Manager-Compliance; Know Your Customer

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How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

American Express National Bank (AENB or the Bank) is a national bank based in Salt Lake City, Utah. The Bank is approximately $117B in assets and is regulated by the Office of the Comptroller of the Currency (OCC). The Bank offers consumer and small business card and non-card lending and deposit products.

American Express’s Global Financial Crimes Surveillance Unit (GFCSU) and the US Investigations Unit (USIU), within Global Financial Crimes Compliance (GFCC), provide end-to-end support and oversight of global financial crimes investigations. In conjunction with GFCC partners, the GFCSU and USIU develop and implement automated transaction monitoring rules, reports, and other processes designed to identify activity potentially indicative of criminal behavior. The GFCSU and USIU together perform a critical role in ensuring that American Express complies with all applicable laws and regulations, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, and the Foreign Corrupt Practices Act, and provides law enforcement with key information for the investigation and prosecution of money laundering and terrorist financing, credit card fraud, identity theft, and other criminal activity.

To support the enterprise-wide Anti-Money Laundering Program and related processes (e.g. customer risk rating obligations, transaction monitoring, AML investigations, Enhanced Due Diligence (EDD) reviews) it is necessary, on occasion, to contact customers for additional information. Customers may be contacted for deposit/payment sources, spend/withdrawal behavior, identification, or demographic information, including income/revenue sources, etc. This customer due diligence (CDD) information is required to understand high-risk customer relationships, properly assess AML risk, assign customer risk ratings, fulfill investigative & review processes for the ultimate purpose of determining whether or not transactions are suspicious and subject to regulatory reporting.

Responsibilities

• The KYC Manager will report to a director in FIU Investigations and manage the collection of risk-based due diligence obligations for high-risk customers and transactions. Management responsibilities include:
• Oversee the process of timely collection of risk-based due diligence information for high-risk bank customers and transactions. Includes ensuring internal systems contain accurate and current KYC data for applicable high-risk customers consistent with bank requirements. Involves escalation and/or termination of customer accounts or relationships who fail to respond.
• Support customer onboarding KYC requirements. Based on customer risk attributes (i.e., industry type) incremental (risk-based) due diligence may be required consistent with BSA regulations and Federal Financial Institutions Examination Council (FFIEC) expectations.
• The KYC Manager is responsible for overseeing the team responsible for contacting bank customers to obtain incremental due diligence information as necessary. Applicable customer-level due diligence information may include industry/occupation details, applicable business licenses, corporate documents, beneficial ownership info, etc. and/or account-level due diligence such as source of funds, purpose/use of account, expected transactions, etc.
• Work closely with the other GFCC, FIU, line of business compliance and technology leaders to manage change, including building processes, identify potential improvements in processes, and implement solutions
• Serve as a subject matter expert and point of contact for FIU and Bank colleagues on customer risk attributes, CDD requirements and FFIEC expectations. The KYC Manager must be proactive at maintaining up-to-date knowledge of the issues affecting CDD and be prepared to assist with audit and regulatory examination requests.
• Support AML investigation processes which may include contacting the customer to resolve AML investigative queries related to BCA industry, certain transactions, counterparties, etc.
• Support ongoing enhanced due diligence (EDD) reviews, which includes contacting customers to obtain any/all necessary customer or account information to mitigate risks identified as part of the periodic EDD review process.
• Lead key projects to drive process and system enhancements.
• Ensure procedures are maintained and current to support process requirements.
• Other support as needed.

Qualifications

• Equivalent work experience or degree
• 3 years of work experience in a financial services institution in any of the following areas is highly preferred: Anti-Money Laundering/Bank-Secrecy Act, Suspicious Activity Reporting, financial crime, KYC, enhanced due diligence, project management, and/or sanctions risk management.
• Manage multiple tasks simultaneously; be an enthusiastic self-starter; and deadline-driven team player
• Demonstrate strategic thinking, implement innovation and change, and ability to introduce and champion new processes
• Leadership skills with experience supporting performance by coaching and motivating people for success, identifying their strengths and opportunities
• High level of professionalism and sense of urgency; handle sensitive information in a confidential and professional manner
• Effective communication and excellent writing skills
• Experience with Microsoft Office, including Word, Excel, and PowerPoint
• Keen attention to detail in analysis and documentation
• Professional certification (e.g., Association of Certified Anti-Money Laundering Specialists (CAMS), Certified Fraud Examiner (CFE) preferred

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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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.

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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