Network & ATM Settlement Operations Team within GMNS product, is primarily responsible for enabling funds between American Express (AXP) and GNS Partners or ATM Service Providers, managing the related contractual fees, and resolving ATM billing discrepancies or Disputes.

The role is responsible for supporting the effective and controlled execution of end-to-end ATM and Single Message settlement processes, ensuring timely and accurate financial processing, reconciliation and exception management. The role will drive operational excellence and process improvements while maintaining a strong risk and control environment, including PCI DSS, SOX, RCSA, audit and BCP requirements. The individual will collaborate with key stakeholders to enhance service quality, improve TAT, strengthen controls and identify automation opportunities across the settlement lifecycle..
Required to collaborate with the ATM Settlement Operations team based in UK to ensure a seamless One Team – Two location strategy.

Responsibilities
• In-depth knowledge of ATM and Single Message settlement processes,



including billing errors, disputes, adjustments, accounting entries, reconciliations and exception handling, with a focus on process improvement, service quality and TAT
• Demonstrate strong decision-making, communication and stakeholder-management skills, with the ability to collaborate effectively across diverse teams, work under pressure, meet deadlines and adapt to changing business requirements
• Support PCI DSS compliance initiatives through process reviews, risk assessments, control validation, SOP updates, partner engagement, testing/UAT coordination, and implementation of data protection requirements to safeguard cardholder information across operational workflows
• Experience with ACE automation or similar automation tools used to drive process efficiencies would be an added advantage
• Maintain a robust control and compliance workplace for ATM Settlements, ensuring adherence to applic

📌 Lead Analyst (Gurugram)
🏢 American Express
📍 Gurugram