Senior Analyst, Product Operations & Regulatory Compliance (FDIC 370)

The Consumer Banking Services Organization was created to meet ongoing American Express Members’ financial services needs beyond the Card and build upon a broader Membership promise. This team is driving AXP's innovation for banking services, identifying Member needs, and supporting the operational excellence of our digital banking products.

The Senior Analyst, Product Operations & Regulatory Compliance is responsible for supporting the ongoing governance, compliance, operational readiness, and regulatory reporting obligations associated with American Express National Bank (AENB) deposit products. This role serves as a key liaison across Product, Compliance, Technology, and Servicing teams to ensure regulatory requirements are implemented, monitored, and maintained through effective controls, reporting, issue management, and process governance.

The successful candidate will lead ongoing regulatory assessment activities, support data remediation initiatives, maintain operational procedures, and execute compliance-related programs including ongoing FDIC 370 compliance.

• Lead FDIC 370 self-assessment activities and governance meetings with Deposit Banking Platform, 3rd party technology platform provider FIS, and other stakeholders.
• Coordinate Quarterly documentation and maintenance of assessment evidence, testing results, and supporting artifacts.
• Execute all business testing activities in accordance with established platform playbooks.
• Track, monitor, and escalate regulatory risks, issues, dependencies, and action items through maintenance of RAID logs.
• Produce recurring governance and status reporting for AENB leadership and regulatory oversight forums.
• Support ongoing data quality reviews and remediation efforts.
• Investigate and resolve data quality alerts focused on resolving customer linkage issues, FDIC insurance ownership rights issues, beneficiary-related exceptions, etc.
• Maintain and update operating procedures and process documentation.

Minimum Qualifications

• Bachelor's degree or equivalent experience.
• 2+ years of experience in banking operations, regulatory compliance, product operations, risk management, or related financial services roles.
• Experience supporting deposit products and banking regulatory requirements.
• Strong analytical and problem-solving skills with the ability to interpret complex data and identify trends.
• Experience managing multiple workstreams, priorities, and stakeholder groups simultaneously.
• Strong written and verbal communication skills, including documentation and executive reporting.
• Proficiency in Microsoft Excel, PowerPoint, and data analysis tools.
• Ability to work independently in a fast-paced and evolving environment.

Preferred Qualifications

• Experience supporting FDIC 370 compliance programs and regulatory reporting requirements.
  
  Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for this position.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.