Compliance Analyst

EMEA Regulatory Compliance Financial Crimes Analyst (Regulatory assessment) – EMEA Regional Financial Crimes Compliance Organization

The Global Risk & Compliance (GRC) organization serves as American Express’ independent risk management function. GRC maintains the enterprise risk framework, provides oversight and challenge, and monitors key risks. By embedding risk discipline into strategy and operations, GRC enables responsible growth, innovation, and long-term value creation while protecting customers and shareholders.

We are looking for a motivated Compliance Analyst with experience in the management and oversight of AML/CFT Regulatory Projects and AML Regulatory analysis who will be part of the EMEA Regulatory Compliance Team within the EMEA Regional Financial Crimes Compliance Organization.

In this role, you will have the opportunity to contribute to workstreams engaging various compliance teams in the EMEA markets and international markets, gaining regular exposure to senior stakeholders across the organization. 

This role will report to the EMEA Regional Financial Crimes Regulatory Compliance Manager  and will be primarily focused on assessing the EU-level AML/CFT regulatory landscape and on related regulatory compliance design of AML solutions in the EMEA region.

As Compliance Analyst, you will support GFCC leaders in the main aspects related to the assessment of AML requirements at regional and local level as well as in the impact analysis of EU AML Package, EU Single Rulebook, Implementing acts and Guidelines, contributing regulatory expertise to ensure consistency on AML/CFT Compliance across EMEA. 

Minimum Qualifications:

• Financial/Payments services related experience for +4 years.

• Knowledge of the Regional AML/CFT Framework, including the EU AML Package, EU Single Rulebook, Implementing acts and Guidelines.

• Experience in payments industry regulatory project management is desirable and familiarity with one or more of the following areas would be helpful: payment services and payment schemes.

• Knowledge of regulatory AML/CFT risks in the EMEA markets.

• Strong consultation, communication, facilitation, and presentations skills.

• Ability to communicate in a timely and transparent manner, keeping everyone involved informed of progresses and issues.

• Strong analytical skills and an innovative approach to solving both practical and theoretical problems.

• Intellectual curiosity, adaptability in a dynamic environment, and ability to reinvent processes and infrastructure.

• Ability to build strong working relationships, operate in large cross-functional teams, and influence colleagues to drive change.

• Ability to communicate and interact effectively with all levels in the organization as well as with external partners.

• Fluency in English; additional language skills will be considered as a bonus.

 Preferred Qualifications:

• Professional certifications such as CAMS, ICA, or equivalent.

• Familiarity with regulatory technology (RegTech) tools.

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

Main Areas of Focus:

• Regulatory Assessment: perform proactive mapping (horizon scanning) and preliminary assessment of Regional AML/CFT requirements, focusing on the EU AML Package.

• Support the Regulatory Compliance Manager  on the identification and assessment of applicable AML/CFT requirements arising from EU-led regulatory initiatives.

• Requirements mapping and consolidation: analysis and consolidation of the AML/CFT requirements foreseen on the AML Package (and implementing acts such as RTSs, ITS, etc.) in proper deliverables facilitating the understanding and the identification of the mandates with a common approach at regional level. Collaboration on impact assessment in close partnership with GCO colleagues.

• Collaborate on the functional design of the solutions to be implemented as well as facilitate the final Market AML/CFT teams validation of the identified solutions.

• Contribute on the creation of a standard approach to ensure consistency across EMEA on AML/CFT program management, in line with enterprise baselines and initiatives.

• Interact with relevant stakeholders to optimize the AML/CFT related processes and performing oversight on the progresses on the implementation of the already identified enhancement needed.

• Ensure a proper tracking of the Market AML Teams feedbacks and inputs, facilitating also the harmonization across the countries involved in various projects and initiatives.

• Prepare and maintain dashboards to keep track of progress made on any regulatory impact assessment. Draft materials for AML Committees and other Forums as required.