Audit Senior Manager - Credit & Fraud Risk

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.

About the Internal Audit Group at American Express

Our Internal Audit Group is a worldwide function with 300+ team members and offices across nine countries within American Express. Our mission is to protect and enhance organizational value by providing independent, objective, risk-based assurance, advisory services and to influence the way the company manages risk.

We are committed to growing our audit staff significantly as we continue to expand and enhance the Internal Audit Group. Our assurance and risk professionals have diverse backgrounds including internal controls, consumer compliance, technology, operational risk, financial accounting, data analytics, and banking operations. Our audit teams align to key risk areas and business units to ensure IAG can provide comprehensive and risk-based audit coverage. In addition, IAG has a Professional Practices group responsible for managing audit operations, quality, and standards; regulatory relations; reporting; training and professional development; and key internal capabilities and technologies.

About the Role:

Our Internal Audit group is seeking an Senior Audit Manager to assess financial, operational, and technological risks, ensure compliance with regulations, and improve internal controls. Join our Global Risk team with a focus on evaluating design and operating effectiveness of controls related to credit and fraud risk and related including considerations around applicable regulations and technology controls. The ideal candidate will have strong problem- solving skills, excellent attention to detail, and the ability to communicate audit results effectively.  

Key Responsibilities:

• Execute audit lifecycle responsibilities in accordance with American Express’ Internal Audit Methodology, internal policies and standards, and regulatory expectations, while consistently delivering with quality and professionalism.
• Evaluate credit and fraud risk management processes under review utilizing professional skepticism; execute audit tests and clearly document test results in accordance with internal policies and procedures.
• Hold walkthroughs with client personnel to understand, assess, evaluate, and document relevant risks and controls.
• Present audit overviews and results to senior management, supported by sound awareness of portfolio risks, dependencies, potential control gap impacts and emerging risks in a highly professional and proficient manner.
• Execute multiple simultaneous global audit projects of all sizes and complexity across multiple business areas including integrated audits that consider financial, operational, compliance and technology risk.
• Effectively coach, teach, mentor and develop junior colleagues and co-sourced resources in geographically diverse locations.
• Validate management’s corrective action plans to address business-identified issues, audit findings and regulatory remediations.
• Contribute to the development and periodic reviews of analytic control testing and ad hoc analytics, to drive timely risk insights, testing efficiencies and increased audit coverage.
• Develop a strong understanding of American Express' business model, products, services, and organizational units.
• Maintain audit proficiency through ongoing professional development, including data analytics literacy skills, technology, banking best practices and regulatory expectations.

Minimum Qualifications:

• 5+ years of relevant audit experience in the Financial Services/Banking industry. 
• Bachelors degree in accounting, finance, business, or another related field.
• Knowledge and experience in applying control theory and professional auditing practices throughout the audit lifecycle and special reviews.
• Understanding of regulatory, accounting, and financial industry best practices relevant to the credit and fraud risk management, including technology and data implications.
• Strong written and verbal communication skills to deliver audit deliverables with quality, and actionable value-add feedback to management on potential control issues, opportunity areas and deficiency solutions.
• Effectively works independently, within the team and across various teams in a fast-paced environment to drive business results, utilizing sound project management skills, employing creative thinking, and the ability to work on competing priorities.
• Ability to break-down complex problems into components, solve utilizing complex thought, process and risk/control knowledge, and communicate results and control recommendations with transparency and integrity.
• Ability to effectively integrate business, operational, technological, data, and financial components in audit work.

Preferred Qualifications:

• Relevant audit experience in Credit or Fraud Risk 
• Professional certifications (e.g., Certified Public Accountant, (CPA), Certified Internal Auditor (CIA), etc.
• Experience with data analytic tools, data visualization, key risk indicators (KRIs), key performance indicators (KPIs), information systems / technology, and scorecards / dashboards, etc.
• Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization.

Salary Range: $90,000.00 to $165,000.00 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.