Job Description

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviours, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this 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.

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.

Responsibilities

The Senior Analyst, Due Diligence Operations based in Gurugram will be responsible for performing quality reviews of due diligence cases to ensure completeness, accuracy, and adherence to established policies, procedures, and regulatory requirements. The principal responsibilities of this position include:

Conducting quality control reviews of completed due diligence cases to ensure accuracy, completeness, and adherence to established policies and procedures.
Performing in-line corrections and identifying documentation, process, or control gaps to ensure high-quality and audit-ready case files.
Developing feedback, reporting, and quality insights to strengthen controls, improve consistency, and support continuous process improvement across Due Diligence Operations.
Partnering with the DDO Frameworks and Tooling team to strengthen controls and drive process improvements through the use of automation and GenAI.
Developing data-driven feedback loops from sample testing to enhance operational processes and ensure compliance with regulatory standards.
Reviewing due diligence documentation, screening results, risk assessments, and supporting evidence to validate the accuracy and appropriateness of case outcomes.
Partnering with Due Diligence Operations, Compliance, and Risk stakeholders to resolve quality findings and support timely case closure.
Ensuring quality control activities are completed within established service level agreements while maintaining adherence to regulatory requirements and enterprise standard

Qualifications

Minimum Qualifications:

Understanding of AML/KYC principles, due diligence processes, sanctions screening, and financial crime risk management concepts.
Strong analytical and problem-solving skills with the ability to identify gaps, assess risks, and evaluate case quality.
Strong attention to detail and ability to review documentation with a high degree of accuracy.
Ability to effectively document observations, provide constructive feedback, and support process improvements.
Strong organizational, communication, and interpersonal skills.
Ability to work independently and manage multiple priorities in a fast-paced environment.
Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint.

Preferred Qualifications

University Degree or equivalent.
Working knowledge of SQL/Python/Big Data/Lumi for querying, validating, and analyzing operational and quality data to identify trends, exceptions, and improvement opportunities.
Experience with Power BI (or similar business intelligence and visualization tools) to develop dashboards, monitor quality metrics, and generate actionable insights for stakeholders.
Familiarity with data analysis and reporting tools, including advanced Microsoft Excel (Pivot Tables, Power Query, Lookup functions) and SharePoint, to support quality reporting, governance, and continuous process improvement.
Exposure to automation and workflow tools (e.g., Power Automate, Alteryx, Tableau, or similar platforms) is an added advantage.
Use of Generative AI (GenAI) tools and applications (prompt engineering and experience building custom GPTs), with the ability to leverage AI-assisted solutions to enhance productivity, improve reporting, streamline quality processes, and drive operational efficiencies while adhering to enterprise governance and data security standards.

About Us

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.

About The Team

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
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

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 employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

Senior Analyst-Risk Management