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 environment for ATM Settlements, ensuring adherence to applicable policies and control requirements
- Support SOX and RCSA testing, along with internal and external audits including IAG, RBI, PwC, SOC1, SOC2 and market-specific/ad-hoc reviews
- Support BCP planning,



testing and exercises in accordance with the GMNS product critical BCP plan

Qualifications

- Full time B. Com / Or Specialization in Commerce stream
- Advanced analytical skills, well organized, able to understand and communicate complex requirements and develop control recommendations.
- Working knowledge of ATM products, Operations, Services, and platform like Sales Force, MicroStrategy, NDM, GDM would be an added advantage.
- Get up to speed quickly and gain a good understanding of NAS Business and broad knowledge of ATM Operations.
- Strong analytical skill with the ability to identify the root cause of problems and have ability to exercise sounds judgment in support of team responsibilities.
- Proficient communicator with constructive written and verbal communication with a high level of customer focus.
- Good Teamwork ethic and Drive Results though Collaboration
- Accuracy levels at a high standard
- Computer literate (MS Word, Excel)
- Ability to recognize opportunities for process improvements and proactively drive change forward.
- Adaptable and engaging team member with the ability to adapt to a constantly changing environment.

Academic Background Graduates with 2-4 years of relevant work experience in Accounting, Operations Management, Risk and Compliance domain are welcome to apply for the role.

Functional Skills/Capabilities

- Finance

- Operations

- Accounting

- Analytics

- Communication

- Problem Solving

Knowledge of Platforms
- Salesforce

- GDM/NDM

- Power BI/Power Query

- Share point

- LUMI

Behavioral Skills/Capabilities

Enterprise Leadership Behaviors

- Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective
- Bring Others With You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential
- Do It The Right Way: Communicate Frequently,



Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage

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.

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
- Support for financial-well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
- Flexible 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 in office 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

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

📌 Lead Analyst (Gurugram)
🏢 American Express
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