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At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

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Job Description (Senior AML Analyst)

Position Summary:

This position will be responsible for implementing and managing the AML programs to meet with both the global and local Financial Crime Compliance requirements, including Anti Money-Laundering (AML), Counter-Terrorist Financing (CTF), Sanctions and Anti-Corruption. This position will support implementation and local roll-out of AML/CTF programs by collaborating with compliance SMEs and stakeholders in the Operation and Business functions.  This position will be able to get comprehensive exposures in AML and Compliance Programs, such as policy making, compliance monitoring & testing, risk assessment, transaction monitoring, reporting, training, and advisory work. This is a great opportunity to work in an international environment that provides career opportunities in a broad scope, offering great benefit and flexibility, and work-life balance. The company is well recognized and ranked No. 3 for “Best Companies to Work for" In Japan (2024 ranking).

Success factors for this position: include an in-depth understanding of AML, CTF, and Sanction programs and pertinent regulatory requirements and operational processes to be able to provide effective advice to the key stakeholders; extensive experience in AML work or regulatory compliance; skills to manage multiple tasks and time management; eager to learn and develop professionally; and interest and skills to deal with overseas stakeholders.   

Primary responsibilities:

1. Monitor regulatory changes, keep up-to-date with significant regulatory developments, evaluate necessary compliance actions and support the business to respond to regulatory changes. 

2. Participate in both Japan and global project projects as a Compliance SME, providing reviews and compliance advisory as needed, partnering with Global Financial Crime Compliance (GFCC), Legal Team and the Business functions to meet both enterprise and local compliance requirements.  

3. Develop and maintain up-to-date local compliance policies & procedures, and training materials by effectively incorporating necessary local regulatory requirements.

4. Develop and conduct reviews of various metrics and reports as part of the compliance oversight responsibility, in addition to conduct monitoring and testing activities.    

5. Perform thorough reviews and investigation on suspicious activities and transactions and prepare necessary Suspicious Activity Reporting to the regulator; develop transaction monitoring scheme including rule making, effectiveness assessment and enhancement.

6. Able to independently perform reviews and conduct investigation on Sanction and PEPs alerts in accordance with Global and Local policies and procedures; ensure quality standards of the deliverables in accordance with Global and Local policies and procedures. 

Minimum Qualifications:

Knowledge and Skills

• Bachelor’s Degree preferred, or equivalent combination of education, training, and experience.

• Minimum 3-5 years of experience in regulatory compliance, legal, internal audit, operational risk, or financial crime investigation involving AML/CFT process in Japan. Professional certifications in relevant area a plus (CAMS). 

• Strong understanding of the Japan AML regulatory requirements and internal controls and business/operation processes for retail consumer financial services or credit card business or payment industry.  

• Ability to handle and manage work effectively, navigating global-based organization and operating systems, willingness to learn and develop professionally.

• Excellent communication skills, both verbal and written in both Japanese and English. Japanese – native level; English – business level; able to effectively work with both local and overseas stakeholders.

Proven leadership skills, able to collaborate with both compliance and other departments, effectively influence stakeholders and deliver desired outcome.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• Competitive base salaries 
• Bonus incentives 
• Support for financial-well-being and retirement 
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) 
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 
• Generous paid parental leave policies (depending on your location) 
• 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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.