Apprentice

A single decision can have many outcomes. And when that decision affects hundreds of thousands of customers and employees, it needs to be the right one. That’s where our Global Risk & Compliance (GRC) team comes in. Our teams in GRC work to improve the efficiency and effectiveness of control and compliance at American Express to successfully identify, monitor and manage risks.

Role Overview:

The Enterprise Risk Management (ERM) and Risk Oversight function within GRC provides independent oversight by monitoring, reviewing, and challenging risk activities across business units in alignment with enterprise standards and regulatory expectations. This role sits within the ERM team and reports into the Chief Risk Officer (CRO) organization of American Express Banking Corp. (AEBC) India. The incumbent will support oversight across a broad spectrum of risks, including Credit Risk, Operational Risk, Fraud Risk, Reputational Risk, and Third-Party Risk.

• Conducting data driven reviews of credit, operational processes, etc. to identify gaps in processes in particular with respect to our internal policies and regulatory guidelines. 
• Performs validation and analysis to determine, monitor and management of risks related to the business products and processes. 
• Support monitoring of risk exposure against the bank’s risk appetite and escalate concerns to governance forums as needed.
• Develop and automate reports/dashboards using Python/SQL to improve monitoring efficiency and transparency
• Contribute to the development, review, and enhancement of AEBC risk policies

Minimum Qualifications:

• Bachelors degree in economics, business, engineering, banking, or a related field.
• Ability to work effectively in a team environment and drive project deliverables to achieve business results
• Strong communication and interpersonal skills
• Ability to learn quickly and work independently with complex, unstructured initiatives
• Strong analytical and problem-solving skills with attention to detail. 
• Ability to work with large datasets and derive meaningful insights
• Understanding of risk management concepts (credit risk, model risk, or operational risk) and any relevant certifications is a plus
• Understanding of Regulatory Compliance /Operational risk management areas.
• Knowledge of MS Office – PowerPoint, Excel 

Preferred Qualifications: 

• Working knowledge of Python and SQL for data analysis and automation

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.

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.