Credit Risk Technician — Back?Office & Compliance

Bmw Group; Madrid; Híbrido; EUR 70.000 - 95.000; Jornada completa

Descripción de la vacante

American Express' International Regulatory Compliance team in Spain seeks a Senior Analyst- Regulatory Compliance to advise on new laws, participate in risk assessments, support product initiatives, and review communications and policies. The role requires 4-6 years in compliance for financial or payments sectors, a law degree, and strong English.

Based in Madrid with a hybrid work model, you will collaborate with business, stakeholders, and partners across Europe to ensure regulatory alignment

Formación

• University degree (preferably in Law).
• At least 4-6 years of Compliance regulatory experience related to financial institutions or payments industry.
• High level of English is a must, both verbal and written.
• Must be familiar with payment services regulation in Spain and Europe.
• Ability to build positive relationships with business, stakeholders and partners.
• Excellent and solid communication (verbal and written) and influencing skills.
• Ability to adapt and handle several tasks at the same time and to work as a team.
• Analytical skills and strong business understanding.
• Initiative and ability to assume responsibilities.

Responsabilidades

• Advisory role in the implementation of new laws and regulations in the Regulatory Change Management process.
• Participation in the Compliance Risk Assessment process and the effective challenge.
• Support business initiatives, including new products assessments.
• Communications and customer‑facing materials review from a transparency perspective and in line with internal policies.
• Support in the periodic reviews of Compliance policies and procedures.

Conocimientos

Regulatory compliance

Financial regulations

English proficiency

Stakeholder management

Analytical thinking

Educación

University degree (preferably in Law)

Descripción del empleo

Senior Analyst- Regulatory Compliance – Madrid, Spain (Hybrid)

Job Description
The Global Risk & Compliance (GRC) organization serves as American Express' independent risk management function. GRC maintains the enterprise risk framework, provides oversight and challenge, and monitors key risks. By embedding risk discipline into strategy and operations, GRC enables responsible growth, innovation, and long‑term value creation while protecting customers and shareholders.
The International Regulatory Compliance team in Spain performs a critical role in ensuring that the European Legal Entities comply with all applicable laws and regulations. This team will give the candidate the opportunity to work on meaningful projects, whilst developing world‑class leadership skills.

• Advisory role in the implementation of new laws and regulations in the Regulatory Change Management process.
• Participation in the Compliance Risk Assessment process and the effective challenge.
• Support business initiatives, including new products assessments.
• Communications and customer‑facing materials review from a transparency perspective and in line with internal policies.
• Support in the periodic reviews of Compliance policies and procedures.

• University degree (preferably in Law).
• At least 4-6 years of Compliance regulatory experience related to financial institutions or payments industry.
• High level of English is a must, both verbal and written.
• Must be familiar with payment services regulation in Spain and Europe.
• Ability to build positive relationships with business, stakeholders and partners.
• Excellent and solid communication (verbal and written) and influencing skills.
• Ability to adapt and handle several tasks at the same time and to work as a team.
• Analytical skills and strong business understanding.
• Initiative and ability to assume responsibilities.

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

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: