American Express's Global Financial Crimes Surveillance Unit (GFCSU) is part of the broader Global Risk & Compliance organization, operating within Global Financial Crimes Compliance (GFCC), and provides end-to-end oversight and support of global financial crimes investigations.
The GFCSU Quality Control Review (QCR) Team performs ongoing monitoring of Financial Crimes investigations to support adherence to applicable legal and regulatory standards, internal procedures, and established quality requirements.
The QCR B30 Analyst is an individual contributor responsible for independently reviewing completed investigative casework and decisions, applying sound risk-based judgment, identifying quality gaps and errors, challenging investigative conclusions when appropriate, and supporting consistent application of investigative and quality standards.
Job Responsibilities
- Conduct independent Quality Control Reviews of Financial Crimes Compliance processes, including Anti-Money Laundering (AML), Enhanced Due Diligence (EDD), and Screening cases managed by GFCC Investigative teams, evaluating completed casework and investigative decisions for adherence to applicable procedures, quality standards, and regulatory requirements.
- Exercise independent judgment and decision-making when evaluating investigative casework, including assessing the reasonableness and defensibility of investigative conclusions and decisions; identifying documentation gaps, inconsistencies, or flaws in investigative judgment; determining whether identified issues represent material or non-material errors under established standards; and clearly supporting determinations through applicable procedures, documented evidence, and risk-based rationale.
- Apply knowledge of AML/BSA requirements, financial-crime typologies, red flags, investigative methodologies, and escalation criteria to identify circumstances where additional research, investigation, remediation, or escalation may be warranted.
- Communicate and substantiate QCR findings to investigators, leaders, and other stakeholders, translating procedural expectations and risk considerations into clear and actionable feedback; constructively navigating professional disagreement and challenge; and ensuring appropriate remediation of identified errors prior to case closure.
- Participate in quality calibration and thematic/root-cause analysis to promote consistent application of QCR standards, error classification, investigative expectations, and procedural requirements across investigators and portfolios, including objectively considering additional information or differing perspectives and adjusting conclusions when calibration or evidence warrants.
- Identify recurring quality themes, emerging quality or investigative risks, or opportunities to strengthen case quality and investigative consistency, and appropriately escalate observations that may require additional review, clarification, or process improvement.
- Support Financial Crimes investigations and other case-review activities based on business needs, applying the same standards of analytical rigor, procedural adherence, and regulatory awareness expected of the role.
Minimum Qualifications
- 4+ years of combined relevant experience in Financial Crimes and/or Risk Operations, including areas such as Anti-Money Laundering (AML)/Bank Secrecy Act (BSA), Know Your Customer (KYC), Enhanced Due Diligence (EDD), Sanctions Screening, Anti-Corruption, Operational Risk, Credit Bust-Out (CBO), Fraud Prevention, Credit, Collections, or other directly relevant Financial Crimes or Risk Operations disciplines.
- Proven analytical and critical-thinking skills, with demonstrated ability to research, assess, interpret, and synthesize information from multiple sources; apply sound judgment; and reach logical, well-supported conclusions on matters with potential regulatory or financial-crime risk impact.
- Proven experience independently making and defending complex risk-based decisions with limited direction, including interpreting procedures and standards where facts require judgment rather than straightforward application of prescribed criteria.
- Strong stakeholder communication and influencing skills, including the ability to influence without direct authority, clearly articulate and substantiate findings and conclusions, objectively evaluate differing perspectives or challenges, and resolve questions through evidence-based discussion.
- Strong written and verbal communication skills, with demonstrated ability to clearly articulate findings, rationale, recommendations, and conclusions to investigators, leaders, and relevant stakeholders.
- Excellent time-management and organizational skills, with demonstrated ability to independently manage workload, balance competing priorities, and meet quality and productivity expectations in a deadline-driven environment.
- Strong attention to detail, with demonstrated ability to identify inconsistencies, documentation gaps, errors, and other quality concerns within investigative casework.
Preferred Qualifications
- Prior experience independently assessing alerts, cases, investigations, or other risk decisions; challenging investigative conclusions when appropriate; identifying quality gaps or errors; and delivering effective, constructive feedback to support case quality and consistent application of investigative standards. Relevant experience may include Quality Control (QC), Quality Assurance (QA), Business Self-Testing (BST), peer review, or other case-quality/review functions.
- Relevant Financial Crimes, fraud, compliance, or risk industry certification, such as Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE), or equivalent.
- Bachelor's degree preferred, consistent with the knowledge, skills, and responsibilities of the role.
- Knowledge of American Express products, systems, investigative processes, and applicable Financial Crimes regulatory framework.
Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.
