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This newly created Madrid based position will manage the KYC/AML processes in the Business Enablement activities across GMNS continental Europe operations (the "Business"), within the legal entity American Express Payments Europe, S.L ("AEPE" or "Legal Entity").
The role will report directly to the Director of Business Enablement and Legal Entity Governance and will be responsible for owning and driving KYC and AML initiatives within the Business (first line).
It is essential that candidate has an excellent understanding of European and Spanish AML regulations plus a good working knowledge of Payment Services regulations and EU regulatory bodies and the Business.
As a key member of the Business Enablement team, the candidate will manage a variety of compliance AML related matters, supporting and overseeing implementation of Enterprise and business policies and procedures to achieve compliance with legal obligations in KYC and Company policy.
Responsibilities
This role will act in a strong collaboration with the General Counsel Office, Compliance, MLRO Team, Regulatory Reporting, and GMS Control Management teams at local and regional level whilst defining host territories AML regulatory requirements.
This role will own the initiatives carried out by the first line of business in AML and KYC related projects. From onboarding to refresh as well as any enhancements that are required in line with regulatory changes.
The position will also coordinate with other members of the GMS team (the business) to address the KYC needs of the business from a holistic perspective and with a best in class client experience mindset.
This position will be a supporting AML-related internal or external audits as well as regulatory inspections, defining and supporting implementation of corrective action plans, providing guidance to the business, and performing AML compliance-related training programs.
This position will have responsibility to work closely with the Legal Entities governance structure and represent the business interests in the local branches AML Committees following up on escalation of AML related matters.
Skills required
University Degree (preferable in law). Extensive knowledge of payment services and AML/CTF regulations.
A minimum of 7+ years of compliance related work experience in an EU bank and/or non-bank financial services industry.
Experience in payments industry regulation laws.
Proven experience in designing and implementing regulatory compliance programs including analysis of regulation, risk assessment, design of policies & procedures and monitoring programs.
Strong analytical skills and an innovative approach to solving problems.
Proactive attitude with a business approach when addressing problem-solving situations.
Knowledge of company operating processes within a multinational company such as Amex is a plus.
Ability to communicate and interact effectively with all levels in the organization as well as with external parties.
Ability to build strong working relationships; operate in large cross-functional teams and influence colleagues to drive change.
Fluency in English and Spanish, both verbal and written is a must. Additional language skills are a plus.
We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
Competitive base salaries.
Bonus incentives.
Support for financial-well-being and retirement.
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location).
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need.
Generous paid parental leave policies (depending on your location).
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location).
Free and confidential counseling support through our Healthy Minds program.
Career development and training opportunities.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
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