Lead Analyst

American Express; Gurugram District; Hybrid; INR 700,000 - 1,200,000; Full time

Benefits offered by this job

Hybrid work model

Healthcare benefits

Career development

Job summary

American Express is seeking an Analyst for Global KYC Testing within the RBST program. You will perform end-to-end RBST across global markets, review merchant onboarding data for AML/KYC compliance, and document findings with evidence-based conclusions. Collaboration across business units and geographies is essential, with a focus on accuracy, timeliness, and standardization of testing procedures. Hybrid work model offered.

Experience in SQL/Excel and risk/compliance testing is preferred.

Qualifications

• Bachelor's degree in Finance, Business, Risk Mgmt., or related field.
• Experience in AML/KYC or regulatory testing is advantageous.
• Strong analytical and documentation skills.

Responsibilities

• Perform end-to-end RBST across global markets ensuring accuracy and timeliness.
• Test merchant onboarding for AML/KYC compliance and document results.
• Collaborate with RBST colleagues to interpret testing requirements and priorities.
• Review merchant records and evidence; draw evidence-based conclusions.

Skills

AML/KYC testing

Regulatory testing

SQL

Excel

Data analytics

Testing docs

Education

Bachelor's degree in Finance/Business/Risk Mgmt.

Tools

Genesis

SMAC

Cadence

Job description

Global Merchant & Network Services (GMNS) brings together American Express' merchant-and network related businesses to enable a sharp focus on using the power of our network to provide unique value to all our mutual customers. The organization manages the relationships with the millions of merchants around the world that accepts American Express and runs the company’s payment network and manages bank partnerships globally.

The objective of the Regulatory Business Self Testing (RBST) team under Financial Crime COE within Global Governance, Risk, Remediation, and Operations (GRRO) is to identify, assess, measure and monitor as well as report and escalation compliance risk within GMS onboarding processes to ensure adherence to regulatory standards, Amex policy and enhance the BU's resilience through managing a clear methodology of inherent and residual risk.

RBST team is looking for an Analyst focused on global KYC testing for evolving KYC refresh and partner-related testing activities and analytical capability within the team. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.

Responsibilities

The Analyst, GMS Global KYC Testing will:

• Perform end-to-end Regulatory Business Self-Testing (RBST) across global markets, ensuring testing is executed accurately, consistently and within established timelines.
• Test acquisition and onboarding of merchants for adherence to applicable AML/KYC regulations, Amex policies and market-specific requirements, and document testing results and exceptions.
• Collaborate with other RBST colleagues to understand and consistently interpret regulatory testing requirements, testing methodology and testing priorities.
• Review merchant records, supporting documentation, system information and other relevant evidence; apply sound judgment to determine testing outcomes and develop clear, evidence-based conclusions.
• Identify, document and escalation testing exceptions, potential gaps, recurring issues and systemic themes, and support analysis of root causes and remedial actions.
• Use Excel and other analytical tools, where required, to extract, query, reconcile and analyze data for testing, sample validation and investigation of potential exceptions.
• Maintain high standards of accuracy and productivity, support communication with regional testing and business teams, and participate in standardization and continuous improvement of RBST testing procedures.

Preferred Qualifications

Bachelor’s degree in Finance, Business, Risk Mgmt., or related field; relevant experience or certifications in risk, compliance, AML/KYC or testing are advantageous.

Experience In At Least One Of The Following

• Regulatory testing involving areas such as AML/KYC, merchant/customer acquisition or onboarding, data protection, regulatory compliance or other financial-services regulations.
• Executing end-to-end testing, including evidence review, exception identification, documentation, analysis and reporting across multiple markets or geographies.
• Using SQL, Excel and data analytics to support testing, identify populations, select or validate samples, reconcile data, and identify trends or anomalies.
• Supporting risk assessment, quality assurance, testing standardization, continuous improvement or thematic analysis of testing results.
• Knowledge of American Express businesses and systems such as Genesis, SMAC and Cadence, and/or knowledge of a foreign language (e.g., Spanish, Italian or French), would be an advantage.

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

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.

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