Senior Auditor

• Participate as a key team member on model specific audits and independently review models, non-models, Gen AI tools, develop analytics, owning audit tasks such as developing workpapers, and executing audit tests in accordance with internal policies and procedures  
• Assist Senior Managers / Managers in the execution of assigned audit tasks in line with American Express' Internal Audit procedures, internal policies and standards, and regulatory expectations throughout the audit lifecycle with guidance; maintain audit proficiency through ongoing professional development, including data analytics literacy skills, technology, and banking best practices 
• Review prior audit results and relevant business monitoring materials to support Audit Planning activities; executes and actively participates in walkthroughs by asking thoughtful questions, leveraging effective challenge and critical thinking
• Execute audit tests (e.g., process, governance, oversight testing) and clearly document test results in accordance with internal policies and procedures to evaluate the control design and effectiveness; draft work papers, demonstrating the ability to use automated work papers and other department and company tools
• Identify and escalate issues as appropriate throughout testing and audit execution; draft audit issue documentation
• Develop an understanding of American Express' business model, products, services, and organizational units
• Document and evaluate audit observations and findings; support routine client status meetings, audit request, and other administrative tasks
• Understand how corrective actions / Management Action Plans (MAPs) are impactful and sustainable; execute validation of MAPs
• Communicate task status, roadblocks, challenges, and potential solutions to Senior Managers/Managers and leadership as appropriate
• Demonstrate ability to work proactively and take initiative on next steps 
• Provide guidance to staff auditors and review and provide feedback on work as appropriate 
• Understand how to draft test steps, audit findings, and the audit report and drafts as needed with guidance 

• Bachelors in statistics, mathematics, economics, finance, accounting, computer science, data science, engineering, or another analytical field.
• 3+ years of relevant experience, including internships in internal audit, model risk, risk management, compliance, data analytics, quantitative analysis, or financial services. 
• Basic understanding of: 
  • Model lifecycle: development, implementation, validation, use, monitoring, and retirement 
  • Internal controls, risk assessments, control testing, and audit evidence 
  • Fundamental statistical modelling such as regression, sampling, hypothesis testing, performance metrics, and data quality
  • AI/ML techniques, data analytics 
• Working ability in Excel and at least one analytical tool—preferably SQL or Python. 
• Strong written communication: able to document testing, explain an issue clearly, and distinguish evidence from opinion. 
• Demonstrated critical thinking, professional skepticism, attention to detail, and willingness to challenge appropriately.

Preferred Qualifications

• Audit experience or model development / validation, experience
• Prior experience working at a Big Four / G-SIB
• CIA, FRM, CPA, CISA, or similar certification progress
• Understanding of model and AI risk management framework, governance, controls, validation, monitoring, and related regulatory guidance, such as SR 26-2, OCC guidance, or comparable standards.
• Exposure to credit risk, market risk, pricing, valuation, operational risk, stress testing, CECL, or other enterprise risk models.
• Experience with data analytic tools, data visualization, key risk indicators (KRIs), key performance indicators (KPIs), information systems / technology, and scorecards / dashboards, etc.
• Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization

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

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.

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.