Analyst - Risk Management

Role Overview American Express is looking for a sharp and detail-oriented Risk Management Analyst to join its Financial Crime Centre of Excellence team in Gurugram. This team drives enterprise-wide Anti-Money Laundering transaction monitoring programs across all products and services in both US and international markets. As part of this role, you will collaborate closely with cross-functional compliance and risk teams to design, implement, and optimise automated transaction monitoring systems that protect the organisation and meet regulatory standards. Key Responsibilities - Partner with GFCC, FCSU, and GRC Capabilities teams to design and implement automated transaction monitoring scenarios that support compliance stakeholders - Define, document, and manage business requirements in coordination with relevant stakeholders across technical and non-technical functions - Provide conceptual and analytical support for the design of transaction monitoring scenarios related to credit and charge card products - Perform in-depth data analysis using Excel pivot tables, intermediate SQL or HQL queries, and statistical techniques including Exploratory Data Analysis with Python - Analyse the effectiveness of existing transaction monitoring rules and recommend optimisations to improve accuracy and efficiency - Ensure all processes and actions are properly logged to support regulatory reporting, and prepare qualitative documentation for stakeholders - Review monitoring outputs to verify conformity and accuracy with their intended design objectives Required Qualifications - Bachelor's or Master's degree from a Tier-1 institute - Minimum of 1 year of relevant work experience in a similar analytical or compliance-related role - Hands-on experience with Excel, SQL or HQL, and statistical programming using Python - Strong verbal and written communication skills with the ability to bridge technical and non-technical audiences - Excellent analytical thinking, attention to detail, and critical problem-solving abilities - Strong organisational skills with the ability to manage interdependencies and deliver under tight timelines - Knowledge of AML investigations and the payments industry is a plus; working knowledge of Credit and Fraud Risk is highly preferred - Proactive learning mindset with the ability to quickly grasp new concepts with minimal supervision Why Join Us At American Express, you will be part of a 175-year legacy of innovation and trust, backed by a culture that values your growth, well-being, and contributions. This is your opportunity to make a meaningful impact in financial crime prevention while building a long-term career with one of the world's most respected financial services brands.

- Bachelor's or Master's degree from a Tier-1 institute - Minimum 1 year of relevant work experience - Proficiency in Excel, SQL or HQL, and Python for data analysis - Strong analytical and critical thinking skills - Excellent written and verbal communication skills - Knowledge of AML investigations or payments industry preferred - Working knowledge of Credit and Fraud Risk - Ability to manage multiple priorities under stringent deadlines

- Competitive base salary - Performance-based bonus incentives - Comprehensive medical, dental, vision, life insurance, and disability coverage - Support for financial well-being and retirement planning - Hybrid working model with flexible arrangements - Generous paid parental leave - Free access to on-site wellness centres with medical staff - Free and confidential counselling through the Healthy Minds programme - Career development and training opportunities