Manager-Compliance Jobs

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Compliance, Kabbage Credit Risk

This position is part of the Credit & Fraud Risk Compliance team which is responsible for administering a comprehensive regulatory compliance program for the Credit and Fraud Risk (CFR) function at American Express. The position will be responsible for the compliance program focusing on Credit Risk management for the Kabbage portfolio. The successful candidate will interface regularly with the Kabbage credit risk team and will be responsible for providing strategic guidance and support for risk management strategies and initiatives for card and non-card lending, from targeted solicitation through underwriting, customer management and collections, to ensure compliance with applicable laws and regulations. Specific qualifications and responsibilities include, but are not limited to, the following:

Qualifications:

• Bachelor’s degree required, graduate degree desirable
• Self-starter with an ability to research, assess and determine impact of regulatory requirements to business systems, processes and initiatives and influence decisions accordingly, while providing compliant solutions to achieve business objectives
• Knowledge of the US consumer and commercial credit and banking laws and regulations as well as of American Express commercial products and services, business plans, and technology
• Demonstrated ability to make decisions independently, work well under pressure, meet deadlines and adapt effectively to frequent change
• Well-developed leadership skills aligned with the American Express leadership model, including demonstrated traits such as defining the agenda for winning, making enterprise thinking and collaboration essential, and doing it the right way
• Compliance, audit, legal or related experience
• Understanding of risk management functional areas and analytical disciplines, a plus
• Strong analytical and organizational skills with an ability to think both tactically and strategically
• Superior verbal and written communication skills, and proven ability to persuade and collaborate effectively at all levels of the organization
• Superior project management skills including ability to manage multiple projects and support multiple priorities simultaneously
• Certification in compliance (e.g., CRMC) desired, but not required
• Meticulous attention to detail
• Strong interpersonal skills / ability to develop relationships with colleagues across multiple business functions

Job Responsibilities:

• Provide leadership and compliance guidance to the Kabbage Credit and Fraud Risk team on risk management strategies across E2E risk functional areas, from new accounts to collections, and interface effectively with and support teams to ensure proper communication and collaboration across organization lines.
• Provide Reg B and credit risk related subject matter expertise to other compliance teams, as appropriate
• Define and ensure proper documentation and approve compliance related procedures, requirements, communications and other credit and fraud risk management related activities.
• Support CFR’s continuous innovation, while enhancing customer experience and ensuring safe and sound practices, consistent with regulatory expectations
• Research laws, regulations, operations policies and procedures to provide guidance to the Kabbage Credit and Fraud Risk partners regarding regulatory requirements.
• Work closely with the General Counsel’s Office while maintaining strong working partnerships with other Compliance Officers, and other key subject matter experts across the Blue Box
• Conduct ongoing risk assessment, monitoring and reporting activities to keep business and bank leadership informed of regulatory risks and issues.
• Maintain a proficient knowledge of banking laws and regulations, their impact on American Express products, operations and services, as well as consumer protection laws and regulations governing credit card and loan activities.
• Support Risk Assessments and Corrective Actions, as applicable

Salary Range: $90,000.00 to $165,000.00 annually + bonus + 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 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:

• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Career development and training opportunities
• Competitive base salaries
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• Free and confidential counseling support through our Healthy Minds program
• 6% Company Match on retirement savings plan
• Bonus incentives
• Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex

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

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.

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.

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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Considerations for sponsorship:

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.