Director-Compliance

Job ID: 26015324Posted: 2026-10-23Location: Sandy, UT, United States; Charlotte, NC, United States; Phoenix, AZ, United States; Sunrise, FL, United StatesSalary: $123000 - $215250 annually + bonus + equity (if applicable) + benefitsJob Function: Staff ManagerSchedule: Full timeWorkplace: HybridCareer Area: Analytics & Risk ManagementCompany: American ExpressDescriptionDirector, Compliance Officer – U.S. Credit & Fraud Risk DescriptionThis position will play a key leadership position as a line of business compliance officer within the Global Compliance & Ethics organization providing compliance oversight over the U.S. operations of the Credit and Fraud Risk organization (CFR) at American Express. As the Director of Compliance, U.S. CFR, the successful candidate will lead a team responsible for providing independent compliance oversight and second-line effective challenge to help ensure the business is building, enhancing, and maintaining an effective framework for compliance with applicable internal policies, laws, regulations. ResponsibilitiesSpecific responsibilities will include, but are not limited to, the following:Lead engagement with CFR business stakeholders and provide effective challenges on compliance and regulatory requirements related to projects, strategies, and credit, fraud, and marketing models, including AI and GenAI models. Review and provide oversight of compliance risk management activities and strategies across the credit and fraud lifecycle for Card, non-Card lending, and banking products, including consumer and commercial products. This includes underwriting, eligibility criteria, spend limits, credit bureau reporting, collections, settlements, disputes, fraud prevention, and issue management. Active participation in CFR councils and other planning meetings to provide effective challenge regarding new, existing, and evolving products, services, and capabilities, ensuring appropriate compliance processes and controls are established to mitigate compliance risk.Manage a team of Compliance professionals in delivering CFR’s U.S. Compliance Program, including Compliance Risk Assessment (CRA) and Regulatory Change and Inventory Management (RCIM). Provide oversight, guidance, and effective challenge of business-owned Key Risk Indicators (KRIs) and Regulatory Business Self-Testing (RBST), as required. Develop and retain talent to maintain a strong team, supporting colleagues in achieving their career goals, and fostering collaboration and information sharing to enable effective decision-making.Effectively collaborate and maintain strong relationships with colleagues across GCE, second-line oversight teams within the Global Risk & Compliance organization, key subject matter experts including the General Counsel’s Organization, and other stakeholders across the Blue Box.Support the Issue Management process by ensuring appropriate decision-making for compliance issues, the timely closure of identified gaps, and customer remediation when required.Support regulatory examinations, internal audit reviews, compliance monitoring and testing activities, and other related efforts, as required.Coordinate the team’s execution of the CRA, including reviewing legal inventories, ensuring applicable laws and regulations are mapped to the appropriate business process, assessing and overseeing the strength of the control environment, communicating results to business partners, reviewing action plan development, and following up to ensure identified gaps are addressed and closed.Support the execution and implementation of compliance oversight activities, including monitoring and assurance, recordkeeping, and data and trend analysis, as required.Promote the use of industry and internal best practices, while incorporating regulatory feedback to drive continuous improvement.QualificationsMinimum Qualifications Qualifications: Essential regulatory knowledge of U.S. credit laws and regulations, including Unfair, Deceptive, or Abusive Acts or Practices (UDAAP); the Electronic Fund Transfer Act (Reg E); the Equal Credit Opportunity Act (Reg B); the Fair Credit Reporting Act (FCRA); the Fair Debt Collection Practices Act (FDCPA); the Truth in Lending Act (TILA/Reg Z); Reg V; Fair Lending requirements; the Servicemembers Civil Relief Act (SCRA); the Military Lending Act (MLA); privacy regulations; emerging AI regulations; and other applicable federal and state laws and regulations. Ability to research, assess and determine regulatory impact to business systems, processes and initiatives.Excellent collaboration, teamwork, and project management skills, with the ability to work effectively in cross-functional teams within a fast-paced environment to drive business results. Demonstrates creative thinking, manages competing priorities effectively, and adapts easily to frequent change.Effective verbal and written communication skills, including the ability to persuade and influence a broad spectrum of constituents at multiple levels.Strong interpersonal skills and ability to effectively interact at multiple levels within the organization and with external counterparties. Ability to understand and integrate business operational and systemic details when applying legal and policy requirements.Self-motivated, with a high level of personal energy and commitment.Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions. About the TeamAt 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.