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Description

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. As part of Team Amex, you'll experience this 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.

The U.S. Consumer Services Team is responsible for our suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, U.S. Consumer Banking, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day.

The objective of the US Consumer Services Governance and Change Management team is to establish the Operational Risk and Controls strategy for US Consumer Services, set up a foundational governance structure that ensures operational risks are identified, assessed, and managed in compliance with enterprise Operational Risk Management programs and reporting.

This individual will be responsible for driving business unit–level risk management practices that align with enterprise strategy and governance. This role will lead the execution of change management initiatives to ensure risks associated with major transformations, new products, or system changes are effectively managed. The individual will also lead the development of a business unit risk appetite framework and support risk identification and assessment processes.

The successful candidate will combine strong analytical and facilitation skills with an ability to partner cross-functionally, serving as a trusted advisor to business leadership and a connector between risk, operations, and change governance.

Core Responsibilities:

+ Develop and maintain change risk governance policies, standards, and procedures that align with enterprise frameworks.

+ Establish change risk assessment processes, including evaluation of potential risks within the scope of the BU risk appetite.

+ Design, implement, and maintain a business unit–level risk appetite framework aligned with enterprise policies and standards.

+ Define key risk indicators (KRIs), thresholds, and escalation processes to monitor adherence to risk appetite.

+ Collaborate with Enterprise Risk, Finance, and business leadership to embed risk appetite into planning, decision-making, and performance management cycles

+ Lead or facilitate risk identification and assessment workshops with senior business stakeholders.

+ Create presentations and materials which are concise and clear for communication with senior leadership and multiple cross-functional stakeholders

+ Support internal and external exam fieldwork, as required.

Experience:

+ Minimum 5 years of experience in enterprise risk management, operational risk, internal audit, or governance roles.

+ Proven experience designing or implementing risk frameworks, particularly within large or regulated organizations.

+ Demonstrated experience in change management governance, including assessing change-related risks, coordinating with cross-functional teams, and ensuring compliance with risk policies.

+ Experience facilitating risk assessments, workshops, and governance forums at the management or senior leadership level.

Minimum Qualifications:

+ Deep understanding of enterprise risk management frameworks and change management risk governance principles.

+ Strong analytical and critical thinking skills; capable of translating data and trends into actionable risk insights.

+ Excellent stakeholder management and communication skills, with the ability to influence across multiple levels of the organization.

+ High level of business acumen, sound judgment, and integrity.

+ Knowledge of commercial payments industry & economics advantageous

Qualifications

Salary Range: $103,750.00 to $174,750.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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 .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

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

**Job:** Risk

**Primary Location:** US-New York-New York

**Other Locations:** US-Utah-Sandy, US-Arizona-Phoenix, US-Florida-Sunrise

**Schedule** Full-time

**Req ID:** 25020824