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.

Business Unit/Role Specific Information

American Express National Bank (AENB): American Express’ chartered national bank. Headquartered in Utah, AENB is the single largest entity within American Express’ business, currently representing more than 50 percent of the Company’s Card Member Spending, nearly 90 percent of its lending and more than 60 percent its of revenues. AENB provides its customers with access to consistent payments, financing and savings products in three ways, including issuing and servicing charge and credit cards for our consumer and small business segments, offering commercial loans to small and midsized merchants, as well as installment loans to consumers; and maintaining a Personal Savings program consisting of high-yield savings accounts and certificate of deposit products.

The Enterprise Affiliate Management Center of Excellence (EAM COE) leads the governance, contracting, relationship management, reporting and quality assurance for affiliate services, ensuring compliance with third-party risk management standards and regulatory expectations. 

Enterprise Affiliate & American Express National Bank Governance: The team is responsible for the Enterprise & Affiliate Management programs and a Regulatory Operations team responsible for FDIC 370 Governance, AENB Legal Entity Governance, Regulation O, the Enterprise Consecutive Absence Program, and other regulatory operations. 

How will you make an impact in this role?

The ideal candidate will play a key supporting role across multiple teams within Affiliate Management, gaining hands-on experience in the five phases of the third-party cycle including but not limited to: establishing and maintaining affiliate contracts, ongoing validation and governance, monitoring and performance reporting, and quality assurance. The candidate will also support other regulatory and governance processes. Responsibilities include:

Capture and analyze information from a wide array of sources; identify trends and articulate decisions clearly. Demonstrate strong analytical thinking and problem-solving abilities in a dynamic, data-driven manner. Assist with the development and testing of tools and systems used to manage affiliate relationships and operational risk processes Collaborate with cross-functional teams to support business continuity planning, control testing, and records management. Track progress, validate resolution efficiency, and communicate status updates to collaborators frequently and candidly. Support the end-to-end third-party lifecycle for affiliate engagements such as reviewing enterprise & AENB agreements, implementing risk-based due diligence activities, monitoring adherence to AXP policies and regulatory requirements, supporting monitoring and performance reporting, and completing quality assurance and testing. Contribute to ad-hoc projects related to regulatory and operational risk programs and initiatives (i.e., root cause analysis and identification of solutions, data & trend analysis, implementing system enhancements and new reporting capabilities).

Minimum Qualifications

Currently enrolled in a Bachelor’s degree program in Finance, Economics, Business, Risk Management, Data Analytics, or a related field. Bachelor’s degree candidates with an expected graduation date between December 2026 and June 2027. Strong analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios. Ability to manage multiple tasks and prioritize effectively in a fast-paced environment. Strong attention to detail and superior organizational and follow through skills. Proficiency in Microsoft Office Suite (Excel, PowerPoint, SharePoint, Word). Excellent communication and collaboration skills within a team-oriented, matrix organization. Effectively works independently within a team construct while supporting teamwork and achievement of team objectives.

Preferred Qualifications

Understanding and knowledge of Global Systemically Important Banks (GSIBs) and corporate organization structure. Experience using reporting tools and data analytics to recommend innovative solutions or systems to streamline processes. Curiosity surrounding risk management and/or third-party and affiliate management. Experience with data analytics, reporting tools, AI tools or automation. Demonstrated interest or exposure in regulatory compliance and/or risk management, legal studies, contract management, or business negotiations.

Salary Range: $24.05 to $63.00 hourly + sign-on bonus

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.

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

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.

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