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.

How will you make an impact in this role?

The Senior Manager, Bureau Reporting Governance is a key leadership role within the Risk Products and Data Strategy team in Credit and Fraud Risk (CFR). This position provides enterprise-level ownership of consumer, commercial, and debit bureau reporting governance, ensuring data quality, regulatory compliance, and operational excellence across outbound reporting processes. The role partners extensively with Compliance, Global Servicing Group, and second- and third-line stakeholders, and plays a critical role in maintaining strong regulatory standing while enabling business growth and customer trust.

This is a highly visible role requiring strategic leadership, strong regulatory acumen, and the ability to influence outcomes across a complex, matrixed organization.

Key Responsibilities:

Provide strategic leadership and end-to-end ownership of consumer, commercial and debit bureau reporting governance, including design, implementation, monitoring, and ongoing enhancement of reporting strategies

Serve as a primary point of contact for U.S. bureau reporting matters with second and third lines of defense, including regulatory exams, audits, and ongoing oversight activities

Identify process gaps and partner with product teams on initiatives to improve reporting accuracy, timeliness, efficiency, and customer outcomes

Assess and provide governance oversight for new product launches and significant product changes, ensuring bureau reporting impacts are identified, documented, and appropriately managed

Influence senior leaders and cross-functional partners by clearly articulating risks, trade-offs, and recommendations grounded in data and regulatory expectations

Build and maintain strong partnerships with internal and external stakeholders to align bureau reporting practices with enterprise risk management objectives

Act as a thought leader on bureau reporting governance, proactively identifying emerging risks, regulatory trends, and opportunities for continuous improvement

Minimum Qualifications:

Bachelor’s degree in a quantitative, analytical, or business-related field (e.g., Business Analytics, MIS, Statistics, or similar); Master’s degree preferred

8+ years of experience in financial services, with deep experience in consumer data, risk management, governance, or regulatory-facing roles

Demonstrated success leading complex, cross-functional initiatives with significant regulatory and operational impact

Proven ability to influence and advise senior leaders, including the ability to communicate complex topics clearly and persuasively

Excellent judgment and ability to operate effectively in environments with ambiguity, competing priorities, and evolving regulatory expectations

Preferred Qualifications:

Knowledge of the regulatory landscape impacting consumer bureau reporting, including FCRA, CFPB, and related regulatory bodies

Familiarity with consumer credit bureau reporting standards, industry practices, and dispute resolution requirements

Prior experience engaging with auditors or compliance oversight team

Salary Range: $103,750.00 to $174,750.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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 6% Company Match on retirement savings plan Free financial coaching and financial well-being support Comprehensive medical, dental, vision, life insurance, and disability benefits Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “Know Your Rights” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

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