Manager-compliance - credit & fraud risk

Manager-Compliance - Credit & Fraud Risk BRIGHTON, EAST SUSSEX, United Kingdom(Hybrid) Job Description Manager, Compliance - International Credit & Fraud Risk The Global Risk & Compliance (GRC) organization serves as American Express' independent risk management function. GRC maintains the enterprise risk framework, provides oversight and challenge, and monitors key risks. By embedding risk discipline into strategy and operations, GRC enables responsible growth, innovation, and long-term value creation while protecting customers and shareholders. This position will play a key role as a line of business compliance officer within the Global Compliance & Ethics organization providing compliance advice and support to the International operations of the Credit and Fraud Risk organization (CFR) at American Express. As a Compliance Manager, International CFR, the successful candidate will be responsible for providing independent compliance oversight and second-line effective challenge to help ensure the business is building, enhancing, and maintaining an effective framework for compliance with applicable internal policies, laws, regulations. Responsibilities Specific responsibilities will include, but are not limited to, the following: Liaise and provide effective challenge to the CFR business stakeholders on compliance/regulatory requirements applicable to projects, strategies and credit, fraud, marketing and AI models. Review and provide advice on activities related to compliance risk management and strategies in all aspects of the credit lifecycle, both for Card and non-Card lending, for Consumer and Commercial products from underwriting, eligibility criteria, spend limits, credit bureau reporting through collections, settlements, disputes, fraud prevention, and any issue management. Active participation during stakeholder meetings to provide effective challenge with respect to new, existing, and changing products, services and capabilities to confirm that appropriate compliance processes and controls are put in place to mitigate compliance risk. Support delivery of CFR's International compliance program, including Compliance Risk Assessment (CRA) and Regulatory Change and Inventory Management (RCIM) and provide oversight and challenge on business owned Key Risk Indicators (KRIs) and Regulatory Business Self Testing (RBST) where required. Effectively collaborate and maintain strong relationships with colleagues across GCE, second line oversight teams in Global Risk & Compliance organization, key subject matter experts such as General Counsel's Organization, and other stakeholders across the Blue Box. Support the Compliance Issue Management process and ensure appropriate decisioning of Compliance issues, timely closure of gaps and customer remediation where required. Support regulatory examinations, internal audit reviews, Compliance monitoring and testing, and related efforts where required. Support execution and implementation of compliance oversight activities, including monitoring and assurance, record keeping, data and trends analysis, customer outcome assessments, and disparate impact analysis, as required. Qualifications Essential regulatory knowledge of applicable international regulatory frameworks and internal policies governing CFR processes, including consumer credit laws and regulations, consumer protection and conduct risk (e.g., unfair or deceptive practices and fair treatment of customers), responsible lending and affordability requirements, data protection and privacy credit reporting and data usage obligations, collections and serving standards, and emerging AI and digital governance frameworks across major global regulatory frameworks (including GDPR, EU AI Act, UK Consumer Act, Singapore PDPA), as well as other applicable jurisdictional requirements across global markets and the ability to translate jurisdictional requirements into consistent and actionable guidance across diverse markets. Ability to research, assess and determine regulatory impact to business systems, processes and initiatives and influence decisions accordingly. Effective collaboration and teamwork skills and ability to work well in cross-functional team settings in a fast-paced environment to drive business results, utilizing stakeholder engagement skills, employing creative thinking, and the ability to work on competing priorities, adapting easily to frequent change. Effective verbal and written communication skills, including the ability to influence a broad spectrum of key stakeholders. Ability to understand and integrate details of business operational/systemic environment in applying legal and policy requirements. Self-motivated, high level of personal energy and commitment. Employment eligibility to work with American Express in (the country) is required as the company will not pursue visa sponsorship for these positions. At American Express, our culture is built on a 175-year history of innovation, shared values (https://www.americanexpress.com/en-us/company/who-we-are/) and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service. As part of Team Amex, you'll experience our 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. 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 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. Job Info Job Identification 26009377 Job Category Compliance, Control & Legal Posting Date 06/17/2026, 04:24 PM Apply Before 06/30/2026, 11:00 PM Job Schedule Full time Job Shift Day Locations AMEX 1 John Street, Brighton, East Sussex, BN88 1NH, GB(Hybrid) Career Area Corporate Functions Return to Jobs List (https://careers.americanexpress.com/en/sites/CX\_1/jobs)