American Express India | Lead Analyst

Responsibilities

• 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.
• Perform end-to-end Regulatory Business Self-Testing (RBST) across global markets, ensuring testing is executed accurately, consistently and within established timelines.
• 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 escalate testing exceptions, potential gaps, recurring issues and systemic themes, and support analysis of root causes and remedial actions.
• 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.
• 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.
• Use Excel and other analytical tools, where required, to extract, query, reconcile and analyze data for testing, sample validation and investigation of potential exceptions.
• Executing end-to-end testing, including evidence review, exception identification, documentation, analysis and reporting across multiple markets or geographies.
• Supporting risk assessment, quality assurance, testing standardization, continuous improvement or thematic analysis of testing results.

Requirements

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

American Express

American Express is a global payments company known for its card products, merchant network and travel services. It was founded in New York in 1850.

Its Indian teams work on finance, risk, analytics, operations and technology for markets around the world. Chartered accountants typically join financial analysis, controllership and reporting teams.

• Industry: Payments and financial services
• Headquarters: New York, USA
• In India: Large teams in Gurugram and Bengaluru