Analyst, UK Chief Risk Officer, Risk Reporting

American Express; Greater London; Hybrid; GBP 65,000 - 90,000; Full time

Job summary

American Express in the UK seeks an Analyst, Risk Reporting within the GRC organization to support the establishment of the second line of defense governance structure and risk reporting for the UK.

The role involves designing, implementing, overseeing and updating the risk governance structure, risk framework and policy library for UK businesses, ensuring alignment with regulatory expectations and internal risk frameworks.

Qualifications

• Experience interacting with regulators and familiarity with UK regulatory landscape and requirements.
• Fluency in English (verbal and written).
• Degree in business, economics, engineering, or a related field; professional certifications are valued.

Responsibilities

• Oversee risk assessment activities, ensuring outputs are accurate, timely, and aligned with regulatory expectations.
• Identify and monitor areas of elevated risk through data analysis and KRIs; provide insights to management.
• Embed effective risk management practices into day-to-day activities and decision-making.
• Prepare and present risk reporting for senior management and governance committees.

Skills

Risk analysis

Regulatory knowledge

UK regulatory landscape

Data analysis

Stakeholder communication

Education

Degree in business/economics/engineering

Tools

Policy administration tools

Job description

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.

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 UK 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 Reporting, within the GRC organization, is responsible for supporting the establishment of the second line of defense governance structure and risk reporting for the UK. We are seeking an experienced risk professional to be a part of this exciting journey. The incumbent will design, implement, oversee and keep updated the risk governance structure, risk framework and risk policy library for our UK businesses.

Responsibilities

Key Responsibilities

• Oversee and report on risk assessment activities ensuring outputs are accurate, timely, and aligned with regulatory expectations and internal risk frameworks.
• Identify and monitor areas of elevated risk through data analysis, risk indicators, quality assurance reviews, providing timely risk insights to management and governance forums.
• Proactively helps identify areas of high-risk for intervention, including conducting independent quality assurance.
• Embed effective risk management practices, ensuring they are integrated into day-to-day activities and decision-making.
• Review risk dashboards and key risk indicators (KRIs) to identify emerging trends and potential risk exposures, enabling timely escalation and appropriate management action.
• Facilitate the sharing of insights, best practices, and emerging themes across the enterprise to promote knowledge sharing and organizational learning.
• Prepare and present risk reporting for senior management and governance committees, highlighting key risk themes, control effectiveness, emerging issues and recommended management actions.
• 3-5 years of experience in risk management, compliance, treasury, controllership, 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;
• Strong understanding of UK market regulatory requirements and the payments industry;

Qualifications

Minimum Qualifications

• Experience in interacting with regulators and familiarity with UK’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 are valued;
• Attention to detail and written communication skills
• Experience on administering/supporting ownership of policies is desired

Leadership / 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 the UK is required as the company will not pursue visa sponsorship for these positions.

About Us

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.

About The Team

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.