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.

At American Express we recognize that our most valuable asset is our people. After all, it’s our people who deliver an excellent service to our customers all around the world, and it’s our people who therefore drive our ambition to become the world’s most respected service brand.

Our team is growing and we are looking for an AML Director to join our French Market Compliance team to lead on key regulatory compliance matters on an advisory basis, but also to operationalise key compliance program activities such as transaction monitoring, sanctions, PEP onboarding or regulatory reporting.

How will you make an impact in this role?

The succesful candidate will be responsible for overseeing all AML activities leveraging on a high skilled team and should seek to ascertain good compliance outcomes in line with prudential and conduct requirements, providing subject matter expertise and managing regulatory engagements and submissions relating to these areas. 

This is an exciting and challenging position with the opportunity to lead  and shape the strategy for managing and working closely with senior and specialist colleagues in the various business areas. 

Minimum Qualifications

Lead the French AML Compliance Advisory team consisting of transaction monitoring, sanction screening, PEP, Enhanced Due Diligence, KYC Advisory. Up to 30 colleagues assigned to the above subjects. Deputize for the Market Compliance Officer (“MCO”) on AML related matters in attending legal entity governance committee meetings and providing 2nd line compliance approvals where needed. Provide expert compliance risk assessment and guidance to all Legal Entities in the market and all business units and functions in the market with respect to the design and implementation of products, processes, services and controls to ensure compliance with all applicable areas of law. This includes customer onboarding, TM, and sanctions. Determine applicability of new laws, regulations and regulatory guidance to the business units and functions in close partnership with the General Counsel’s Office. Communicate requirements to relevant 1st and 2nd line teams in a meaningful way to enable them to understand what actions need to be taken to comply. Oversee implementation of changes required to comply by the regulatory effective date. Provide timely, pragmatic and balanced regulatory Compliance advice and challenge on regulatory risks, including through participation at Operational Risk Committees, and other local legal entity governance committees and forums. Ensure appropriate communication with business teams and timely escalation to senior business leaders, where appropriate. To address timely all internal Audit findings and follow up on remediation actions. Support the issue management program by providing Compliance advice and challenge on Operational Risk Events to determine Compliance impact, remediation and control enhancements required to meet regulatory expectations, and maintain oversight of action plans implemented by 1st line teams through to event closure. Support the MCO as needed with engagements with regulators with respect to information requests, thematic reviews, supervisory engagements, regulatory exams and other feedback from the regulator. Create and maintain AML compliance policies, procedures, Tier 2 mandatory training and communications programs appropriate for business activities and inherent compliance risks across the market. Demonstrate strong leadership behaviors such as collaboration, influencing skills and intellectual curiosity.

Preferred Qualifications

Between 10 to 15 years’ experience as a senior leader in Compliance within a financial institution. More than 10 years leadership experience Perfect command in English & French. Have led regulatory liaison teams at either a financial services firm, or been an active lead in a consultancy, regulatory body or law firm Strong knowledge of the payments and consumer credit regulatory framework in the France and Europe Ability to interpret the regulatory requirements, guidance, and developments and clearly communicate implications to a range of audiences, including Executive Management Strong analytical skills and experience with reporting, ability to drive insights from the data and provide actionable steps Excellent relationship building skills, with a track record that clearly demonstrates cultural awareness and an ability to build lasting partnerships across local and market teams. Must be self-motivated, dependable, adaptable and detail oriented with a proven ability to work independently or within a team environment. Strong interpersonal, organizational and time management skills and must be able to 0 competing priorities under demanding deadlines. Capacity to translate complex regulations into clear and applicable guidance Comfortable with a matrix organization. Hands on attitude. Lead by example. Non-considerations for sponsorship:  Employment eligibility to work with American Express in France is required as the company will not pursue visa sponsorship for these positions.  Considerations for sponsorship:  Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain 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 basic and variable salaries with the opportunity to share in the company's success Health Insurance*: Company paid medical insurance Free therapy with licensed Healthy Minds counselors for you and your household members, access to virtual counseling, grief and loss support, group drop-in sessions, and mental health trainings  Work onsite, in a hybrid model or fully virtual**with Amex Flex, our new working model Free telehealth services available 24/7 with a team of doctors, psychologists, and nutritionists Corporate wellness program focused on promoting good physical and mental well-being Innovative learning experiences that enable you to build new skills, reach your career goals and develop as leaders at all levels Childcare support    Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.