Analyst - Operational Risk Management

About the Role

The position is for an Analyst in Operational Risk Management at American Express, requiring 2-3 years of experience. The salary details are not disclosed.

What You Should Know

• •The three lines of defense model - business, risk/compliance, and internal audit
• •Basel norms basics - capital adequacy (CRAR) and risk-weighted assets
• •AML red flags - structuring, layering, unusual transaction patterns
• •KYC risk categorization (low/medium/high risk customers) and periodic review cycles
• •RBI's Master Directions and circulars as the primary regulatory reference point

Interview Questions

1. 1.What are the three lines of defense, and where does your role sit in that model?
2. 2.Walk me through red flags you'd look for in a suspicious transaction report (STR).
3. 3.What's the difference between CRAR and the NPA ratio, and why do both matter to a bank's health?
4. 4.How would you design a KYC risk-categorization process for a new-to-bank customer segment?
5. 5.How do you stay current with RBI circulars, and how would you operationalize a new one?

Scenario-Based Questions

1. 1.You spot a transaction pattern that looks like structuring (multiple sub-threshold deposits). Walk through your escalation.
2. 2.A business unit wants an exception to a KYC policy for a large corporate client. How do you evaluate the request?
3. 3.An internal audit flags a control gap in your process. How do you respond and remediate?

Interview Tips

• •This function rewards precision - use exact terms (STR, CTR, SMA, CRAR) correctly; imprecision reads as inexperience.
• •Have a recent RBI circular or enforcement action you can discuss - it shows you follow the regulatory landscape actively.
• •Be ready to demonstrate you can say "no" to the business persuasively - these interviews probe backbone, not just knowledge.