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 Fraud New Product Development and Policy Authorization team is a group of highly experienced risk officers responsible for managing business and product feature rules at the Point of Sale (POS) and integrating new digital payment solutions into the broader risk framework. We serve as a key bridge between innovation and protection, ensuring the secure onboarding of emerging payment products while aligning with our enterprise risk appetite and regulatory standards.

We are seeking a detail-oriented and analytical Manager who can

• support the development and optimization of policy strategies across key business functions

• manage and enhance policy and authentication options for new products through operational and performance data, delivering insights that inform and refine policy for new product.

The ideal candidate will have strong analytical skills, a process-oriented mindset, and a passion for leveraging data to drive business outcomes while ensuring compliance and operational integrity.

Key Responsibilities

• Track performance of policy rules against the risk appetite framework to optimize risk decision

• Execute tasks related to aligned risk frameworks

• Conduct risk assessments for Account Takeover and conduct controls testing in accordance with Internal Controls Policy

• Perform regular evaluations of RCSA effectiveness, identifying improvement opportunities and overseeing the implementation of enhancements

• Stay abreast of regulatory changes and industry best practices and provide oversight of processes to monitor, evaluate and integrate regulatory changes into RCSA framework & trainings

• Work closely with other control functions (i.e., Compliance, Legal, and Internal Audit) to ensure an integrated and comprehensive approach to risk governance

• Provide metrics of new emerging payment products

• Analyze the behavior of digital payments with respect to fraud metrics and provide recommendations

Required Qualifications

• Minimum four years of experience in risk management within the banking/financial services industry including policy development, risk appetite and risk control self-assessment and testing.

• Proficient analytical and problem-solving skills, with an ability to analyze data, identify trends with high attention to detail and accuracy

• Working knowledge of data mining tools/technologies (ie. SQL, Python, Microsoft Excel: Pivot Tables)

• Proven ability to identify risks, analyze issues and derive meaningful insights about risk trends by analyzing large volumes of data.

• Displays a mindset of questioning assumptions, critically assessing information and seeking evidence to validate conclusions, so decisions are unbiased and well-founded. 

• Strong verbal and written communication skills

• Ability to work in a highly collaborative environment, excellent relationship building skills and ability to influence partners based on data

• High degree of organization, individual initiative and personal accountability

• Positive “roll-up your sleeves” attitude and a proactive mentality

Guardian

Qualifications

Salary Range: $80,000.00 to $155,000.00 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.

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

Job: Risk

Primary Location: US-Arizona-Phoenix

Schedule Full-time

Req ID: 25014615