Job Description

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. 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.


American Express National Bank (AENB) is American Express' U.S. banking operation serving customer and small business customers with payments, financing and savings products. AENB accounts for more than 60% of the overall company's revenues and net income. AENB HQ drives the administration of programs and services provided by AENB, in partnership with the various businesses, functions, and executive officers. The AENB COO Offices also plays an enterprise role in driving greater consistency, effectiveness, and efficiency across the first line via its Strategic Planning, Control Management, Program Management, and Governance functions.


The Analyst, AENB Affiliate Management will be responsible for delivering affiliate financial reporting, providing financial insights, and strengthening partnerships with Affiliate and Controllership teams. The reporting produced in this role will support Bank Management, Affiliates, and the Bank's Board in managing contractual relationships and driving sound decision-making. This role is critical in ensuring affiliate services remain complaint, well-documented, and aligned with regulatory expectations, including but not limited to Regulation W sections 23A and 23B and the Interagency Guidance on Third-Party Relationships: Risk Management.

Key Responsibilities:

Prepare AENB Affiliate financial reporting, ensuring compliance with affiliate agreements and contracts. Perform month-end close activities, including variance analysis, journal entries, accruals, settlements, and account reconciliations. Support audits, exams, regulatory reviews and compliance testing related to AENB financial reporting. Provide accounting support for special projects tied to strategic initiatives. Execute a risk-based contract management framework to enable effective oversight of affiliate relationships. Conduct due diligence activities based on defined criteria and risk assessments. Monitor adherence to Third-Party Management and Transactions with Affiliates policies. Facilitate ongoing discussions with Bank Management and Affiliates. Prepare and deliver monthly reporting packages for Bank Management and the Bank's Board. Ensure all activities comply with Regulation W-23A & 23B, along with related governance requirements.

Minimum Qualifications:

Bachelor's degree in accounting, finance, or a related field. Strong understanding of U.S. GAAP, accounting principles, and financial reporting. Experience with month-end close processes, journal entries, accruals, settlements, and reconciliations. Strong attention to detail and superior organizational & follow-through skills. Proficiency in Microsoft Office applications Strong written and verbal communication skills with the ability to influence stakeholders at all levels. Ability to systematically analyze complex problems, draw relevant conclusions, implement appropriate solutions, and adapt to change while keeping a continuous improvement mindset. Proven collaboration skills along with the ability to influence without authority. Effectively works independently within a team construct, while supporting teamwork and achievement of team objectives. Familiarity with American Express' organization structure, legal contracts and governance activities.

Preferred Qualifications:

Previous experience with Affiliate Risk Management and Interagency Guidance on Third-Party Relationships & Risk Management is a plus. Previous experience with Oracle/SmartView preferred.


Salary Range: $65,500.00 to $102,500.00 annually + bonus + benefits


The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.


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.


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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.


We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.


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