Analyst-Compliance: Termination of Accounts - job 2 of 4

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.

Global Financial Crimes Surveillance Unit (GFCSU) and the US Investigations Unit (USIU) are part of the broader Global Risk & Compliance organization, operating within Global Financial Crimes Compliance (GFCC). Together, they provide end-to-end oversight and support of global financial crimes investigations. In partnership with GFCC, GFCSU and USIU develop and implement transaction monitoring rules, reports, and other tools to detect potential criminal activity. They investigate suspicious financial behavior and, when necessary, file Suspicious Activity Reports (SARs) with the Financial Crimes Enforcement Network (FinCEN) or refer cases to internal compliance partners for global reporting. These teams also manage risk related to politically exposed persons (PEPs) through sanctions screening and enhanced due diligence processes, as well as improper payments that may signal bribery, corruption, or other illicit conduct. GFCSU and USIU play a vital role in ensuring compliance with key regulations, including the Bank Secrecy Act (BSA), USA PATRIOT Act, and the Foreign Corrupt Practices Act. They also support law enforcement by providing critical information to combat money laundering, terrorist financing, credit card fraud, identity theft, and other financial crimes. 

Role/Team Introduction 

The Termination of Accounts (TA) team is responsible for evaluating customer relationships for termination and/or prevention of future accounts, due to money laundering, reputational risk, and/or other relevant factors. 

Job Responsibilities/Tasks 

The TA Analyst will be responsible for analyzing referrals to the TA team related to instances of potential money laundering activity and/or suspicious financial activity across multiple jurisdictions and countries, utilizing a wide variety of research and analytical tools. 

• Conduct time-sensitive and thorough account reviews to make recommendations regarding account terminations and the prohibition of customers from establishing new American Express relationships 

• Build strong relationships with strategic partners, internal GFCC colleagues and TA team members to ensure effective coordination of significant case reviews and TA reviews 

• Produce well-written reports detailing and analyzing potentially suspicious activity and, when appropriate, collaborate with GFCC leadership on account termination decisions 

• Demonstrate excellent verbal and written communication skills; a keen attention to detail in writing and analysis; proven analytical and problem-solving skills; and an ability to manage multiple varied projects simultaneously 

Minimum Qualifications 

• Minimum of two years of professional experience in the legal, audit, investigations, compliance, or financial services, with demonstrated responsibility in research, analysis, or risk related work.

• Proficiency in Microsoft Excel, Microsoft Word, and internet-based research

• Strong written and verbal communication skills, with proven ability to analyze and present complex information clearly

• Strong analytical skillset with keen attention to detail while handling confidential and complex work.

• Proven ability to manage multiple priorities, meet tight deadlines, and collaborate effectively in a team-oriented environment.

Preferred Qualifications 

• Bachelor’s degree in a relevant field such as a Criminal Justice, Finance, Accounting, Statistics, Journalism, or a related discipline.

• Detailed knowledge and understanding of American Express SAR filing requirements and AML investigations 

• Flexibility and adaptability in navigating evolving regulations and compliance requirements

• Certified Anti-Money Laundering Specialist (CAMS) or similar industry recognized credentials

Salary Range: $55,000.00 to $105,000.00 annually + bonus + benefits

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.

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