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.
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

Work arrangement
Hybrid