Job Details

Description

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. As part of Team Amex, you'll experience this 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.

How will you make an impact in this role?

The Banking Credit & Fraud Risk team leads the 1st line of defense business for credit & fraud risk across all products and channels. As part of the Electronic Payments Risk team specifically, this role will focus on six key areas:

• Working with Product and Technology partners to optimize capabilities through continuous transformation

• Develop strong relationships with stakeholders across Product, Technology, and Servicing amongst others to turn insights into actions

• Develop and manage analytics to identify new trends and insights

• Design and implement rules and strategies in risk platforms

• Work with second line risk teams to ensure models, rulesets, and strategies are effective

• Share best practices across American Express

This role will be responsible specifically for:

• End-to-end risk strategy for deposit product payment transactions including balancing effective fraud detection and customer experience by driving risk business requirements

• Managing cross-functional relationships to ensure that key partners are aware of all credit and fraud risks

• Collaborate effectively with colleagues across the firm including product, technology, compliance, legal, and audit to drive engagement with the risk prevention program of work

• Act as a banking subject matter expert and share best practices across the enterprise

Minimum Qualifications

• Bachelor's or Master's degree, preferably in engineering or math/stats, or equivalent work experience in risk management

• 2 years of banking and/or lending experience, preferably across the risk lifecycle within a regulated banking institution

• Exceptional problem solving and analytical skills. Solid critical thinking and analysis in technical scenarios, attention to detail, and able to synthesize large amounts of data to formulate creative and innovative solutions to complex problems

• Excellent written and verbal communication skills with an ability to influence business leaders in a meaningful and actionable manner.

Able to work autonomously to affect change - flexible and adaptable to shifting priorities, managing competing priorities to achieve the most effective result and able to work in a fast-paced, results-driven environment

Preferred Qualifications

• Deep domain experience in banking deposit products and/or financial services payments

• Proven track record of developing robust and insightful communications suitable for multiple stakeholders including senior management, regulators, and the Board

• Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results

• Experience in a first or second-line risk role with focus on risk policy, strategy, or operations

• Experience in management / optimization of fraud prevention tools and strategies

Qualifications

Salary Range: $103,750.00 to $174,750.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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

• 6% Company Match on retirement savings plan

• Free financial coaching and financial well-being support

• Comprehensive medical, dental, vision, life insurance, and disability benefits

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

• 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

• Free access to global on-site 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

Job: Risk

Primary Location: US-Arizona-Phoenix

Other Locations: US-Utah-Salt Lake City, United States, US-New York-New York

Schedule Full-time

Req ID: 25021836