American Express’s Financial Crimes Surveillance Unit (FCSU) and the US Investigations Unit (USIU), within Global Financial Crimes Compliance (GFCC), in partnership provide end-to-end support and oversight of global financial crimes investigations. In conjunction with GFCC partners, the FCSU and USIU develop and implement automated transaction monitoring rules, reports, and other processes designed to identify activity potentially indicative of criminal behavior. The FCSU and USIU also investigate potentially suspicious financial activity and, when appropriate, file suspicious activity reports (SARs) with the Financial Crimes Enforcement Network (FinCEN), which is part of the U.S. Department of the Treasury, and/or refers matters to internal compliance partners for review and reporting globally. In addition, the FCSU and USIU manage risk associated with politically exposed persons and persons and entities on core sanctions and risk lists through regular screening, and manage risk associated with improper payments that could be indicative of bribery, corruption, or other illicit activity by reviewing internal American Express payments and expenditures. The FCSU and USIU together perform a critical role in ensuring that American Express complies with all applicable laws and regulations, including the Bank Secrecy Act (BSA), the USA PATRIOT Act, and the Foreign Corrupt Practices Act, and provides law enforcement with key information for the investigation and prosecution of money laundering and terrorist financing, credit card fraud, identity theft, and other criminal activity.
The successful candidate will work in our hub in Gurgaon (India) to mitigate risk to the American Express enterprise through research and analysis of financial activity for suspicious patterns along with the review of records. Candidates must be flexible and willing to change responsibilities to meet business needs, should be comfortable reading and reviewing records from US jurisdictions, and be able to work with various teams across American Express, including US & International Market Compliance Officers, line of business representatives, and project teams, among others.
How will you make an impact in this role?
- Conduct investigations across different FCSU Transaction Monitoring case types
- Demonstrate keen attention to detail in investigation, analysis, and report/narration writing.
- Support ongoing projects by assisting with data analysis, data extraction, and review of records to help teams identify insights, track progress, and maintain accurate documentation.
- Contribute to the preparation of project trackers, status updates, and management reports by organizing information clearly and highlighting key trends or exceptions.
- Collaborate with internal stakeholders and project teams to gather inputs, follow up on action items, and help ensure deliverables are completed within agreed timelines.
- Demonstrate strong attention to detail and analytical thinking while handling project documentation, reporting requirements, and other assigned tasks.
- Adapt to changing business priorities and provide reliable support on project-related ad-hoc tasks to help the team operate efficiently and effectively.
- Build knowledge of the business, processes, and project objectives to contribute meaningfully to day-to-day execution and continuous improvement efforts.
- Responsiveness in following up on action items, coordinating with stakeholders, and supporting project execution.
- Ability to manage assigned responsibilities and ad-hoc tasks with consistency, attention to detail, and minimal supervision.
- Demonstrated learning agility, process understanding, and ability to apply feedback to improve quality and efficiency over time.
- Positive contribution to team effectiveness through dependable support, organization, and solution-oriented execution.
- Applicant should have a Bachelor's degree.
- Not more than 5 years of difference between highest education degree (Graduation) completion date and Joining date.
- Should not have enrolled in any prior Government Apprenticeship programs.
- Strong attention to detail, accuracy, and ability to work with data sets, records, and project documentation.
- Good communication and interpersonal skills, with the ability to coordinate with multiple stakeholders for project updates and follow-ups.
- A willingness to learn and adapt to new tasks, challenges, and changing project requirements.
- Excellent verbal and written communication skills.
- Strong academic background; exposure to compliance, legal, audit, analytics, or related disciplines would be an added advantage.
- Basic capability in data analysis and data extraction to support project reporting, tracking, and review activities.
- Ability to synthesize information, identify trends, and support preparation of status updates, trackers, and management reports.
- Proactive and detail-oriented, with the ability to support ongoing projects and handle project-related ad-hoc tasks as assigned.
- High degree of organization, individual initiative, accountability, and solution-oriented thinking.
- Incumbent should be flexible to work in rotational shift environment. Shift window is 24*7 with rotational week offs.
- Proficiency in basic computer applications (e.g., Microsoft Office Suite).
- Ability to work effectively in a team environment & converse fluently with internal & external stakeholders.
- Ability to adapt to a changing environment.
- Positive attitude and desire to be a true team player.
- High standard of written communication.
- Resilience and a desire to thrive under pressure.
- Strong ability to manage multiple workloads in a regulatory driven environment.
- Certification in Compliance, AML or Financial Crime related fields.
- Experience working in KYC, Transaction monitoring, Sanctions or EDD departments.
Preferred Qualifications
- Proficiency in basic computer applications (e.g., Microsoft Office Suite).
- Ability to work effectively in a team environment & converse fluently with internal & external stakeholders.
- Ability to adapt to a changing environment.
- Positive attitude and desire to be a true team player.
- High standard of written communication.
- Resilience and a desire to thrive under pressure.
- Strong ability to manage multiple workloads in a regulatory driven environment.
- Certification in Compliance, AML or Financial Crime related fields.
- Experience working in KYC, Transaction monitoring, Sanctions or EDD departments.
Compliance Language
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:
- Cab facility
- Free meals
- Flexible working model with hybrid arrangement
- Training and development opportunities
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
Offer of contractual employment as an Apprentice with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.