Senior Lead Analyst

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With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

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Function Description:

Bank Services CoE is part of Global Treasury Operations and is responsible for end-to-end bank service lifecycle across the globe. The bank service lifecycle includes managing the process to open, close and maintain bank accounts, administering access to online bank portals and analyzing bank fees to ensure adherence to bank service agreements. The Bank Services CoE collaborates with bank account owners to rationalize or procure bank services.

Purpose of the Role:

• To effectively manage bank account infrastructure for one of the regions
• Collate and consolidate the bank fee in accordance of the bank service agreements and find opportunities to save at blue box level
• Own the entire end -to -end bank Portal Administration including monthly Certification file preparation and Quarterly PRSA /Audit support
• Provide feedback to customer/Business Units on incomplete or inappropriate segregation of requests working within the IIQ/IAM guidelines for provisioning & Access Management
• Have a solution-centric mindset to advise internal teams on Transaction Banking capabilities.

This position will be responsible primarily for:

• Execute bank account administration including opening, closing, and adding required services to accounts.
• Execute bank system administration user access requests.
• Maintain Global bank account database ensuring timely bank account updates are being performed in the region.
• Maintain global static data in Treasury Management System - Maintain entity corporate banking documentation and partner with banking institutions to ensure AXP authorized signers up to date.
• Bank fee collation and analysis.
• Assist AXP business units with bank account related questions.
• Managing key stakeholders like GTO, Business Units and Controllership.
• Maintaining healthy working relationships with various banks
• Identifying continuous improvement opportunities and implementing the best solution to reduce bank fees and towards process improvements.
• Managing Audit, SOX, PRSA and perform the role of Spoc for the entire treasury Unit.
• Manage Basel static cash submission including research of bank account and CCID inconsistencies.
• Oversight and backup of other regions.
• Managing Global projects related to bank services and Treasury.
• The shift timing for the role is 8:30 am to 5:00 pm with need for flexibility of (+/-) 2 hours in shift timings, depending on the business requirements.

Business Outcomes:

• Deliver key treasury operations goals such as rationalization of architecture, ensuring optimal pricing for banking infrastructure, drive compliant processes across Bank services COE.
• Streamline processes and drive operational efficiencies.
• Understand & leverage intelligent automation technologies to generate use cases within the team & create opportunities to support the automation team to get that implemented.

Leadership Outcomes:

• Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
• Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings.
• Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
• Lead with a digital mindset and deliver the world’s best customer experiences every day.

Minimum Qualification:

         2 years of past experience with:

• Treasury experience across banks, corporates, or similar financial operations

Academic Background:

•  MBA (Finance)/ CA / CPA /PG in Finance/Economics with 2+ years of experience

Functional Skills/Capabilities:

• Understanding of Basel capital adequacy & ALM
• Understanding of operational, SOX & other related control framework compliance
• Transaction banking relationship management
• Banking infrastructure management
• Bank access administration and bank's compensation (analysis, reporting and negotiation)
• Banking products subject matter expertise for setting up compliant, simple yet efficient collections and payments solutions across the globe for AXP customers
• Understanding of financial domain

Technical Skills/Capabilities:

•  Bank Account management KYC documentation
•   Analytical skills with the ability to undertake cause effect analysis
•   Basic understanding of automation capabilities
•   Understanding of business products

Platforms

•   Treasury Management System (TMS) such as FIS Quantum, FX Trading terminals (Bloomberg, 360T, Reuters, etc), Bank Account Management (BAM),
•    Advanced MS office suits such as Excel, Word, Powerpoint

Payment Systems:

•   SWIFT Messaging MT101/103/940/942/202, Electronic Fund Transfer Modes (RTGS/WIRES/CHIPS/ACH/CHAPS/GIRO/BACS/SEPA/FAST)

Preferred Qualification:

• Preferred: Exposure to banking operations, Knowledge of card business model & economics
• Knowledge of financial systems Preferred