Cto (Chief Technology Officer)

Mk Development Consulting; Madrid; Híbrido; EUR 120.000 - 180.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive compensation

Descripción de la vacante

American Express seeks a Senior Manager, Financial Risk Management for Spain CRO to lead the second line of defense and strengthen governance across AESEA & AEPE markets. The role operates in Madrid with a hybrid model, reporting to the GRC function and collaborating with LE/regulators to ensure risk controls and compliant frameworks.

The candidate will drive RAF alignment, challenge LE strategies, and oversee risk data, policies, and metrics while coordinating with Enterprise teams and senior

Formación

• 5+ years of leadership experience in risk management or a similar role.
• Experience interacting with regulators and familiarity with Spanish and European regulatory landscape.
• Fluency in English (verbal and written).
• Advanced degree in business, economics, engineering, or related field preferred.

Responsabilidades

• Participate in RAF refresh and align LE metrics with Enterprise.
• Provide Financial Risk credible challenge to LE projects and forums.
• Understand Financial Risk profile of LE from data and reporting.
• Be main point of contact for Financial Risk for LE regulator, Audit and LE leadership.
• Lead LE Financial Risk policies and frameworks; communicate risks between LE and Enterprise.
• Coordinate with Enterprise on 2nd Line testing and remediation oversight.
• Develop LE metrics dashboards aligned with regulations.
• Review and challenge models impacting the ILE.
• Lead a Financial Risk analyst.

Conocimientos

Leadership

Risk management

Regulatory knowledge

English fluency

Strategic thinking

Regulatory landscape

Educación

Advanced degree in business/economics/engineering

Descripción del empleo

Senior Manager, Spain Chief Risk Officer - Financial Risk Management

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 Spain CRO function is part of the Int'l CRO team, within Global Risk and Compliance (GRC). It is responsible for identifying and overseeing risk across all processes.

How will you make an impact in this role?

The Senior Manager, Financial Risk Management AEESA & AEPE, within the GRC organization, is responsible for establishing the second line of defense framework for the areas under its responsibility for the AEESA & AEPE Legal Entities markets. We are seeking an experienced risk leader to be a part of this exciting journey. The incumbent will identify, assess, measure, manage and report risk and strengthen the governance structure for our Spanish businesses (AEESA & AEPE Legal Entities).

Key Responsibilities:

• Participate in Risk Appetite Framework (RAF) refresh process and seek to align International Legal Entities (ILE) Financial Risk metrics with Enterprise (as far as possible)
• Provide Financial Risk credible challenge to Legal Entity (LE) projects, strategies and in the Change Advisory Forums.
• Understand and speak to the Financial Risk profile of the LE based on aggregation of data and reporting
• Act as main point of contact for Financial Risk for LE regulator, Audit and ILE Leadership, and requests for Financial Risk program/results requests
• LE specific committee Financial Risk representative, and point of contact for Financial Risk at LE board meetings (as required)
• Own ILE R Financial Risk policies and frameworks, where required
• Influence Enterprise Financial Risk and Framework/Policies/Programs to ensure fit for purpose for ILE, and support ILE deployment of Enterprise Financial Risk programs
• Advise business on applicability and effective execution of Financial Risk frameworks
• Coordinate with enterprise Risk Lead on 2nd Line testing, and/or support ILE Financial Risk testing & provide output of ILE testing to Enterprise for awareness and risk aggregation
• Ensure appropriate communication of risks between ILE and Enterprise
• Support the ILE Chief Risk Officer (CRO) in their oversight duties aligned to the Risk Governance Framework and applicable polices
• Reviewing Issues and findings related to risk type impacting ILE, and overseeing effective remediation
• 2nd Line of Defense ILE oversight lead for Regulatory Change Managements relating to Risk Type
• Work with Enterprise team to develop LE metrics dashboard, including RAF metrics, aligned with applicable regs
• Review, approve and challenge applicable models impacting the ILE
• Lead a Financial Risk analyst

Minimum Qualifications:

• 5+ years of leadership experience in risk management or a similar role;
• Strong business acumen with a risk-reward control perspective;
• Experience in interacting with regulators and familiarity with Spanish and Europe regulatory landscape and requirements;
• Demonstrated ability to successfully manage multiple priorities under pressure;
• Fluency in English (verbal and written);
• Advanced degree in business, economics, engineering, or a related field is preferred.

Leadership Skills:

• Proven leader who can build, inspire, and coach a team with a passion for the business;
• Excellent relationship and influence management skills with the ability to build productive relationships across teams and levels of seniority;
• Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged;
• Proactive in identifying issues, delivering and escalating key findings, and advising on recommended solutions to correct issues or mitigate risks;
• Ability to communicate oversight findings to colleagues, business partners, and senior leaders;
• Strong verbal and written communication skills.

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

Company culture: 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
• 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

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

Job Info

• Job Identification
• Job Category Risk
• Posting Date 09/21/2026, 03:20 PM
• Apply Before 09/30/2026, 05:00 AM
• Job Schedule Full time
• Locations Partenon12 Avenida del Partenon, Madrid, Madrid, 28042, ES(Hybrid)
• Career Area Operational Risk Management and Control Management