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About the Internal Audit Group at American Express

American Express' Internal Audit Group (IAG) has reinvented our audit process and is leading the financial services industry with our Audit NextGen, Data-Driven Continuous Auditing, and Auditor of the Future initiatives. Each uniquely support our Winning Aspiration to be a world class internal audit function that:

• Provides data-driven and technology-enabled assurance
• Delivers timely risk insights that are business-aware and forward-looking
• Supports our colleagues with experiences that prepare them to be enterprise leaders

Collectively, IAG's strategic initiatives, combined with our greatest asset - our people - enable IAG to utilize advanced data analysis capabilities, provide greater and continuous assurance, and help ensure quality products and services are provided to American Express customers. IAG's innovative Data-Driven Continuous Auditing approach has led to patent-pending technology assets over our uniquely developed audit methodology and technology enablers. We are looking for those who share our mission and aspirations and are passionate about the use of data and technology in a collaborative, people-focused environment. 

Our Internal Audit Group is a worldwide function with 400+ team members and offices across nine countries within American Express. Our mission is to protect and enhance organizational value by providing independent, objective, risk-based assurance, advisory services and to influence the way the company manages risk.

We are committed to growing our audit staff significantly as we continue to expand and enhance the Internal Audit Group. Our assurance and risk professionals have diverse backgrounds including internal controls, consumer compliance, technology, operational risk, financial accounting, data analytics, and banking operations. Our audit teams align to key risk areas and business units to ensure IAG can provide comprehensive and risk-based audit coverage. In addition, IAG has a Professional Practices group responsible for managing audit operations, quality, and standards; regulatory relations; reporting; training and professional development; and key internal capabilities and technologies.

This role is based in New York and will support the Head of Treasury, Market Risk and Corporate Planning audit. 

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

Minimum Qualifications

• Bachelor's degree in accounting, economics, or finance. 
• 7+ years of relevant work experience leading a team of internal audit professionals covering treasury risk portfolios (across capital / liquidity / IRRBB) OR significant experience leading teams in a 1st or 2nd LoD-aligned Treasury control management function covering Liquidity / IRRBB risks at a major financial institution in the U.S. (i.e., Category I, II or III banking institution under the Tailoring Rules). 
• Deep knowledge of US liquidity risk regulatory requirements including the Enhanced Prudential Standards (Regulation YY), Reg WW (Liquidity Risk Management Standards), FR 2052a Reporting Instructions, and Recovery and Resolution Planning [165(d)].
• Significant experience with FP&A / Corporate Planning functions, including strategic planning, analysis, board oversight, allocating balance sheet and enterprise-wide resources, setting hurdle rates and return targets. 
• Experience validating internal controls and deep understanding of risk assessment concepts to assess and challenge the existing controls framework supporting the management of risks.
• Strong people skills, with proven ability to lead team members in a way that encourages collaboration and delivers results, and an ability to coach and mentor junior colleagues and co-sourced resources effectively.
• Proven ability to work independently, within a team and across teams in a challenging environment to drive business results, and the ability to manage competing priorities and employ creative thinking to lead and manage multiple projects.
• Strong written and verbal communication skills that deliver quality, actionable and impactful feedback to management on potential control issues and solutions to close gaps. 

Preferred Qualifications

• CFA, CPA, CIA, CRMA, FRM certifications.
• Experience working with U.S. regulatory examiners and understanding of regulatory expectations.
• Strong background in liquidity risk management and IRRBB, including ILST, modeling (e.g., EVE/EVS), risk measurement, balance sheet management, and related regulatory reporting (e.g., LCR, FR 2052a).
• Proficiency in data analytics, visualization, and technology tools, with the ability to translate complex data into actionable risk insights and recommendations.
• Background in information systems, data analytics, or technology, with strong problem-solving skills and understanding of risk and control frameworks.

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

How will you make an impact in this role?

• Define and execute the Internal Audit coverage strategy for Liquidity Risk Management (LRM), Interest Rate Risk in the Banking Book (IRRBB), and Corporate Planning & Analysis (CP&A), including relevant Second Line functions.
• Develop and deliver an integrated, risk-based annual audit plan across First and Second Lines, coordinating with broader Internal Audit teams, incorporating current regulatory expectations and industry developments.
• Oversee global audits across LRM, IRRBB, and CP&A, covering all stages of audit execution, and provide effective challenge to stakeholders to assess governance, risk management, and control effectiveness, while identifying improvement opportunities across key processes (Internal Liquidity Stress Test (ILST), Contingency Funding Plan (CFP), IRRBB measurement and modeling, short- and long-term planning, etc.).
• Validate remediation of audit and regulatory findings to ensure issues are sustainably addressed.
• Build strong stakeholder relationships across senior leadership (including regulatory bodies), and maintain a deep understanding of the business model, key risks, control environment and changes in the evolving regulatory landscape.
• Lead, develop, and manage a global audit team, ensuring high-quality execution, adherence to standards, and ongoing capability building through effective coaching, mentoring and development of junior colleagues, in geographically diverse locations.
• Drive innovation in audit through the adoption of data analytics and GenAI to enhance audit quality, efficiency, and insights in support of the department's NextGen initiative.