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.

• 5–7 years of experience in regulatory compliance, risk management, or governance within a financial institution
• Strong knowledge of U.S. regulatory frameworks 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

Qualifications - Preferred

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

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.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

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 Colleague Benefits Site .