Analyst-Control Management

Job Title: Analyst – Application Controls

Location: Gurugram, Haryana

About American Express

At American Express, we’ve built a culture over 175 years centered around innovation, shared values, and leadership behaviors. As part of Team Amex, you’ll benefit from a powerful network of support—enabling your personal and professional growth, well-being, and leadership development.

Here, your voice matters, your work has an impact, and together, we shape the future of American Express.

Role Overview:

As part of the U.S. Consumer Services (USCS) team, which oversees our suite of consumer products including premium cards, co-brands, lending, banking, dining, and digital services, you will play a vital role in managing Application Controls.

The Control Management – Application Controls team ensures data integrity, regulatory compliance, and operational excellence by designing, implementing, and enhancing risk mitigation controls across USCS processes.

Key Responsibilities:

Lead the design, prioritization, and implementation of Application Controls across multiple USCS business lines (e.g., Prop Cards, Co-Brand, Lending, Banking, Dining, Digital Labs).
Serve as a subject matter expert on application controls that safeguard data reliability and support business process integrity.
Partner with stakeholders to improve input, processing, output, and application change controls, clearly defining roles and expectations.
Collaborate with cross-functional teams to ensure end-to-end coverage of Cardmember transactions from a controls perspective.
Conduct in-depth risk analysis and process reviews to identify control gaps and mitigate operational risks.
Advise business unit process owners and application owners on design and implementation of appropriate controls.
Analyze historical control-related issues and collaborate with Risk Identification & Assessment teams to develop preventive strategies.
Ensure compliance with enterprise policies such as AEMP70 (Enterprise Data Governance) and TECH Standard 06.48, and assist in enhancing BU procedures accordingly.
Support integration of decentralized risks into overarching ORM policies.
Maintain a knowledge base of risk trends, industry updates, and compliance regulations.
Design and deliver training programs on application controls to promote awareness and accountability.
Share key insights, trends, and practices to strengthen operational risk management (ORM) across American Express.

Minimum Qualifications:

1–2 years of experience in operational risk management, internal audit, or related risk functions.
Strong understanding of operational risk management lifecycle activities.
Proficiency in project management, stakeholder communication, and cross-functional collaboration.
Familiarity with process governance, risk policies, and regulatory frameworks.
Strong analytical and problem-solving skills with the ability to interpret data and identify risks.

Preferred Qualifications:

Bachelor’s degree in Finance, Business, Risk Management, or related field; advanced degrees (MBA, MSc) or certifications (e.g., ORM, GRC) are a plus.
Experience in any of the following areas:
- Identifying and evaluating operational risks across systems and business processes.
- Facilitating risk assessments and compliance testing.
- Monitoring and enhancing control effectiveness.
- Conducting independent QA reviews or process audits.
- Preparing thematic risk reports to highlight emerging issues and risk trends.

Benefits at American Express

We support your holistic well-being, enabling you to thrive personally and professionally:

Competitive base salary and bonus incentives
Support for retirement and financial wellness
Medical, dental, vision, life, and disability insurance (based on location)
Flexible work model: hybrid, onsite, or virtual, depending on the role
Generous paid parental leave
Access to on-site wellness centers (location dependent)
Confidential support via the Healthy Minds counseling program
Extensive career development and learning opportunities

Diversity & Inclusion

American Express is an equal opportunity employer. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any legally protected status.