Senior Analyst-Enterprise Risk Management and Change Governance

Job Description

Work Location Options :

Hybrid

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.

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 Governance and Change team is to establish the Operational Risk and Governance strategy for US Consumer, setting up a foundational governance structure that ensures operational risks are identified, assessed, and managed in compliance with enterprise Operational Risk Management programs and reporting.

The Sr. Analyst will help drive business unitlevel risk management practices that align with enterprise strategy and governance. This role will support the development of a business unit risk appetite framework, support risk identification and assessment processes, and support internal and external exam fieldwork.

The Sr. Analyst, US Consumer Governance and Change will also play a key role in leading policy management and maintenance for USCS. This includes becoming the primary source of knowledge on all USCS policy updates, overseeing policy governance activities, and ensuring alignment with Enterprise Risk Management (ERM) standards. The Sr. Analyst will partner closely with Enterprise Risk Management (ERM) teams to ensure USCS policy governance remains compliant, consistent, and transparent across the organization.

Key Responsibilities :

Lead policy management for USCS Governance, staying up to date on all emerging changes, and effectively communicating with key USCS stakeholders.

Serve as a subject matter expert and liaison with Enterprise Risk Management (ERM), maintaining strong collaboration to align on governance, reporting, and regulatory standards.

Integrate enterprise risk management framework across USCS through regular communication

Track specific issues with KRI limits and risk appetite for US Consumer Services to ensure operational risks are managed within agreed thresholds.

Help develop BU-specific procedures and standards (e.g., escalation protocols) related to the execution of the Operational Risk Management programs.

Support internal and external exam management processes, working with Enterprise functions (e.g., data request compilation, action implementation, and regulatory adherence).

Assist in implementing portions of the operational risk framework to enable effective risk management and decision-making in the BU.

Support execution plans for operational risk management within the business unit (BU), including BU-specific guidelines and project plans

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

Strong skills with Microsoft Office products including Excel, PowerPoint, and SharePoint.

Preferred Qualifications :

Bachelors Degree in Finance Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous

Preferred : Experience in Enterprise Risk Management and / or policy management and governance.

Experience in at least one of the following :

Translating operational risk strategy and appetite into execution guidelines

Tracking and identifying issues with Key Risk Indicator (KRI) limits and risk appetite to ensure operational risks are managed within agreed thresholds

Facilitating the implementation of the operational risk governance frameworks

Developing, communicating and ensuring understanding and adherence to operational risk procedures and standards

Supporting the operational risk exam management processes

Salary Range : $78,000.00 to $124,750.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, well 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 :

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

For a full list of Team Amex benefits, visit our .

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. That's 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.

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Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

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