You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior. At the manager level, the employee does not have a people leadership role but is often viewed as an emerging expert in the field. Focuses on resolution of complex problems. Conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization.

How will you make an impact in this role?

The Account Takeover and Authentication Team - within the Global Fraud Risk Management Organization – is responsible for balancing Account Take Over (ATO) losses with customer experience at each touchpoint across the customer lifecycle for our global Card customers. These customer touch points include account activities like Profile Maintenance, Card Replacement and Spend, Membership Reward redemption, and other non-card product activities across all channels (Online, Mobile App, and Phone Servicing).

The successful candidate will be part of a team of highly skilled professionals who design fraud risk strategy, build global capabilities and processes, define servicing policy and procedures, develop tracking and MIS, and ultimately be accountable for account takeover losses. To achieve this, it will be required to work closely with a range of business partners across Enterprise Digital, Product, Technology, Compliance as well as other Fraud Risk Management teams.

Job Responsibilities:

Develop and support the implementation of fraud risk management strategies including the design of customer authentication and POS controls Lead the design and execution of the risk capabilities required to support new process enhancements Regularly review portfolio MIS and conduct regular case reviews to identify opportunities and drive effective risk strategies Partner with Decision Science, Fraud Servicing and Operations, Risk Capabilities, and other Risk strategy teams to build effective fraud controls to mitigate losses

Minimum Qualifications

Successful candidate should possess minimum of 2 years of experience in Risk Management in the card industry or an educational degree in Business Analytics

Preferred Qualifications

Ability to leverage data and analytical insights to mitigate losses while balancing customer experience Ability to design and develop fraud solutions using SAS, SQL, R, Python or other programming language - Strong thought leadership Strong ability to drive results; self starter Strong interpersonal, written, and verbal communication skills Degree in Engineering, Mathematics, Statistics, Economics, Business Analytics or related fields is strongly desired

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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

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.

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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