlying architecture</li><li>Experienced level understanding of relevant SDLC methodologies, practices and compliance policies/procedures</li><li>Deep business capability domain knowledge relative to the assigned portfolio</li><li>Able to acquire results with an emphasis on reducing cycle time and growing the speed to market of new products </li><li>Excellent interpersonal skills (verbal and written), as well as effective consultative and influential leadership skills</li><li>Well versed in current industry best practices regarding solution delivery disciplines </li><li>Strong business insight with the ability to identify key issues and their impact in a broad business context </li></ul> Salary Range: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + benefitsThe 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 target="_blank" href="https://www.americanexpress.com/en-us/colleagues/benefits">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 target="_blank" href="https://www.eeoc.gov/poster">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 target="_blank" href="https://www.eeoc.gov/poster">https://www.eeoc.gov/poster</a>Depending on factors such as business unit requirements, the nature of this position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.