Senior Manager, Spain Chief Risk Officer - Financial Risk Management Madrid, Spain (Hybrid)

Job Description The Global Risk & Compliance (GRC) organization serves as American Express' independent risk management function. GRC maintains the enterprise risk framework, provides oversight and challenge, and monitors key risks. By embedding risk discipline into strategy and operations, GRC enables responsible growth, innovation, and long‑term value creation while protecting customers and shareholders.

The Spain CRO function is part of the Int'l CRO team, within Global Risk and Compliance (GRC). It is responsible for identifying and overseeing risk across all processes.

Key Responsibilities

Participate in Risk Appetite Framework (RAF) refresh process and seek to align International Legal Entities (ILE) Financial Risk metrics with Enterprise (as far as possible)

Provide Financial Risk credible challenge to Legal Entity (LE) projects, strategies and in the Change Advisory Forums.

Understand and speak to the Financial Risk profile of the LE based on aggregation of data and reporting

Act as main point of contact for Financial Risk for LE regulator, Audit and ILE Leadership, and requests for Financial Risk program/results requests

LE specific committee Financial Risk representative, and point of contact for Financial Risk at LE board meetings (as required)

Own ILE R Financial Risk policies and frameworks, where required

Influence Enterprise Financial Risk and Framework/Policies/Programs to ensure fit for purpose for ILE, and support ILE deployment of Enterprise Financial Risk programs

Advise business on applicability and effective execution of Financial Risk frameworks

Coordinate with enterprise Risk Lead on 2nd Line testing, and/or support ILE Financial Risk testing & provide output of ILE testing to Enterprise for awareness and risk aggregation





Ensure appropriate communication of risks between ILE and Enterprise

Support the ILE Chief Risk Officer (CRO) in their oversight duties aligned to the Risk Governance Framework and applicable polices

Reviewing Issues and findings related to risk type impacting ILE, and overseeing effective remediation

2nd Line of Defense ILE oversight lead for Regulatory Change Managements relating to Risk Type

Work with Enterprise team to develop LE metrics dashboard, including RAF metrics, aligned with applicable regs

Review, approve and challenge applicable models impacting the ILE

Lead a Financial Risk analyst

Minimum Qualifications

5+ years of leadership experience in risk management or a similar role;

Strong business acumen with a risk-reward control perspective;

Experience in interacting with regulators and familiarity with Spanish and Europe regulatory landscape and requirements;

Demonstrated ability to successfully manage multiple priorities under pressure;

Fluency in English (verbal and written);

Advanced degree in business, economics, engineering, or a related field is preferred.

Leadership Skills

Proven leader who can build, inspire, and coach a team with a passion for the business;

Excellent relationship and influence management skills with the ability to build productive relationships across teams and levels of seniority;

Self‑confident with a strong sense of integrity and the ability and willingness to challenge and be challenged;

Proactive in identifying issues, delivering and escalating key findings,



and advising on recommended solutions to correct issues or mitigate risks;

Ability to communicate oversight findings to colleagues, business partners, and senior leaders;

Strong verbal and written communication skills.

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

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.

Benefits

Competitive base salaries

Bonus incentives

Support for financial‑well‑being and retirement

Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)

Adaptable working model with hybrid, onsite or virtual arrangements depending on role and business need

Generous paid parental leave policies (depending on your location)

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

Job Title Senior Manager, Spain Chief Risk Officer – Financial Risk Management

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