Manager - First Line of Defense (1LOD) Regulatory Compliance Advisory

We are seeking an experienced Manager – First Line of Defense (1LOD) Regulatory Compliance Advisory professional to support U.S. Commercial Card and Payments businesses. This role is part of the GCS Regulatory Advisory Practices team and is responsible for driving the execution of regulatory compliance activities to ensure business operations align with applicable U.S. laws, regulations, and internal policies.

This role provides proactive regulatory guidance to business partners, with a focus on consumer protection, commercial card, and payments regulations, including requirements related to customer treatment, disclosures, billing practices, and data usage. The individual will translate regulatory requirements into actionable business processes and controls, ensuring alignment with enterprise compliance frameworks and regulatory expectations.

The position requires close collaboration across business units, Compliance (2LOD), Legal, Risk, and Audit, and plays a key role in regulatory change management, exam readiness, and issue remediation. The ideal candidate has strong knowledge of U.S. regulatory frameworks governing payments and lending products and can effectively balance regulatory requirements with business objectives.

Minimum Qualifications

- 4+ years of related experience in regulatory compliance, risk management, or governance within a financial institution
- Strong knowledge of U.S. regulatory frameworks/compliance laws including UDAAP, Regulation Z, Regulation B, Regulation E, and GLBA
- Experience supporting regulatory exams (e.g., CFPB, OCC, Federal Reserve)
- Experience with compliance risk assessments (RCSA) and control design/implementation
- Solid understanding of customer lifecycle risks across payments or lending products
- Ability to translate regulatory requirements into practical business controls
- Strong stakeholder management and communication skills
- Bachelor's degree

Preferred Qualifications

- Experience in commercial card, payments, or transaction banking
- Experience in a large financial institution or highly regulated environment
- Professional certifications (e.g., CRCM)
- Master's degree

Key Competencies

- Strong business acumen and sound judgment
- Regulatory interpretation and control design capability
- Effective communication and stakeholder influence skills
- Ability to manage multiple priorities in a complex, matrixed environment
- Execution-oriented with strong attention to detail

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