American Express India | Lead Analyst

Key responsibilities

• The team partners across the business to deliver trusted and frictionless merchant experiences through resilient, compliant and efficient operational processes that safeguard the network, reduce operational and financial crime risk, and support sustainable growth.
• The role involves reviewing case documentation, recording evidence-based findings, maintaining accurate review records and supporting the timely identification and escalation of quality issues.
• This is an individual contributor position focused on delivering accurate and consistent reviews.
• Perform assigned QA reviews across KYC, Customer Due Diligence (CDD), ADD, pre-EDD and related Financial Crime processes, following approved sampling plans, checklists and review procedures.
• Review merchant onboarding, refresh and ongoing due diligence cases to assess whether documentation, assessments and decisions meet applicable policy and procedural requirements.
• Identify errors, missing information and procedural deviations, and classify findings in accordance with established guidance.
• Communicate findings to relevant stakeholders through established channels and review additional evidence or clarifications received.
• Maintain accurate records of findings, responses and remediation progress, and perform assigned rechecks in accordance with approved procedures.
• Identify recurring errors and share observations to support root cause analysis, targeted feedback and process improvement.
• Participate in calibration sessions and apply agreed guidance to maintain consistency across reviews.
• Document review outcomes clearly and accurately, maintaining supporting evidence and rationale in designated tools and trackers.
• Escalate questions, ambiguous cases and potentially significant findings.
• Compile and validate review data to support routine QA reporting, including review volumes, findings and completion status.

Requirements

• Relevant experience in KYC operations, due diligence, Financial Crime operations, Quality Assurance or Quality Control within financial services.
• Working knowledge of AML and KYC principles, including customer identification, verification, beneficial ownership and due diligence requirements.
• Ability to assess case documentation against defined requirements and record clear, evidence-based conclusions.
• Strong attention to detail and analytical skills, with the ability to identify inconsistencies and follow issues through to resolution.
• Clear written and verbal communication skills, including the ability to explain findings professionally and seek clarification when required.
• Ability to organise daily work, meet agreed timelines and balance productivity with review accuracy.
• Working proficiency in Microsoft Excel and familiarity with case management systems or operational trackers.
• Ability to follow established procedures, apply feedback and recognise when an issue requires escalation.
• Experience reviewing merchant onboarding, KYC refresh or ongoing due diligence cases within a payments or merchant acquiring environment.
• Exposure to QA or QC reviews, defect documentation, calibration exercises or remediation rechecks.
• Familiarity with UK and international Financial Crime requirements relevant to KYC operations.

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