Analyst - Compliance

Job Title: AML Compliance

Location: Gurugram, Haryana

About American Express

At American Express, our culture is rooted in 175 years of innovation and shared values. As part of Team Amex, you’ll experience the power of backing—with comprehensive support for your well-being, and plenty of opportunities to learn new skills, develop as a leader, and grow your career.

Your voice matters. Your work has an impact. Together, we help define the future of American Express.

How You Will Make an Impact

In this role, you will be responsible for managing and mitigating risks related to transaction monitoring and ensuring compliance with regulatory standards. You will conduct due diligence, manage internal and external SLAs, and collaborate with various teams to ensure the integrity of the compliance programs.

Responsibilities

Conduct end-to-end due diligence on Transaction Monitoring alerts, performing in-depth research to assess and mitigate risks.
Provide data, insights, and analysis to support transaction monitoring simulations, enhancing system robustness and identifying gaps.
Develop and continuously refine system rules for Transaction Monitoring to detect and interpret red flags, ensuring proactive risk mitigation.
Manage internal and external SLAs for alerts to ensure 100% compliance.
Leverage investigative tools like Dow Jones, World-Check, and others to identify and address potential risks.
Escalate and resolve risks/issues with urgency, ensuring adherence to compliance timelines and protocols.
Collaborate with oversight teams, business partners, and key stakeholders to implement sustainable solutions.
Conduct Enhanced Due Diligence (EDD) on high-risk customers using risk categorization frameworks.
Maintain expertise in sanctions, Politically Exposed Persons (PEP) screening, and international compliance requirements.
Design and maintain dashboards to provide real-time insights into compliance metrics and emerging risks.
Perform periodic risk assessments to identify threats, develop mitigation strategies, and ensure alignment with regulatory expectations.
Provide comprehensive audit information to internal and external auditors.
Foster a best-in-class compliance culture across the organization for continuous improvement.

Qualifications, Skills, and Experience

A strong academic qualification such as CA, MBA, CAMS, or LLB is preferred.
Prior experience in AML compliance will be considered an added advantage.
6+ years of experience in the AML/KYC compliance domain.
Strong understanding of global anti-money laundering trends and RBI regulations for commercial banks and payment operators.
Self-motivated, dependable, and adaptable with attention to detail.
Ability to work independently and collaboratively within a team environment.
Strong knowledge of laws, regulations, and enterprise policies; capable of interpreting and applying them to local compliance standards.
Excellent communication skills (both verbal and written) with the ability to interact with senior management.
Proficiency in Microsoft Office applications (Word, Excel, PowerPoint) for documentation and reporting.

Employee Benefits

At American Express, we support your holistic well-being with benefits that cater to your physical, financial, and mental health, along with flexibility to help you thrive both personally and professionally:

Competitive base salary and bonus incentives.
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location).
Flexible working models: hybrid, onsite, or virtual based on role and business needs.
Generous paid parental leave and family support programs.
Free access to on-site wellness centers (where applicable).
Free confidential counseling support through our Healthy Minds program.
Career development and training opportunities.

Equal Opportunity Employer

American Express is an equal opportunity employer. We make employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or age.