Analyst-Compliance

Analyst-Compliance

Charlotte, NC, United States(Hybrid)

** Job Description*
* Global Compliance and Ethics (GCE) is responsible for establishing and maintaining a robust compliance program that ensures American Express is adhering to laws, regulations, and internal policies while fostering a culture of integrity and effective second line independent Compliance oversight.

We are seeking a detail-oriented and proactive professional to join our Compliance team as an Analyst in International Independent Compliance Testing (ICT). The successful candidate will support the delivery of high-quality independent assurance over financial crime compliance by executing testing activities, analysing evidence, and documenting clear, well-supported conclusions. This role requires strong analytical skills, attention to detail, and the ability to work effectively with colleagues across a complex, global regulatory environment.

** This role is focused on Financial Crime Compliance and requires working knowledge of, or a strong interest in developing expertise across, Anti-Money Laundering (AML), Economic Sanctions, Know Your Customer/Customer Due Diligence (KYC/CDD), Anti-Bribery and Corruption (ABC), Financial Crimes Investigations, Transaction Monitoring, and Suspicious Activity Reporting.*
* The successful candidate will apply this knowledge to test the design and operating effectiveness of financial crime controls, evaluate the quality of risk-based decisions, and support assessment of compliance with global regulatory requirements and internal standards across multiple jurisdictions.

** Responsibilities*
* Testing Execution

+ Execute assigned testing activities across financial crime risk areas - including AML, sanctions, KYC/CDD, ABC, transaction monitoring, and suspicious activity reporting - in accordance with ICT methodology, internal standards, and agreed review plans.

+ Support the end-to-end testing lifecycle, including planning, walkthroughs, fieldwork, evidence review, workpaper preparation, and reporting.

+ Analyze financial crime policies, procedures, data, processes, and controls to assess compliance with applicable regulatory requirements and internal standards.

+ Maintain accurate, complete, and well-supported testing documentation and work papers.

+ Manage assigned tasks across multiple reviews or work streams, meeting agreed quality and delivery timelines.

+ Support testing and post-closure validation of remediated financial crime controls, assessing whether regulatory commitments and remediation milestones have been met.

Risk Identification, Assessment & Reporting

+ Apply established testing procedures to assess financial crime compliance risks and control effectiveness objectively.

+ Identify potential gaps, control weaknesses, or exceptions and escalate them to the review lead in a timely manner.

+ Form evidence-based conclusions and document testing results clearly and accurately.

+ Apply professional skepticism when testing risk-based decisions - for example, whether alerts, enhanced investigations, no-file SAR decisions, customer risk ratings, or sanctions alert dispositions were appropriately reached and supported - rather than confirming data accuracy alone.

+ Support preparation of concise review reports, issues/findings, and materials for relevant stakeholders and governance forums.

Stakeholder Engagement

+ Develop an understanding of the business model, products, services, and relevant financial crime regulatory obligations across the jurisdictions in scope.

+ Work with Legal Entity Compliance Officers, financial crime teams, business teams, and other risk functions to obtain information and supporting evidence.

+ Participate in stakeholder meetings and contribute to discussions on review scope, testing progress, and results.

+ Build effective working relationships with colleagues across jurisdictions, business units, and functions.

+ Communicate testing queries, results, and concerns clearly and professionally.

Team Contribution & Development

+ Work collaboratively with review leads and other testing colleagues to support consistent, high-quality delivery.

+ Actively seek feedback and build technical knowledge of financial crime compliance, testing methodology, control evaluation, and relevant regulatory requirements.

+ Share knowledge and contribute to an inclusive, collaborative, and continuous-learning culture.

Framework & Regulatory Alignment

+ Apply the global ICT framework, standards, procedures, and templates consistently.

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