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

Job description

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.

Responsibilities

• Serve as a 1LOD regulatory compliance advisor for U.S. commercial card and payments products, ensuring alignment with applicable regulations (e.g., UDAAP, Regulation Z, Regulation B, Regulation E, GLBA/privacy, and relevant state laws)
• Translate regulatory requirements into clear business requirements, controls, and operational processes across the customer lifecycle (origination, onboarding, servicing, billing, and collections)
• Drive implementation and ongoing enhancement of regulatory controls, including those related to disclosures, billing accuracy, customer communications, error resolution, and customer treatment
• Monitor and analyze compliance risk metrics, customer impact indicators, and control effectiveness, escalating issues as appropriate
• Identify, assess, and support mitigation of compliance risks within the business
• Partner with business stakeholders and Compliance (2LOD) to design, implement, and enhance controls
• Execute and support compliance risk assessments (RCSA) and control monitoring activities
• Support regulatory exam readiness and response efforts, including coordination, documentation, and remediation tracking
• Support regulatory issue remediation and corrective action plans, ensuring timely and sustainable resolution
• Provide regulatory guidance on new products, features, and business changes
• Support consistent interpretation and application of regulatory requirements across the business
• Contribute to promoting a culture of compliance and accountability within the organization

Qualifications

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.