Lead Analyst

Global Merchant & Network Services (GMNS) brings together American Express' merchant-and network related businesses to enable a sharp focus on using the power of our network to provide unique value to all our mutual customers. The organization manages the relationships with the millions of merchants around the world that accepts American Express and runs the company’s payment network and manages bank partnerships globally.

The objective of the Regulatory Business Self Testing (RBST) team under Financial Crime COE within Global Governance, Risk, Remediation, and Operations (GRRO) is to identify, assess, measure and monitor as well as report and escalate compliance risk within GMS onboarding processes to ensure adherence to regulatory standards, Amex policy and enhance the BU's resilience through managing a clear methodology of inherent and residual risk.

RBST team is looking for an Analyst focused on global KYC testing for evolving KYC refresh and partner-related testing activities and analytical capability within the team. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.

The Analyst, GMS Global KYC Testing will:

- Perform end-to-end Regulatory Business Self-Testing (RBST) across global markets, ensuring testing is executed accurately, consistently and within established timelines.

- Test acquisition and onboarding of merchants for adherence to applicable AML/KYC regulations, Amex policies and market-specific requirements, and document testing results and exceptions.

- Collaborate with other RBST colleagues to understand and consistently interpret regulatory testing requirements, testing methodology and testing priorities.

- Review merchant records, supporting documentation, system information and other relevant evidence; apply sound judgment to determine testing outcomes and develop clear, evidence-based conclusions.

- Identify, document and escalate testing exceptions, potential gaps, recurring issues and systemic themes, and support analysis of root causes and remedial actions.

- Use Excel and other analytical tools, where required, to extract, query, reconcile and analyze data for testing, sample validation and investigation of potential exceptions.

- Maintain high standards of accuracy and productivity, support communication with regional testing and business teams, and participate in standardization and continuous improvement of RBST testing procedures.