It is well established that emotional events are ingrained stronger into memory relative to neutral events. Facilitated emotional memory is highly variable between individuals within the normal population and is particularly exacerbated in those diagnosed with mood and anxiety disorders. In order to elucidate how variation of enhanced emotional memory within the normal population may manifest into psychopathological states, we explored the convergence between studies investigating the neural systems engaged in emotional memory facilitation and studies investigating how these systems differ from person to person. Converging evidence highlights the roles of three neural systems (1. Amygdala function and attention, 2. Neuroendocrine function, 3. Interactive effects with mood) that all govern emotional memory facilitation and are highly variable between individuals as a function of personality. We applied this neural system approach to models of vulnerability of three forms of psychopathology that are particularly characterized by atypical emotional memory function (depression, generalized anxiety disorder and post-traumatic stress disorder). This application suggests that the incorporation of known vulnerability markers across psychological, neuroimaging and neuroendocrinological domains is cardinal to how susceptibility is conceptualized and assessed in these disorders.