Lombard Credit Risk Specialist (Wealth Management)

UBS; Madrid; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Competitive base salary

Bonus incentives

Comprehensive medical, dental, vision,

Flexible working (hybrid/onsite/remote

Job summary

American Express Madrid is seeking an Analyst for Risk Governance and Frameworks. The role supports second-line governance, risk management policies, and enterprise risk alignment for Spanish Legal Entities in a hybrid environment.

The ideal candidate has 3–5 years in risk management, strong analytical skills, and experience with regulators across Spain and Europe. Fluency in English and a degree in business/economics/engineering are required; FRM/CFA-valued certifications are a plus.

Qualifications

• 3-5 years of experience in risk management or a similar role.
• Strong analytical skills and business acumen with a risk-reward control perspective.
• Experience interacting with regulators and familiarity with Spain and Europe's regulatory landscape and requirements.
• Fluency in English (verbal and written).
• Degree in business, economics, engineering, or a related field; professional certifications such as FRM, CFA, are valued.
• Attention to detail and written communication skills.
• Experience on administering/supporting ownership of policies is desired.

Responsibilities

• Support the maintenance and ongoing enhancement of the Risk Governance Framework and the associated second-line governance committee structure for AEESA and AEPE.
• Support the International Legal Entities (ILE) Risk Management policies and the local deployment and execution of AXP second Line frameworks.
• Support the Risk Appetite Framework and adherence to ILE Risk Appetite through challenge of Risk Appetite statements, metrics, limits and management action plans.
• Build and maintain relationships with Enterprise teams to ensure that ILE input to Enterprise risk policies and frameworks is sought and reflected.
• Contribute to ensuring that ILE frameworks and policies are embedded and adhered to and that risk is governed in accordance with the ILE Risk Governance Framework.
• Contribute to ensuring the Governance Committees are appropriately structured, staffed and operate in accordance with their Terms of Reference.
• Support effective escalation of risks to Risk Committee, Board and International Risk Management Committee, and monitor escalated risks through to appropriate resolution.
• Support the oversight of remediation of priority issues, operational risk events and regulatory action plans linked to Risk Committee escalations.

Skills

Risk management

Analytical skills

Regulatory experience

English fluency

Education

Business degree

Economics degree

Engineering degree

Job description

Analyst, Risk Governance and Frameworks

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 Analyst, Risk Governance and Frameworks, within the Spain Chief Risk Officer Team, will support the effective operation and ongoing enhancement of the second line of defense governance structure, risk management frameworks and policy architecture for the Spanish Legal Entities (AEESA and AEPE).
The role will work closely with local and international stakeholders to support effective committee governance, risk escalation, risk appetite oversight and the local implementation of Enterprise and International Legal Entity risk management requirements.
**Key Responsibilities:**
+ Support the maintenance and ongoing enhancement of the Risk Governance Framework and the associated second-line governance committee structure for AEESA and AEPE;
+ Support the International Legal Entities (ILE) Risk Management policies and the local deployment and execution of AXP second Line frameworks;
+ Support the Risk Appetite Framework and adherence to ILE Risk Appetite through challenge of Risk Appetite statements, metrics, limits and management action plans;
+ Build and maintain relationships with Enterprise teams to ensure that ILE input to Enterprise risk policies and frameworks is sought and reflected;
+ Contribute to ensuring that ILE frameworks and policies are embedded and adhered to and that risk is governed in accordance with the ILE Risk Governance Framework;
+ Contribute to ensuring the Governance Committees are appropriately structured, staffed and operate in accordance with their Terms of Reference;
+ Support effective escalation of risks to Risk Committee, Board and International Risk Management Committee, and monitor escalated risks through to appropriate resolution;
+ Support the oversight of remediation of priority issues, operational risk events and regulatory action plans linked to Risk Committee escalations.
**Qualifications**
**Minimum Qualifications**
+ 3-5 years of experience in risk management or a similar role;
+ Strong analytical skills and business acumen with a risk-reward control perspective; and the ability to balance commercial objectives with sound risk management.
+ Experience in interacting with regulators and familiarity with Spain and Europe's regulatory landscape and requirements;
+ Demonstrated ability to successfully manage multiple priorities under pressure;
+ Fluency in English (verbal and written);
+ Degree in business, economics, engineering, or a related field; professional certifications such as FRM, CFA, are valued;
+ Attention to detail and written communication skills;
+ Experience on administering/supporting ownership of policies is desired.
**People Skills:**
+ Excellent relationship and influencing skills with the ability to build productive relationships across teams and levels of seniority; including senior leaders and stakeholders;
+ 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 to work with American Express in Spain is required as the company will not pursue visa sponsorship for this position.
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 Schedule Full time
+ Locations Partenon12 Avenida del Partenon, Madrid, Madrid, 28042, ES(Hybrid)
+ Career Area Analytics & Risk Management