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In our European Consumer Compliance Organization, we are looking for a Compliance Analyst to join our European Payments Regulatory Compliance Team.

This position will play a critical role within the European Compliance Organization to drive the response to the ever-changing Payments regulatory framework in the Region, with a specific focus on EU Regulations and their impacts on EU Member States, and will be key to build, manage, and lead an effective European framework for compliance with applicable laws and regulations in key sectors such as Payment Services and Consumer Protection.

Beside supporting the Compliance Manager and the EMEA Market Compliance Officers Community, this position will also work in close cooperation with other departments such as the General Counsel's Organization (GCO), Government Affairs, Line of Business Compliance and Operational Excellence to build a common platform across European markets and facilitate the adoption of a consistent Compliance strategy and oversight (including impact identification, requirements building, assisting development of 2nd line testing, Smart Monitoring KRIs etc.). This position will also facilitate awareness, communication and escalation of matters related to payments regulations, so that risk can be promptly understood and timely mitigated by the Company.

This position will report to the Compliance Manager– European Payments Compliance, Advisory.

Your primary responsibilities will include:

• Providing centralized Compliance support and advice across EMEA on key regulatory projects in the payment services sector for the Consumer business (e.g. PSD2, IFR, SEPA, EU Retail Payments, Digital Finance Strategy and Consumer Agenda, Consumer Credit Directive) and with a specific focus on EU Regulations and their impacts on EU Member States, to determine compliance strategies and internal policies and procedures;

•  Supporting the Compliance Manager in delivering an early Compliance impact assessment of new regulations, to ensure the timely implementation of requirements and controls through the RCM process;

• Supporting the Compliance Manager in ensuring the documentation and accelerating the harmonization of compliance requirements across EU markets, with a specific focus on Benelux;

• Facilitating awareness, communication and escalation of matters related to payments regulation, supporting responses to actual or potential risks;

•  Supporting the Compliance Manager in building a structured program of reporting to regulators, including a database of historic submissions sent to regulators in connection to European Payments regulations;

• Working in close cooperation with other AXP departments in the Region such as GCO, Government Affairs, Operational Excellence as well as MCOs, particularly in Benelux, and LOBCOs, to build a robust common platform across European markets and facilitate the adoption of a consistent Compliance strategy and oversight – impact identification, requirements building, assisting development of 2nd line testing, Smart Monitoring KRIs etc.;

• Identifying key risks for the Region, with a specific focus on Benelux, and providing regulatory assessment and rationale for risk scoring;

• Providing interpretation of the EU-wide regulatory requirements and reporting instructions and support the business in - validation of the proposed logic, - assessment and escalation of identified risks; - addressing any queries from supervisory authorities (central or local); - handling of ACP goals to ensure timely delivery;

• Policy & Procedures oversight / Audit support: drafting second-line policies and procedures driven by EU-level regulation, updating in case of impacting regulatory change, addressing any audit queries regarding interpretation of requirements.

Minimum Qualifications

• At least 3 years of experience in compliance and regulatory matters, preferably in banks/financial institutions;
  
• University degree (a degree in Law or Business and Economics is preferred);
  
• Significant and proven experience advising on EU Payment Services and Consumer Protection-related regulations;
  
• Intellectually strong with sound judgment;
  
• Excellent interpersonal skills at local & international levels;
  
• Excellent organizational and planning skills;
  
• Self-motivated and positive thinker, creative and team-player;
  
• Able to manage multiple projects simultaneously and ensure constant project monitoring and execution;
  
• Strong communication and influencing skills;
  
• Excellent leadership and negotiating skills, personal excellence and accountability to drive winning solutions;
  
• Ability to work under pressure with multiple tasks;
  
• Excellent knowledge of English language, spoken and written. Knowledge of additional European languages is a plus.

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.